[Resolved]  HSBC Bank — Loan On Phone EMI Conversion

This is regarding the problem which occurred recently in my credit card account ************5299. The problem is as follows.
1. I applied for a loan on phone (emi conversion) for a transaction of Rs.95000/- thru internet banking on HSBC website.
2. I called phone banking to confirm the same and during the same course of time I was told that I had to make a payment of Rs.22192 towards advance interest for 24 months to get the LOP processed. I didnt do it as I wasnt interested so I called to cancel my request as I did not want to make the adv payment but to my surprise the request got processed without my consent, and an amount of Rs.22192 has been added to my existing outstanding. I have the print out of the entire terms and conditions with me and its not mentioned anywhere that I had to make any advance payment towards the interest charges. So I was told that the LOP taken can be preclosed but preclosure charges would be applied for which I had agreed as I didn have any choice as I was crossing my credit limit and I will have to bear another charge called overlimit charges. Now the LOP has been preclosed and charges of 2850 plus service tax have been levied In addition to this I had also been charged 2 % processing charges 1900 plus service tax. Effectively I had to pay an amount of abt Rs.6000 without taking any services as this(Rs.95000/-) transaction fall in the latest months statement to be generated on 7th march and to be paid on 29th March.
This is pure cheating by HSBC as they are taking me for a ride and I had to pay Rs.6000/- just like that.