ICICI Bank Home Loan — baseless delay payment charges & prepayment charges on homeloan prepayment

Address:

West Bengal

I have taken a home loan from ICICIBANK HOME FINANCE LTD in the year 2001 for a property situated in Asansol & when I was an employee of Durgapur Steel Plant under SAIL.
The loan detail is as follows
1.LOAN ACCOUNT NO-LHASL[protected]
2.PROPERTY SITUATED ON- RS PLOT NO-2012,KHAITAN NO-756, MOUZA SANTA AT VIDYASAGAR SARANI, ASANSOL
3.TOTAL LOAN DISBURSED-10,000,00.00 ( TEN LAKHS ONLY )
4.LOAN APPLICATION FORM NO-509149
5.INITIAL LOAN TENURE-121 MONTHS

Since I have already paid a considerable amount ( rs 3,26,000.00 outstanding as on January 17,2012 ) & since i have already retired & unable to continue the loan I wanted to foreclose the loan .In the fore closure statement they wanted a claim amount of 4,11,000.00 ( considering late payment fees, cheque bouncing charge & prepayment charge.

I am unable to pay any more amount other than the principle amount ( other charges they levied are baseless & therefore unaccepted by me ) outstanding considering my my financial stringency & huge interest pay out throughout the loan tenure.
I am ready to pay the principle outstanding immediately .
This is to be taken up with the bank authority & settle the case immediately. I have already taken up the matter with The bank & i am ready to pay Rs 3,54,234.00 as per their claim without late payment penalty & prepayment charge.