ICICI Bank / Home Loan — Home Loan agreement Violation

Address:

Delhi

Hi

I am taking a Home loan from ICICI Bank(LBNOD[protected]) in May 2010, Under 2 Year smart fix plan, where ROI is 8.25% in 1st year and from 1st April 2011 to 31st March 2012 ROI is 9%, in agreement its clearly mention that 1st year my EMI is 26704, and 2nd Year my EMI becomes Rs, 27918, because of 9% ROI, but surprisingly when i see my status on internet on 30th Apr 2011, my EMI is remain constent and tenue is increased.
Its completely a Cheating case, since incresing tenue is not applicable in 2nd year, and afterthat also without information is not applicable and acceptable. so my question is
How can they change my tenure in 2nd Year of my loan. The scheme /agreement was to change my EMI not tenure.
So i my strong suggestion is necessary action should be taken against Bank, and the penalty should be as high as much so they can not repeat such incident for other consumer, if you ask me it should by 10000Cr and give to some gorverment charity fund.
Keshav
[protected]