IDBI Bank Home Loan — No disbursement of Loan

Address:

Bangalore, Karnataka

I have applied for Composite loan(Land and Home Loan) from IDBI Bank Bangalore Mission Road in May 2010 for the amount 50 Lakhs.Out of which an amount of 17 lakhs was released at the begining as payment for the Land.When the loan amount was approved the Land was hassle free and all the paper work related was accurate and agreed by the Bank Advocate.

I was paying an EMI for 17 Lakhs for the 1st one after which the EMI amount increased for 50 Lakhs from July 2011 though 33 Lakhs is still with the bank.In June 2012 I started the construction of the house and requested for the release of the remaining 33 lakhs , now the bank officials have problems releasing the Funds saying that the Land has Khata problems.And for releasing funds I would have to give a bribe of 1 % of the remaining amount.This is really very disturbing and annoying , since I had no other option I accepted their terms, even after things dint go any further.
I had submitted the house paper work to bank in the month of July 2012 and have been running from pillar to post for the money.The construction of the house has stalled as my reserve has exhausted.
The staff is misbehaved , ignorant and not fit for any organisation
I want to ask if they had issues why did they release the Land Loan and why did they approve the loan.