Postal Life Insurance — DEMAND OF EXCESS INTEREST ON CLOSURE OF LOAN

SIR,
I HAVE TAKEN LOAN ON 4 POLICIES ON 30.10.2008. AND IN THE LOAN PASS BOOKS, THE RUBBER STAMP IS AFFIXED , IN WHICH IT IS CLEARLY WRITTEN THAT HALF YEARLY INTEREST IS PAYABLE BY 21ST APRIL AND 21ST OCTOBER OF EACH YEAR. SIR, I HAVE SETTLED THE COMPLETE LOAN ON 3RD OCTOBER 2009 (I.E BEFORE 21ST OCTOBER) AS WELL AS INTEREST FOR COMPLETE YEAR(INT. IS PAID IN TWO HALF YEARLY INSTALMENTS BEFORE 21ST APRIL AND 21ST OCTOBER) AND WHEN I SENT APPLICATION FOR RELEASE OF MY ORIGINAL POLICY DOCUMENT, PLI CERCLE OFFICE CHANDIGARH HAS DEMANDED FULL INTEREST @10% FOR COMPLETE MONTH OF OCTOBER I.E UPTO 30 TH OCT.09. I WOULD LIKE TO KNOW WHEN THEY HAVE CLEARLY MENTIONED LAST DATE BEING 21ST OCTOBER, THEN WHY THEY ARE ASKING FOR INTEREST FOR OCTOBER.

SECONDLY, WHEN I PAID THE LOAN ON 3RD OCTOBER, THEN WHY SHOULD I PAY INTEREST FROM 4TH OCTOBER TO 30TH OCTOBER.

KINDLY TAKE UP THE MATTER WITH THE CONSERNED AUTHORITIES AS IT IS UNDUE TO CHARGE INTEREST FOR THE PERIOD AFTER SETTLEMENT OF LOAN.
policy no. are PB43170-CS,PB 43468CS, PB 46010CS,PB 43171CS,
THANKS
SANJEEV