[Resolved]  Standard Charterd Bank Home Loans — Double collection of EMI by SCB and Intrest rate issues

I am an extremely unhappy customer of Standard Chartered Bank.
Following are my Issues
The Current Interest rate is at 13.4% in spite of there being at least 3 relief’s in the past 3 years from the government on home loan interests
In the year 2008 the total Interest deducted from my account was INR 109867.53 and the Principal amount deducted was only INR 3429.00 – Which is an atrocious ratio of deduction
Again in December 2007 I was approached by one of your agents stating that the EMI had increased and I have to give fresh EMI cheques, which I did. I was told that the old cheques would be returned to me directly from the office. However in the Month of February – the EMI was deducted twice from my bank account.
I had kept aside that extra 10, 000.00 INR for some other commitments which failed due to this gross issue from your end. This has led to terrible mental, financial and emotional turmoil for me and has affected me, not to mention that I have lost my complete face, respect and dignity in front of the other party.