[Resolved]  Standard Chartered Bank — Home loan interest rate

We have home loan from standard charted, where interest rate is high all the time compare to other bank. inspite interest have reduced in all the banks, standard charted has increased the interest to 12.49% in dec 2008, requesting bank to show the proof on what basis they are increasing the rate. They have the standard answer, they feel constomer doesnt have any right to question, need to blindly pay what they are charging us. Is there any way we can inform the concern department so that they can take the necessary action.