[Resolved]  State Bank of India — Administrative crime in SBI Card

I am regular user of SBI card. I had done purchasing on SBI card and got statements in time and I paid all dues in time. Hence there was no interest and late fee on my transaction. Due to best status, the SBI card offered me a personal loan. I had accepted this personal loan with specific monthly EMI. I got statement of first EMI in time. I paid first EMI in time. Then never received statement of 2nd to 10th EMI in time just to more interest from me on loan in the form of late fee. . However the govt. tax on EMI is not fixed. So I cannot pay EMI without statements. Then, I had contacted customer services in time and paid my EMI 2 to 10 in time. But the customer care person told me less amount on phone call for 3 rd EMI. I paid the amount told by customer care person. However this amount was less by one rupee. Then SBI charged me Rs 350 as a late fee. This happened for all 10 EMIs. Then I paid 10 late fees. This is technique followed by SBI to recover more interest from the customer. After paying all 10 late fees, I had requested SBI to send me statement on email. I paid EMIs regularly. They could not recover additional money from me for few months.In JAN 2008, I paid EMI through cheque. But SBI could not banked this cheque due to reason " the amount in fig. and word differs". Then I issued new cheque of two EMIs with late fee. Then asked SBI to return my old cheque. However they had refused to return my old cheque. Then requested SBI to send me xerox copy of old cheque. I got xerox copy of old cheque. The cheque was perfect. Then I reported this thing to customer care. Then SBI credited additional EMI and late fee. But inn next statement the minimum amount due was grater than total amount. As per their norms I paid total amount due not minimum amount due. Then they charged me late fee on minimum amount due and interest on difference. Actually my additional amount is with SBI. because the minimum amount due is greater than total amount due. This was the case for all remaining EMIs
This is called administrative crime to recover more interest from the customer