State Bank of India — No action for the complaint of collection of higher interest and fine without any grounds by violating the agreement to the public

Address:

Madurai, Tamil Nadu

I got sanctioned a loan of Rs.120000/= during August 2005 under State bank of India Fixed interest teacher's plus housing loan scheme. The fixed interest rate was 8.75% and the floating interest rate was 7.5% at that time. I availed the loan for the higher (fixed ) interest rate since it would be constant and not be depending on SBAR change as per the SBI loan sanctioned letter and memorandum of term loan agreement for housing loan granted to public. Based on the fixed rate of interest, EMI of Rs.11990/= (Ac. No. [protected]) is being paid regularly from my salary.
The bank charged higher interest rate of 9.75% from September 2009 and also fine amount of about Rs.1800'= collected for past six months without any notice /information by violating the agreement to the public.
There is no response from Chief Manager and branch Manager of SBI, for my letters during the past ten months regarding this issue. There is no action from the Managers even Indian consumer forum reminded the bank regarding the issue of collecting more interest and fining without any grounds/reason. Kindly do the needful