[Resolved]  Used car loan — pre closure charges

I had taken a used car loan on may 2009 for Rs.140000/. On that time the person approached from icici offered the following
1. Used car loan is eligible for rs.140000/- based on the salary.
2. 2% pre closure charges will be taken if the loan closed on or before 6 months, from the date of loan sanctioned. After 6 months no pre closure charges.
3. This is a special scheme to promote the car loans.
On the basis of the oral information from the icici bank people (here was in goodfaith in the words of persons representing the ICICI BANK and accepted the loan and signed the documents blankly wherever they showed me in the printed documents for the loan) This is my first experience with the ICICIBANK.

Now I got some money and wish to remit this amount in the car loan account. When I try to remit the amount towards loan account through your Ernakulam MG.Road Branch, the concerned person charges 5.5 % preclosure charges for the amount remitted to the account. I explained the details to the concerned and given the details of persons contacted me for the loan. But these persons are not in the ICICI bank and are not responding over phone and told me the inablity of avoiding preclosure charges.

Sir, I am not changing the loan to some other bank but remitting the amount from my own account. In the above circumstances, is it genuine to take preclosure charges? I Feel you are punishing a regular and genuine customer by taking preclosure charges of 5.5%for remitting our own money to earlier repayment of loan. Normally punishment is given to irregular or cheating customers. In my case it entirely different and what a unusual banking practice you are doing?

So far I have not remitted any amount and honouring your monthly payment as earlier months. Please infom me what i have to be done in this case. mt phone no [protected]..