HDFC Bank — Malpractice of hdfc bank

Address:

Rohtak, Haryana, 124001

I Baljit Singh Kaushik with my wife Renu Sharma from Rohtak (Haryana) got a personal loan from HDFC Bank in 2010 with A/C Number16068460 .Initially, we were told that we were getting the loan from HDFC [protected]@12.8%interest but were shocked to receive the letter from bank depicting it @16.5% interest after some months. We paid all the EMIs from March 2010 to January 2011 regularly and wanted to repay the loan completely as the rate of interest was too much. To our surprise, the bank refused to take full loan amount. I talked to the HDFC bank authorities and kept on paying the installments regularly .Finally, the full and final payment was done 0n 01/07/2013 as asked by bank and the bank issued a full and final settlement/Closure letter Ref: 16068460/156/S19629/010713/c/001.We just came to know that our name is in CIBIL defaulter list and we are unable to apply for a loan. It is highly shocking for us.
Sir/Madam, me and my wife are Associate Professors in Reputed colleges and well-paid off by the Government .We have sought a Home Loan LBROH[protected] in 2014 from ICICI Bank and are regularly paying the EMIs of Rs. 37360/-.We are cheated by employees of HDFC Bank. So we appeal to this forum to get this solved at earliest possible.
Please give suggestion for my problem and what is my next step.

Regards
BALJIT SINGH KAUSHIK & RENU SHARMA
Ph:[protected]
email id:[protected]@rediffmail.com