IDBI Bank — unfair trade practice

Address:

Palakkad, Kerala, 679306

I am a savings account holder of idbi bank bearing account no. [protected] at pattambi branch, kerala. I had applied for a home loan in the bank. During the initial queries they never mentioned anything about any miscellaneous monetary charges. After i applied for the loan they initiated their formalities. But the thing is that they started from the reverse direction. They began with those procedures upon which they can demand charges.
The bank began their procedures from doing the technical evaluation of the property. Secondly they started their legal formalities. And lastly at the final stage, the bank decided to check my eligibility which they should have done in the beginning itself. And after that they told me that i am not eligible for the loan.
But for that the bank charged from me rs. 1770/- as technical evaluation charges and rs. 1200/- as legal charges. So the conclusion is that i paid rs. 3000/- just to check my eligibility for the loan.
Now another question arises. If the bank is charging me for legal opinion and technical evaluation charges and if i am paying for the same then it should be my legal right over the legal opinion report and the technical evaluation report.
So when i asked the bank for the same to be handed over to me, they refused flatly saying that it is against their policy. Again the conclusion derived is that the bank has the right to take which is rightfully of others but they cannot give what is theirs and they have the audacity to demand charges for the same.
And finally as the cherry on the cake moment is that the bank is also charging me rs. 100/- as charges for closing the account.