IndiaBulls — I was sold plot loan will be converted to home loan immediately after completion of home construction

Address:

560097

Hi,
This is with regard to Plot loan and home taken India Bulls Bangalore.
Firstly In Jan2017 I have taken Plot loan from India bulls and immediately on 30th Jan 2017 i have taken construction loan to build a house on same plot and followed by interior loan in Apr 2017. This procedure was recommended by India bulls sales rep and also i was told that end of construction of house the plot loan will be converted to home loan with appropriate home loan interest rate.
Lately I have realized that they have not converted to home loan and still it was in Plot loan with higher interest rate [12.15% current ongoing]. When I enquired to India bulls team...they are saying I need to give written letter to them with in 3 months of completion of construction stating that my house is constructed on same plot and then they will convert to home loan and that to no change in the Interest rate for now [which is higher 12.15%].
However, providing letter confirmation was not told to me before ever and not even mentioned in the Loan sanction letters given to me.
My concern is they have disbursed above 3 loans to me for same plot, with same set of documents and progress of construction and interior proofs taken from their represent. Now how come they claim that i had to give letter to them after completion of construction which they never told me or not mentioned in loan sanction letters.
Could you advise how to proceed with this situation and possibilities to get the excess interest paid adjusted to my loan.
Regards,
Madhu
blv.[protected]@gmail.com