Kotak Mahindra Bank — issue in loan disbursement and emi withdrawal for the undisbursed loan

Address:	Chennai, Tamil Nadu
Website:	www.kotak.com

I have been facing a lot of issue with kotak since last 4 months. Every time they have been doing some issues to the loan process, approval, disbursal, unauthorised emi withdrawal for the un-disbursed loan. I would like to know how to sort out this matter. Still my money is pending. It affects my credit score and they didn't return the amount which was withdrawn from my bank account. The only response i receive is it will get credited today, but it never happens. Even after sending multiple emails, most of the time i have never received a proper response from their side. No proper team co-ordination in the loan division. No email/phone/sms intimation. They gave me so much of stress as i am unable to pay off my other monthly commitments. Kindly help.