Larsen & Toubro Infotech [L&t] — housing loan

Address:

560043

I am really frustrated with l&t housing finance (Loan a/c number blrhl[protected]

1. They have kept increasing my rate of interest for no specific reason. Especially when our government of india has drastically reduced the rate of interest. Currently they have increased it to 11.50%. I can get personal loan for a cheaper rate?

2. For the above loan account, i need to pay emi of rs. 551. I had signed their ecs form twice as there was some mistake from l&t it never got processed. The ecs form for rs. 25k is working without any issue but the ecs for rs. 551 has issues coz of l&t mistake & they blame me for the same? They came up with a solution of prepaid cheques.. Which i did issue & thereafter with neft transferring which i am currently doing it ontime. I'll take the latest example of insurance loan emi paid on 1st nov, 2019 through neft.. It should ideally take 24 hours for the amount to reflect in bank. But for lt& it takes 12 days & they are asking me to pay late fees for their mistake? I have informed l&t personal on 1st nov, with all the screen shots & he confirmed he has updated his records...

Sir/ madam... They are mentally harassing/ torturing me for their mistake... Is it because i am just a lady & they can do whatever they want? I have had loan in this bank for 5 years & each day has been a nightmare. I am so frustrated with all the torture that i have decided to close the loan account & have already raised request. But l&t team finds fun in torturing me. They still call me & ask for late payment fees. Today, the are continuously calling me & disconnecting the call just after one ring... This is a serious issue & i really need a resolution as i am closing my loan a/c because of their day to day torture.

I am a very frustrated customer & have informed all my circle to never ever take loan from l&t