[Resolved]  L&t Finance — home loan

I have taken Home Loan from Bangalore L&T Finance Branch and because of very unprofessional service, I decided to shift to another bank.
During the closure of the loan, I have been asked to pay the Premium paid by the Home Loan Insurance Company which they agreed with Kotak Mahindra team.
I was not aware that if I have to close the home loan, I also need to close the attached insurance to that. I was completely disturbed and wanted to quickly shift to another bank so I agreed to accept the process.
In the process, they asked me to pay around 162500 Rupees and said I will get back 80% of that.
Please note, it all happened verbal and told me that there are company norms in the documents page so somewhere you will find it.
Today I got refund of the amount and to my surprise they cut 40% of the amount.
I have to file this complaint as I am sure that these things they neither communicated nor gave me upfront readiness time for this.

I am really disappointed with this and need strict action on these companies whose targets are to get customers and some how cheat them