L&t Finance — Mortgage top up loan

Address:	560078
Website:	www.ltfs.com

I already had a mortgage loan (Blrhl[protected] and was paying emi with out fail from past 2.5 years. I have requested for top up loan, they have shown some invalid reasons and asked me to take new mortgage loan (Blrhl[protected] and they will foreclose the old loan from this new moan amount and remaining amount they will provide as topup amount. As myself and my brother were co=owners and my brother was going out of station for 2 months, we requested to take the necessary documents that is required to disburse the loan.
My brother left after signing the required documents, after loan was sanctioned the client relationship manager had asked for modtd to disburse the loan amount, for which my brother is required, i have immediately informed that my brother will not be returning for next two months, i will give what is required and when my brother is back he will do the formalities, for which they have not accepted showing technical reasons.

I have immediatley requested for stopping/ cancelling the loan as we can't provide the modtd, without the amount being disbursed they have started charging emi of (Rs 38, 936), inspite of repeated requests and even enclosing my flight tickets of my travel plans going out of country for long term, they have not taken any action and were asking me to pay emi of old loan & the new loan.
I have maintained the funds for old loan emi and not for new loan as it is not disbursed to me. And after multiple requests they have foreclosed my old loan on may 19th 2017, instead of new loan which i was requesting and charging interest for full amount which i have not availed.

Now they are asking me to foreclose, if can't give modtd and i am not happy with their loan terms.

I feel they have taken advantage of my position of being out of country and charging me interest and penalty on the loan amount which was not disbursed to me.