Muthoottu Mini — My Gold Loan holding loan closure and added interest during the period

Address:	No 9/18 Venkateswara Building, Thadagam Road, Edayarpalayam, Coimbatore - 641025
Website:	www.minimuthoottu.com

Hi Sir/Madam

This is to bring to your kind notice that I hold 1 Gold loan from Muthoottu Mini Edayarpalayam Branch, Coimbatore, TamilNadu(GL no bearing 12734). I have paid my interest every two months through online upto Dec 2019. after they called to renew your gold loan for that you need to come to branch with token receipt. but unfortunately I missed my token receipt and informed them. then they said you need to come with 2 persons with their ID cards and sign formal documents to close the loan and release the gold. on March 6 2020, I went to branch with two persons and signed the documents and get the photos also.I have waited upto 2 hours to approval. but they said still approval is pending. so we will check it and let you know like that. but after that, i didn't get call from them during the Lockdown. I called him on August 2020, again they said still is not approved, will let you know once approved. after that i didn't get call from them. on Sep 30 2020 I got call from the branch and stated that, your gold ornaments are in decision of auction.you need to come to office and pay the outstanding amount on or before Oct 5th 2020. I asked them why you are not called me for last 6 months, but they didn't gave me the proper response .Also they charged 24% interest for this period, due to their mistakes they have charged interest, they didn't even Rs.1 is not waived off on the interest.I have paid Rs.15705 (with interest charges 24%) to close the loan.(Attached close receipt)
What is this? if you are not approved then customer will pay all the interests? you are hold the ornaments and put interest for that?
as per the rules, if customers wants to close the loan, you need to close on the same day. you weren't closed the loan same day. that's your biggest mistake. so please check this issue and revert back to me the resolution.
if not, will raise/file a complaint to consumer courts.
Looking forward your response.

Thanks,
Thirugnanam