Punjab National Bank Housing Finance [Pnbhfl] — Disbursement provided on unconstructed property- Fraud

Address:

Pune

Reference Loan A/c no. HOU/PUN/0516/287259
Loan agreement date: 26-Aug-2016
There are many irregularities and unethical practices by PNBHFL. I want to bring notice two below:

1)
PNBHFL has tied up /contract with Pune based Builder Playtor.
PNBHFL has provided 73% of my loan amount disbursement to the builder without checking the building status.
Builder has not started construction yet and i am paying EMI.

PNBHFL forcing me to pay EMI as there is no base for providing advanced disbursement to the builder.

Demand letter - consent was not taken from me and why I should give advanced money to builder by paying EMI?

PNBHFL cheated all poor people by doing setting with the builder.

As per RBI rule, disbursement should be linked with construction stages but PNBHFL ignored this rule. why ? for whose benefit?

2) PNBHFL acted like insurance agent and not as financial institute. Insurance was not compulsory, PNBHFL forced me to take insurance and added premium of Rs. 55, 000 /- in my Loan amount and for that I am paying EMI.

My Demands:
1) Refund of all paid EMIs as this is a fraud done by PNBHFL by intentionally ignoring RBI rule
2) Immediate Loan Closure as it is affecting my CIBIL score
3) Refund of Insurance Premium
4) Harassments charges / losses occurred due to fraud from 2016

Please do not provide clarification that I was aggreged to the terms and conditions.
I need clarification on Why RBI rule ignored and put me in financial risks as builder is fraud.
There are many police complaints against builder.
Please disclose how many customers affected due to this PNBHFL's unethical business practice? Else I will show the list in court and on public forum.

Thanks.