Punjab National Bank Housing Finance [Pnbhfl] — I am complaining about bad services at PNBHFL

I, MR. NIKHIL NANDKUMAR BORKAR had request them to kindly apply the revised ROI i.e. 7.65 % pa to my existing housing loan account number 487307, from the approval date which is 10/02/2021 as the delay was caused by PNB team inspite of following up continuously with them since SEPTEMBERR 2020.
In regards to this I have been sending emails from my registered email id to pnb customer care, nodal officer and executive director for no proper follow up in my case wherein I am paying an extra amount which should have been ideally revised in OCTOBER 2020 (according to your protocol)
I would like to explain my case in brief
Sep 2020 - request placed for ROI conversion
In the same month account showed some PROCESSING FEE pending which was some confusion and technical error at Pnbhfl end.
Oct 2020 - PROCESSING FEE BALANCE WAS RESOLVED AND NEW ERROR OF Rs. 1032 arised in form of Emi due. When questioned about the same as we had ECS payment. So no way of paying less and having overdue Emi.
Few days passed, Pnbhfl apologised saying it was a miscalculation of the moratorium period and requested us to make the payment, promising no such mistakes will occur in the future. We made the payment.
After this on 6th Dec 2020, Ms. Sarojini from ROI conversion team had called and offered us 8.5 ROI to which we agreed the same day. She said the base branch will contact you and your work will be done. We have call recording for the same.
From that day we never received any call/ mails nor did the customer care manager respond to our call and messages unless we sent him the call recording on 15th January 2021. We kept paying our pre Emi at 9.45 ROI pa.
15th January 2021-10th Feb 2021
Our Customer care manager said he has spoken to Ms.Sarojini and they have offered us 7.65 ROI pa to which I agreed but again till 10th Feb 2021 nothing happened. I again paid the emi at 9.45 ROI pa which was very disappointing.
Finally we somehow I managed to speak with branch manager at Panvel. When questioned about the delay in ROI conversion, he too gave us lame excuse that your account is showing Rs. 52 overdue due to technical error from pnbhfl. He said he will take the approval and do the needful. The very same day in the night he called me to say new ROI has been approved and I would receive the mail regarding the same.I will be guided by the customer care manager at panvel branch.
I did all the formalities as advised and received a mail for the same.
When I checked my account statement I came to know that the new revised rate will be applied from 11th March 2021.
Again such a disappointment, all the mistakes and technical error and no proper follow up, from pnbhfl and the customer is suffering.
Requesting you to please consider this and please apply the revised rate of 7.65 ROI from 11th Feb 2021.
As I think no where in the world it will take more than 6 months for the ROI conversion.
And the organisation will one after the other keep on doing mistakes and technical errors.
By now I think I have already paid more than Rs. 30000/- extra amount to pnbhfl, as u can check i have never bounced my EMI from day 1.

Kindly look into the matter asap, on priority basis as my EMI is due on 10th March 2021.
Hoping to hear a positive response.

If you need any proof for the above mentioned incidents, I have them all mails, call recordings, whatsapp chats etc.
Please feel free to contact me for any proofs required. Hope you take necessary action soon.

Thanks and Regards,
Mr. Nikhil Nandkumar Borkar
Loan account number 487307
[protected]/[protected]