Reserve Bank Of India [RBI] — Excess roi at loan

Address:

122002

Sir, this is to bring to your kind notice that, i, vivek kumar bajaj, resident of 2995a sec-46, gurgaon, 122002, has taken a car loan wide, loan acc no[protected] from hdfc bank to purchase a 2nd hand hyundai fluidic elentra in may 2015.
The loan amount being 7 lakhs for a period of 48 months, of which emis have been regularly paid till april 2016.
I had approached the bank on 10th march'16 and had given them a written request, wide acknowledgement slip no- 6904964 to either reduce the interest rate to present competitive roi being offered by the others banks or wave off the pre-closure charges so that i could transfer my loan to other bank which is providing me loan at 10% approx.
My humble request to you, sir is that my concern should be treated as a transfer of loan case and not a pre-closure one, as the bank that is hdfc bank wants to treat it as, that is pre-closure.
Sir paying such heavy rate interest is very unreasonable, taking in account the present low interest having being made available by other banks.
Sire i again humbly request you to take a favourable view with an early response.
Thanking you
Vivek kumar bajaj
[protected]
[protected]@yahoo.In