Standard Chartered Bank — Delay in providing personal loan closing letter.

Address:

560066

I have requested bank for pre-closer of my personal loan, first weeks they haven’t taken any action, after my multiple follow-up, they offered me lower interest rate in name of retention of customer but when I asked how that lower rate will be beneficial to me, they said its not applicable for me. After multiple complain I have asked bank to deliver PTQ to one of the SCB branch which close to my current location they took almost 2 months to deliver that. Even after delivering that I haven’t got any communication from bank that PTQ is available at branch. In my one of the follow-up I found that letter is available.

In PTQ, they charged me some charges in account of late fee, but neither branch person nor phone banking nor their head of service team able to explain me what are those charges? As none of my EMI got bounced from day one. I have taken standing instruction facility for EMI deduction and bank haven’t debited EMI on Oct month for that EMI they are charging me late charges which I don’t accept.
I have send more than 50 emails to their helpdesk, and head of service email id but hardly get response also there is instance where SCB have sent me the Pre-closer letter which was already expired.

In this interaction I am feeling that they are doing all this with intension to fetch more money from customer and wanted to raised complain against them as they are charging me for delay from their side.