State Bank Of India [SBI] — Complaint no. vl[protected] a/c no.[protected] vehicle loan availed from rt nagar branch of sbi bangalore

Address:	Bangalore, Karnataka, 560098
Website:	sbi

I had taken a loan of Rs.500000/- on POLO car on 17.12.2014 and foreclosed it on 9.03.2016 by paying the bal. amounts in two installments 104529.00 on 05.03.2016 through IMPS and Rs 219973.00 on 09.03.2016 via net transfer.
While getting the loan, I had given seven cheques of ICICI bank RR nagar branch. They have presented two cheques on 21.01.2015 (chq.no 158588 )for Rs. 16239 and on 28.04.015 (chq.no 158588 ) for Rs.16239.00. Remaining 12 installments they have collected via ECS mandate given by me to ICICI Bank RR Nagar with sufficient balance every month. This being the case they have charged Rs.562.00 twice as debit adjustment late installment charge on 27.04.2015 and 25.05.2015. If they have not presented the cheque or ECS mandate in time, is it my fault? Also they have charged as arrears of interest of Rs.793 on 31.03.2015 even though the interest rate has come down from 10.45% to 10.3%. And Rs, 700.00 on 30.04.2015 arrears of int.cap. and Rs.583 as discharge int. for a balance of Rs.219390 for just four days. I have detailed transaction list for this. and pointed out the same thing to them via complaint no. mentioned above. The bank sent me an email and SMS to my mobile stating that the complaint has been resolved and the charges applied are correct and Charges applied are correct. they have also told in the sms that Customer contacted and explained to satisfaction. We regret the inconvenience . The fact is no one from the bank has contacted me and explained the details.