State Bank Of India [SBI] — excess billing with unethical and unlawful demand & behaviour by sbi

Address:	New Delhi, Delhi, 110019
Website:	State Bank Of India Credit Card Division

Dear sbi (Cards),

On december 10th, 2016, i had used my sbi credit card for a transaction of rs. 29, 765.00 at nihar hotel inn, kolkata and thereafter requested to sbi cards to allow me to pay back the above amount in 6 equal installments.
In reply to which sbi mailed me their affirmation of my emi request and sent me an emi payment chart as shown under :
Booking amount... Rs. 29, 765.00
Rate of interest... 14.5 per annam
Tenure... 6 months
Processing fee (Taxes as applicable)... Rs. 593.30
Emi amount... Rs. 5, 320.49
First emi date... 9th january, 2017

This means i was to pay rs. 5, 320.49 x 6 = rs. 31, 922.94

Now i paid as under :
Date emi amount amount paid debit/credit balance
31/12/2016 rs. 5320.49 rs. 5400.00 26522.94
20/01/2017 rs. 5320.49 rs. 5400.00 21122.94
16/02/2017 rs. 5320.49 rs. 5500.00 15622.94
23/03/2017 rs. 5320.49 rs. 5500.00 10122.94
21/04/2017 rs. 5320.49 rs. 5400.00 4722.94
25/05/2017 rs. 5320.49 rs. 5400.00 (-) 677.06 (Cr)

Amo amount to pay amount paid excess amt. Paid
Total rs. 31, 922.94 rs. 32, 600.00 cr. Rs. 677.06

Customer care says cheque amounting less than rs. 2000/- is liable for levy
29/06/2017 cheque fee levy!!! Rs. 331.00 illegal levy was imposed
21/07/2017 cheque fee levy!!! Rs. 120.00 illegal levy was imposed
Rs. 451.00 what is this amount for???
Rs. 32, 600.00
Add rs. 451.00
—
Total amount paid till date rs. 33, 051.00
Total emi amount needed to pay rs. 31, 922.94
—
Excess amount already charged by sbi rs. 1, 128.06
Further amount being demanded by sbi rs. 1, 466.00
—
Total unlawful demand being charged by sbi rs 2594.06
Over & above the actual repayment amount
Of rs. 31, 922.94

Now please let me know if i should approach the "consumer court" or forum with my grievances or you would like to solve this outrageous attitudinal problem of sbi (Cards) and make necessary refunds of the excess amount gobbled up by sbi.

Awaiting your early productive reply,

With due regards,
Shyamol roychoudhury
[protected]@gmail.com
[protected]
B-300 (Sf), chittaranjan park,
New delhi-10019