Vijaya Bank — Debited unwanted charges to my housing loan account

Address:	380060
Website:	www.vijayabank.com

I have housing loan account with Vijayabank, Sattadhar Cross Road, Ahmedabad Branch bearing account no [protected] . I was charged fix amount of Rs.12720/- towards EMI of housing loan. Before availing the housing loan we have paid all legal file and Insurance charges as per bank policy. One day when i requested for account statement i was shocked looking to the charges debited towards inspection chgs, verification chgs etc. We all are aware that bank gives only 80% of loan on actual value of Property, then why you need to get the property valuation and verification done every year and the value of property has always gone up in Ahmedabad so where is the need of such activity and if bank require to be on safer side its they have to pay why burden on client. I had so many and also made online complain on banks website where they are having only one standard reply as its been debited as per banks time to time policy. I have already paid all legal charges before availing the loan as per policy and now this EMI amount includes principal and interest amount then why extra money debited without customer consent. So i request to take a strict action against banks such policy and arrange to get all the amount deducted from my account with interest and also for mentally torchuring for putting unwanted burden on loan payment.