Channel partner mail stating the ROI 12.25%, the same was confirmed by Tata executive. However sanction letter availing the loan came without disclosing the ROI, however state a schedule of cashflow to be paid over a time. On calculation ROI arrived @ exceeding 18%. Complained to both bur in vain. Did not paid monthly EMI, hence later both acknowledged mistake & sent a new set of reduced cashflow. Even after that my account is debited by the same old ECS amount. No one is helping me.