Ing vysya bank ltd
Collecting penalities

I Have taken a home loan through ING VYSYA Bank. It has been more than one month process in collecting my documents, verification and sanctioning the loan. They have dispatched a letter stating that 8th June onwards your EMI will begin. But no one has spoken about pre-emi concept. They have never said the start date of that. I havent considered that because it is a ready to occupy flat. Without informing they have dropped a cheque in my bank which no balance. Bank has collected cheque bounce charges and ING too collected cheque bounce charges. When I asked them whether they are not supposed to inform us before dropping the cheque, they said "NO". I am really dissappointed with thier way of greediness towards collecting penalties from customers.

Thanks,

venkat