I was issued notice dt.30-4 to deposit post dated cheques for existing loan a/c No.64037846. The amount outstanding was 81336.86 as on 5-6. On 16-5 I approached them to pre-close my existing loan and they demanded Rs. 86779.24 for the same. The outstanding loan amount of Rs. 81336.86 has all of a sudden became Rs. 85098.44, leavy charges 1276.50, S.Tax onlevy charges Rs. 131.50 totalling to Rs. 86779.24. Though I sought clarification, they were not willing to give proper answer and accordingly I paid the amount. On 21-6 I went to collect the documents accordingly. The original sale deed and the plan for 1st floor construction was given whereas the plan for the ground floor which was submitted to them in 1994 was not returned stating that it is not available with them. In 1994 I took a loan vide LA No.64019115 while constructing the ground floor. The second loan was obtained vide LA No.64037846. The plan for ground floor was submitted in 1994 and the second plan was submitted in 2002. It is not understood as to why the original plan dt. 1994 is missing from their file. Since it is an important document, the LICHFL is liable to return the plan to me immediately or otherwise to bear the cause and consequences. They are also liable to refund the extra charges levied from me. Though the RBI has given clear directions not to charge pre-closure charges, the LICHFL is continuing to charge and that too exhorbitantly on high side.
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