634+ Lawyers are online 
RTI Reply (Principal Recovered) not Match Bank Home Loan Statement
11-Jun-2026 (In Consumer Court Law)
mother applicant myself co-applicant Home loan by 2011 by State Bank of Travancore (SBT) for ₹12,50,575 at 9.25%. 180 months Tenure Loan ₹12,30,575 disbursed; ₹20,575 withheld for insurance without policy or consent. Reply 1 (RTI): Total Paid ₹21,61,589 | Total Pend. ₹8,65,353
RTI First Appeal Total Paid ₹20,38,207 | Principal recovered ₹5,23000 Interest recovered ₹14,98,494 | Charges ₹16,683 (attached PDF corrupted)• Physical statement shows 3,23000 my cibil shows "individual" not "Joint"
Obtain and preserve copies of the sanction letter, loan agreement, statement of account, insurance-related documents, CIBIL report, RTI replies, and any correspondence with the bank. First issue a detailed legal notice seeking reconciliation of accounts, insurance particulars, and correction of CIBIL records. If the bank fails to provide a satisfactory explanation, a complaint may be maintainable before the Consumer Commission for deficiency in service and unfair trade practice, seeking correction of records, refund of unauthorized charges (if proved), compensation for mental agony, and litigation costs.
A detailed examination of the loan documents and account statements is necessary before forming a final opinion on the exact monetary claim and limitation aspects. Please have the documents reviewed by a local advocate experienced in consumer and banking matters.
Helpful?
Adv. Hemalatha Narayanan
Chennai | 100+ Answers
Chat
Disclaimer: The above query and its response is NOT a legal opinion in any way whatsoever as this is based on the information shared by the person posting the query at lawrato.com and has been responded by one of the Divorce Lawyers at lawrato.com to address the specific facts and details.
Connect with top Consumer Court lawyers for your specific legal issue
No Comments! Be the first one to comment.
- extended delay in case hearing by state consumer court
- navi upi wrong transaction refund 091-964271-02 If you accidentally s
- Is one notarized affidavit sufficient with amendment IA?
- query on how to change party in person to autoriised representative
- Sbi bank branch fail to follow the loan agreement clause.
"lawrato.com has handpicked some of the best Legal Experts in the country to help you get practical Legal Advice & help."
