Bank account related problem

First file application seeking certified copies of your loan application, process notes, recommendation, sanction communication with your acceptance, statement of account and informing changed rate of interest from time to time.   Preserve the certified copies, take three copies of spiral binding books.  Then show them to a qualified chartered accountant for a computer-generated account statement.   THERE  may be several retired bank executives at your place that can offer you free guidance and for informing the correct position on studying the documents.. Record their comments/observations and issue a notice under CP Act and first complain to banking ombudsman. All this exercise may not cost you more than Rs.2,000/- and you can get an idea on the future course of action.