I have taken a home loan from SBI (Its Max Gain) in June 2009 and they told me that I can start my EMI whenever I want. So I started my EMI immidiately after getting my possession in Nov 2009. Now since then I see that my home loan account goes in negaive after 10 days of pying my EMI. Earlier it was going negative by Rs 750 to 800. So I met SBI Branch manager and she told me that you may be missing one of the previous EMI and the interest is getting charged. So I paid one extra EMI but still the account going in negative. so I again went to met the branch manager. She said try paying more more EMI and I did this third time. but the account still goes in negative. The only difference is that the amount has been reduced to Rs 350 odd. And now the brach manager says I can't do anything as it will be charged. But she is not ready to give me exact clarification of the deduction.
I need your advice on what step should I take in this situation as I am helpless beucase the Branch manager itself is not helpful. OR Can I take any ligal action against it.
I would be very thankful to your advice.