Consumer Redressal

Hi, I had taken a home loan from LIC Housing Finance (LIC HFL) in oct'09 which was a take over case from HDFC to LIC HFL. Initially I was told that the ROI of 8.75 would not change instantly but they changed it within next 4-5 months. They went on increasing it by 0.5% every quarter/ Half yearly. Now the ROI is 12% which is very high. The Branch Manager Mr. Kulkarni never listens to customer problems. Their agent Mr. Ghare had made false promises which led to my money loss. Their staff says they do not follow RBI guidelines & follow MHB. Does MHB change ROIs such rapidly? OR LIC HFL is making us fool. My a/c No. is 22930113498. The Kalyan (W) branch doesn't take care of Customer's queries & making them fool. Rgds, Sachin Hankare