Myself Santosh Guddala and my wife Vijaya Balivada applied for home loan Sanction number: 115/Kukatpally/Feb 2010 (Attached document). Hearing about IDBI from close friends and Builder we approached IDBI without any hesitation whatsoever. But unfortunately we have had gone through so much of trouble and our expectations are lowered now. We would like to bring multiple issues to your notice 1. Primary concern is that our EMI cheques have been credited from our account before possession, this isn't Pre-EMI but actual EMI we also came to know that only 1200000 has been disbursed to the builder out of 2999990/- 2. Our loan amount has been disbursed no communication has been made to us regarding loan account number. 3. Some staff members in Kukatpally Hyderabad branch are unprofessional . I was asking information on why we have to present blank cheques, person was unwilling to give the answer and also trying to intimidate. It really concerns me on why customers are so neglected, the whole experience made us feel that the bank is only interested in its business but not understanding the fact that it is a mutual business, considering the interests and possessing fees to support the infrastructure you build for your customers. Unfortunately we didn't find this happening. I have called the concern person before writing this mail but a very cold response and negligence has been shown again. With such a bad experience and we can't resist I request you take appropriate action. Please let me know on how we can proceed with this issues I would be willing to share any additional information you require. If no action has been taken I will make stop payment on all my EMI cheques to avoid further loss. thanks,