I AM WITH THIS BANK FOR OVER 14 YEARS, took almost 5 to 6 loans and paid them promptly without even a single payment delay and recently moved to UK and had a very tougher time of my life in respect to money and contacted the bank through email told them i will be not paying the bill for next two months and happy to pay the extra emi from third month. I had some money in my account kept for some emergency purpose day before yesterday this bank hold my bill amount without any consent locked my bank account. These guys are nothing but a monsters...i decided today to move away from this bank and i will make sure that all my friends and colleagues boycott this bank for life..