We applied Car loan in SBI, originally the loan period was 7 years and we signed the ECS mandate for seven years only. But later the tenure was changed to five years and the EMI increased without getting any signature from us. we repeatedly requested the Manager to change it to 5 years, but he is not even responding. Without our signature how the tenure changed? Now the manager is asking for sign in New ECS form. We could not pay the increased EMI, how to proceed in this.