I was insisted several times over telephone to avail a 0% Dial a Loan of 44000 at no charges other than Rs 99 + service tax for 3M. It was confirmed by the several authorities during the process of the loan ( I have then names also) that I will not need to pay total charges more than Rs. 110/- for the said loan for a period of three months. I was also told that the covering letter of the cheque will also contain all the terms and conditions and if any of conditions does not suit me I may cancell the transaction. But, I was stunned to note while receiveing the cheque that a processing fess of Rs. 880 is mentioned in the cheque forwarding letter. I immediately registered cancellation of the transaction today through registration number MA01/10/09/560649/E01 dated 12.10.2009 at 9.15 p.m. I beleive that no charges will be debited to my credit card account. I wonder that a Bank of International Reputation undergoes such unfair means to expand its business.