Hi ,
I too have a home loan with ING VYSYA bank; my account number is HL 5500384877 with the same terms and conditions of fixed interest rate for 2 yrs and floating point interest from 3^rd year. I am currently in the 3^rd year of my loan and with a floating interest rate of 12.5%.
I wrote to them about the RBI guidelines dated 5^th June 2012 for waive off of prepayment and foreclosure charges and they have also given me the same standard response of complying to NHB guidelines and about having informed RBI about it.
I have written to their customer complain cell and customer support stating to provide me the copy of RBI guidelines wherein it is mentioned to charge foreclosure for teaser loans on floating rate of interest and they have responded that they will reply after talking to their superiors.
I agree with you that RBI should step in and direct banks like ING VYSYA to comply with fair practices to customers.RBI aims at stopping discrimination between customers and banks like these fail RBI in its effort to achieve fair treatment to all customers.

Regards,

Tony

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