I had applied for a Personal Loan from Life Need Associates, Khanna, Punjab for Rs.15.00 lacs, which they sanctioned. They asked me to pay the following charges:

2250 as legal charges
30000 as refundable advance EMI
3250 as ECS processing charges
3250 as ECS processing charges

I paid all amounts on time but after that they kept delaying and postponing my loan disbursement and on 17th January 2011, I got to know that they have duped other people too. There are 2 persons, Yash Mehta & Vinod Sethi who are involved in this cheating. They have a website address lifeneedsassociates.in, where they are posing as Financial Institution. Please suggest help to me for taking action against these 2 persons and the company.