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	<title>ApnaPaisa - Financial Planning, Investment, Insurance, Loans, Credit Cards, Banking &#187; Banking issues</title>
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	<link>http://www.apnapaisa.com</link>
	<description>Get Smart</description>
	<pubDate>Mon, 22 Dec 2008 12:01:27 +0000</pubDate>
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	<language>en</language>
			<item>
		<title>In EMIs, why is the principal less than the interest paid?</title>
		<link>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/</link>
		<comments>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 08:03:36 +0000</pubDate>
		<dc:creator>Raima Bhula</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[equated monthly installments]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[ICICI bank]]></category>

		<category><![CDATA[interest rates]]></category>

		<category><![CDATA[principal]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=993</guid>
		<description><![CDATA[I had taken a home loan from ICICI Bank in December 2007 at the rate of 9.25%, for 228 months. In April 2008, interest rate changed to 10.75% which again changed to 11.75% in May 2008.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/feed/</wfw:commentRss>
		</item>
		<item>
		<title>You don&#8217;t have to avoid recovery agents</title>
		<link>http://www.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/</link>
		<comments>http://www.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/#comments</comments>
		<pubDate>Wed, 05 Nov 2008 14:17:59 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[banking ombudsman]]></category>

		<category><![CDATA[Code of Bank's Commitment to Customers]]></category>

		<category><![CDATA[debt collection]]></category>

		<category><![CDATA[debt recovery]]></category>

		<category><![CDATA[debtor]]></category>

		<category><![CDATA[defaulter]]></category>

		<category><![CDATA[RBI guidelines]]></category>

		<category><![CDATA[recovery agents]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=559</guid>
		<description><![CDATA[If a recovery agent knocks at your door you don't have to hide in your house or avoid them by asking one of your family members to speak to them. They cannot harm you or force you to pay the outstanding at all. ]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Loan Recovery: It&#8217;s a bitter experience</title>
		<link>http://www.apnapaisa.com/2008/10/04/loan-recovery-its-a-bitter-experience/</link>
		<comments>http://www.apnapaisa.com/2008/10/04/loan-recovery-its-a-bitter-experience/#comments</comments>
		<pubDate>Sat, 04 Oct 2008 15:23:20 +0000</pubDate>
		<dc:creator>Pooja Gawde</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[defaulter]]></category>

		<category><![CDATA[defaulters]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[equated monthly installments]]></category>

		<category><![CDATA[loan defaulter]]></category>

		<category><![CDATA[loan defaulters]]></category>

		<category><![CDATA[recovery agents]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=603</guid>
		<description><![CDATA[For some of us, who have seen the recently released movie EMI, newspaper reports about recovery agents may seem to be some sort of a controversy set to malign the profession and the banks involved.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/04/loan-recovery-its-a-bitter-experience/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Increasing interest rate&#8230;increasing EMI headaches</title>
		<link>http://www.apnapaisa.com/2008/08/22/increasing-interest-rateincreasing-emi-headaches/</link>
		<comments>http://www.apnapaisa.com/2008/08/22/increasing-interest-rateincreasing-emi-headaches/#comments</comments>
		<pubDate>Fri, 22 Aug 2008 11:57:35 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[bank]]></category>

		<category><![CDATA[EMI payments]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan lender]]></category>

		<category><![CDATA[interest rate]]></category>

		<category><![CDATA[interest rate hike]]></category>

		<category><![CDATA[interest rate revision]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=293</guid>
		<description><![CDATA[I have availed a home loan from an MNC bank at an interest rate of 9%. They have revised rates of interest several time and current rate stands at 12.50%, since 1/8/08 ( previously it was 11.75%). Last year in August, they raised rates by 2% in one go and...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/08/22/increasing-interest-rateincreasing-emi-headaches/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Discrepancy between actual rate and apnaloan rate</title>
		<link>http://www.apnapaisa.com/2008/08/22/discrepancy-between-actual-rate-and-apnaloan-rate/</link>
		<comments>http://www.apnapaisa.com/2008/08/22/discrepancy-between-actual-rate-and-apnaloan-rate/#comments</comments>
		<pubDate>Fri, 22 Aug 2008 11:34:16 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Axis Bank]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan application]]></category>

		<category><![CDATA[home loan interest rate]]></category>

		<category><![CDATA[interest rate]]></category>

		<category><![CDATA[salary hike]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=284</guid>
		<description><![CDATA[Bank is charging 11.5% for my home loan but your site shows it as 10.5%...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/08/22/discrepancy-between-actual-rate-and-apnaloan-rate/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Killer interest rates and prepayment charges</title>
		<link>http://www.apnapaisa.com/2008/08/22/are-there-rbi-regulations-for-interest-rates-charged-by-lenders/</link>
		<comments>http://www.apnapaisa.com/2008/08/22/are-there-rbi-regulations-for-interest-rates-charged-by-lenders/#comments</comments>
		<pubDate>Fri, 22 Aug 2008 10:40:14 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Personal Loan]]></category>

		<category><![CDATA[actual rate of interest]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[finance company]]></category>

		<category><![CDATA[installments]]></category>

		<category><![CDATA[prepayment penalty]]></category>

		<category><![CDATA[Prime Financial]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=260</guid>
		<description><![CDATA[I took a personal loan from a finance company called Prime Financial. The loan was of Rs. 27, 000 for 30 months with an EMI of Rs. 1, 477. What is the actual rate pf interest?]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/08/22/are-there-rbi-regulations-for-interest-rates-charged-by-lenders/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Credit card debt from beyond the grave</title>
		<link>http://www.apnapaisa.com/2008/08/21/credit-card-debt-from-beyond-the-grave/</link>
		<comments>http://www.apnapaisa.com/2008/08/21/credit-card-debt-from-beyond-the-grave/#comments</comments>
		<pubDate>Thu, 21 Aug 2008 13:16:37 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[credit card outstanding]]></category>

		<category><![CDATA[credit card statement]]></category>

		<category><![CDATA[ICICI bank]]></category>

		<category><![CDATA[ICICI credit card]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=246</guid>
		<description><![CDATA[My father who had an ICICI credit card which expired in April 2008. The outstanding on his card was Rs. 42,000. We have informed the bank about the same...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/08/21/credit-card-debt-from-beyond-the-grave/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Defaulter due to fraudulent transaction</title>
		<link>http://www.apnapaisa.com/2008/08/21/defaulter-due-to-fraudulent-transaction/</link>
		<comments>http://www.apnapaisa.com/2008/08/21/defaulter-due-to-fraudulent-transaction/#comments</comments>
		<pubDate>Thu, 21 Aug 2008 13:05:21 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[charges]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[debit balance]]></category>

		<category><![CDATA[defaulters' list]]></category>

		<category><![CDATA[fraud transaction on internet]]></category>

		<category><![CDATA[HDFC Bank credit card]]></category>

		<category><![CDATA[internet transaction]]></category>

		<category><![CDATA[replacement card]]></category>

		<category><![CDATA[reversal of transaction amount]]></category>

		<category><![CDATA[Satyam]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=240</guid>
		<description><![CDATA[A fraud transaction was made on the internet through my HDFC Bank credit card. I got my card blocked immediately...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/08/21/defaulter-due-to-fraudulent-transaction/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Credit card full repayment issues</title>
		<link>http://www.apnapaisa.com/2008/08/12/credit-card-full-repayment-issues/</link>
		<comments>http://www.apnapaisa.com/2008/08/12/credit-card-full-repayment-issues/#comments</comments>
		<pubDate>Tue, 12 Aug 2008 13:05:22 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[banking ombudsman]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[credit card dues]]></category>

		<category><![CDATA[defaulters' list]]></category>

		<category><![CDATA[HSBC credit card]]></category>

		<category><![CDATA[late payment]]></category>

		<category><![CDATA[out of station cheques]]></category>

		<category><![CDATA[personal loan application]]></category>

		<category><![CDATA[settlement letter]]></category>

		<category><![CDATA[waiver]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=243</guid>
		<description><![CDATA[I had a HSBC credit card, the dues of which were settled in August 2004 against a waiver of Rs. 8, 000. I had given out-station cheques towards the settlement which took 15 days to get cleared...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/08/12/credit-card-full-repayment-issues/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Bank charges for home loan details</title>
		<link>http://www.apnapaisa.com/2008/07/31/202/</link>
		<comments>http://www.apnapaisa.com/2008/07/31/202/#comments</comments>
		<pubDate>Thu, 31 Jul 2008 09:43:35 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[current interest rate]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan account]]></category>

		<category><![CDATA[home loan account statement]]></category>

		<category><![CDATA[IDBI]]></category>

		<category><![CDATA[IDBI asset centers]]></category>

		<category><![CDATA[IDBI home loan]]></category>

		<category><![CDATA[Industrial Development Bank of India]]></category>

		<category><![CDATA[interest rate]]></category>

		<category><![CDATA[loan outstanding]]></category>

		<category><![CDATA[loan tenure]]></category>

		<category><![CDATA[monthly statement]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=202</guid>
		<description><![CDATA[I recently made a partial pre-payment towards my IDBI home loan account. I wrote to their usual query email ID to know my outstanding and tenure. I got a reply that IDBI has discontinued sending statements...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/07/31/202/feed/</wfw:commentRss>
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