I have applied for Home loan transfer from HDFC to LICHFL after confirmation from LICHFL Indore that the interest rate will be 8.75%.So i was interested in switching from 10.5% of HDFC to 8.75% of LICHFL but when i submitted the processing fee of Rs. 5512 to lichfl then they given me loan sanction letter in which it is mentioned that ROI after 3 months will be PLR-2.75% current PLR of lichfl is 13% so my effective rate would be 10.25%.All the communication from LICHFL to me was verbal & now they are not refunding me my processing fee which i feel has been taken fradulently by hiding facts about correct interest rates.I have done some mails enquiring them before application in which i hv mentioned rate 8.75% and my interest only if this rate is given to me for this I got verbal confirmation and was told to submit processing fee again commiting to refund if loan is not taken by me now i don't want to switch on 10.25% interest rate and LICHFL is telling not to refund it.An agent of LICHFL is also involved along with LIC officers is also involved in my loan transfer processing who has cheated & taken the cheque of processing fee in favour of LICHFL.Now he's telling that the amount is with LICHFL so you take ur processing fee directly with them & lichfl is telling that they can not refunf the processing fee as being non refundable.Kindly guide & help me getting the processing fee and please put my query in your website so that others are not get cheated by LICHFL.My loan file no is 215354.