I am NRI based in London .Current rate of interest has increased a lot and disbursement is not as per the condition of rate laid in my letter of approval issued by HDFC delhi office . As per the approval letter , rate was fixed upto 31/3/2012 then flexible after this . But at the time of disbursement in march,2011 ,HDFC have changed the condition to flexible rate on its own with argument that they have stopped the fixed rate option 4 month back so disbursement is with flexible rate Further we have not received any communication from HDFC for cancellation of this approval letter and replacement with any new offer till date . So they have to stick it to the fixed rate as per the approval letter condition . pl. guide me the way forward to deal with the bank including the ombusdman .