I had taken a personal loan of Rs.95,000/-. In the first instalment my due date is 9th. From the next month onwards it is changing (below 9th). Last month it is 2nd. Due to the changing date and their non-proper cheque clearance system i am getting a late fee for Rs.300/- each month. Last two time i telephoned and got waived. But this month they refused to waive. What can I do? whether I can go to any consumer form. Friends please reply. S.NAGARAJAN tnsnagarajan@rediffmail.com