Never take from LIC Housing, SBI, HDFC. Review on LIC Housing Finance Ltd

Took LIC housing loan Rs45Lak, interest increased 8 times over a period of 3 years, never reduced when RBI repo rate decreased, this kind of one side flexible home loan is there only in few frauds "LIC housing, SBI housing, HDFC housing". For reduction u have to see their website and fees Rs3540(Will complain to RBI). Except SBI bank, rest Canara bank, Indian Bank, Union Bank automatically reduce interest. While taking join home loan both have good credit score, later primary applicant closed credit card and transferred EMI to 2nd applicant bank with that cibil score became 0 NA. I am building good credit score by new credit card for transfer. In Aug 2024 I paid Rs3540 for reduction in interest and reduced to 8.9%, in Feb 2025 I got email to primary applicants email saying good customer we give top up for which I replied LIC is a fraud financier, looking alternate loan for that LIC increased interest to 9.05% by giving option to reduce with fees Rs3540, thinking LIC I can soft innocent. I kept 2 civil cases on illegal telemarketing by HDFC bank and for keeping intentional wrong entries in CIBIL by HDFC by spending Rs10Laks(Court fees Rs4.6Lak for Rs5Crore and 100% I will win even if bank manages lower court judges as managing regularly, Im ready to face my statement legally). DONT RESPOND SAYING PERSONAL DETAILS KEPT.