The complainant shall continue to pay the EMI agreed between the parties.<br /> The O.P. shall workout the payable interest as per the changed rate of interest with effect from 1-4-2002 and reduce the period of total payment. This fact be informed to the complainant in writing.<br /> Opposite party No.1 to 3 shall complete the process within a period of 2 months from the date of submitting formal application by the complainant.<br /> If complainant faisl to submit application in proper form or to pay conversion charges of Rs.1% or to execute modied agreement, the complaint shall be treated as dismissed.<br /> Parties to bear cost.<br /> Send certified copies of this judgement and order to to both parties under C.O.P except O.P.1 Send copy of this order to O.P.1 by RPAD.