Why is Standard Chartered Bank cheating its customers?

We took a loan from Standard Chartered Bank in Nov 2010. We are located in New Delhi. There was no mention of annual charges. Even the schedule of charges they gave me didn’t mention anything about annual charges. All of sudden I found that theu have debit us with Rs. 37,000 as annual charges. My suggestion to all of you out there is NOT TO DO BUSINESS WITH STANDARD CHARTERED BANK because you don’t know what they will debit you with. The letter I wrote to their hot shot top executives is given below. These guys can’t make money in a fair manner and they start manipulating customers to boost up their profits.