I got a call from hdfc bank 4 months back that i hav got a pre approved personal loan ..I need to submit minimum documents and i will get the loan in 4 days ,,so i applied ..After i applied for loan The hdfc guys didnt call me..I changed my job..Now 4 months after i got a call from hdfc personal loan dept in JB nagar andheri .hE TOLD me that my file got rejected bcoz i changed my job..i said ok...then they told me that i have to pay a penalty of rs 5000 or else there wil be legal proceeding against me..I asked them penalty for what??They said u provided wrong information....I have not got loan amount and have to pay penalty...plz help me....IS all this true