While planning to buy my new flat, I had applied for home loan with ICICI, HDFC and IDBI Home Finance. Finally I took the loan from IDBI Home Finance. I had received the administrative charges back from HDFC but didn't get it from ICICI bank. While applying the sales guy told me that the charged amount will be refunded if I don't take the loan from them. But at the end, I got to know that it cannot be refunded. Is it so? Can I complain against it somewhere?