My friend,
You cant do anything now. Nobody will hear your complaints. The document signed by you during the procedure mention everything. These hidden charges are applicable. Read everything carefully and decide. That is the only option to avoid future problems. I have a personal load with 9.99% interest until march. Now I am paying 10.99% interest. They increased! As per the contract they can do this. Please keep silent and pay all. More vigil next time.. Best wishes!