Personal loan approved, then Rejected.

I applied for a personal loan with HSBC. The loan for an amount of Rs 3, 00, 000 was approved on 21.11.2006. The legal documents (Demand Promissory Note, Agreement & 5 PDCs) were collected.

Also, I had to pay for the bank statement, sign verification & ECS charges.I called up the HSBC on 23.11.2006 the executive informed me that the personal loan has been rejected. If the bank had to reject my application, why did the bank approve it at the first place? The bank is not ready to disclose the reason.

Also, the bank is not ready to send me the legal documents back. Kindly help me in this matter.