Hi,

I am Jayprakash Khoje & I have taken Personal Loan from HDFC bank (amount 1 Lac & taken on July 2009).
My loan a/c number is - 15022214.

The EMI of loan was scheduled to be directly debited from my ICICI bank a/c through ECS. It was got cleared in July 2009 & Aug 2009.

But, in the month of Sept 2009 & Oct 2009, the EMI amount was not deduted from my a/c & I was communicated by HDFC bank regarding the problem in my ECS facility. I have paid the EMI in cash for those 2 months. I was also told to make the payment in similar mode in future if I didn't get my ECS facility activated by visiting nearest HDFC bank.

I have not visited the HDFC bank in Nov 2009 & withdraw money from ICICI so that I can pay the EMI by cash (as it was communicated to me by HDFC).
But, somehow, HDFC had processed the ECS to ICICI & as because of low funds, the same got bounce. This process happens twice. B'coz of ECS bounce, ICICI had charged me Rs. 550/- & HDFC had charge me Rs. 450/- as extra. In all this situation, I was not in fault.

I have communicated the same to ICICI & considering this problem between two banks, ICICI had reversed the charges to me. But, when I communicated the same problem to HDFC, even after haering my case & knowing that I am in no fault, they were very adamant to reverse the charges. HDFC customer service manager Mr. Pratik Kale was very rude & had not reversed my charges. Instead, he advice me to contact ICICI for this reversal from HDFC bank or to contact collection department for this reversal.

If HDFC customer service person see this mail, plz reply to me.

Thanks & regards/
Jay