[Resolved]  HDFC Bank — HDFC Bank doesn't follow customers instruction and harras them

Respected Sir, I M L Sateesh Goud request you to solve my issue(problem).
I have taken a personal loan in February 2007, an amount of Rs 75000/- from HDFC bank, when I was an employee of Brigade Corporation Hyderabad.
I had a salary account in Citi Bank.
I had given all the necessary documents to HDFC people.
They have submitted the ECS form also.
From the beginning of the first installment payment the ECS was not activated.
The Citibank people have put penalty of Rs 300/- me.
When I consulted Citi Bank people they told that the issue is with the HDFC Bank. They have some problem with the ECS.
I approached the HDFC people in Secunderabad they told the issue is with the Citi Bank.
The clerk in HDFC Bank has sent an executive to my residence to
collect the EMI of Rs 2750/- and I have submitted the ECS form again on behalf of HDFC in Citi Bank.
But again the next month too the ECS did not get activated.
The executive had again collected the installment amount from me. This has continued till September.
In September I have got confirmation from Citi Bank that an ECS has been activated .
In August I have joined WIPRO, now I am having an account in HDFC which is salary credited account.
I have filled and submitted form to change the ECS from Citi Bank to HDFC. (SI)
All the 8 months I have paid the installments but the collection have collected only after the due date inspite of I being reminding them before the due date.
The clerk has told me that I need to pay some fine(at the end of loan payment) for being paying after the due date. I have explained him that was not my fault, as the issue was between two banks HDFC Bank and Citi Bank.
Please let me know what should I do?
Please reply to this querry.