[Resolved]  HDFC Bank Bank Personal Loadn — CQB due to 3rd Party Payment charges

Dear Concenr,
I have an Saving account with HDFC Bank and i have taken a personal loan from HDFC bank of Rs. 196000/- in April 2007, My first installment was due on June 2007, i have cleared all the installment of rs 7936, till now. i have completed 21st installment in the month of Feb 2009.

But my installment of Rs. 7936 was bounced due to 3rd Party Cash payment other then home branch,
i was charged 111 Rs. from my account which i was not aware about and i was never communicated about this charges would be applicable to my account. As a part of Rs. 7936-111=7825 was debited from my account and for an amount of rs. 111 my SI has got bounced. now the bank is asking me for a payment of rs. 400 Cheque bounce charges and 111 due for installment which is due for feb 2009 (How come it is possible if i have submitted a standing insturction of rs7936 and they have debited amount of Rs. 7825 ? because they can't debit amount Less or not more then actual Standing instruction was given for ? correct me if i am wrong.

I have told them, i will not be making any payment of Rs. 400 for CQB, i am ready for making due payment towards 111 installment of Feb 2009. if you giving me reversal of Rs. 400 for CQB.
or else i would not be making any further payment which is due till this issuge get resloved.

Kindly suggest me what to do ?

Regards,
Amit Goswami
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