Two Wheeler Loan — requesting to pay penalty without genuine reason

Address:

Chennai, Tamil Nadu

Dear sir,
I have taken two wheeler loan with HDFC bank on 20.07.2010 Agreement no. 16981673.I have opted for ecs to pay the due that is 5th of every month .As eight dues was going smoothly (05.08.2010 to.05.03.2011)with out any interruption .The story was different on april 2011 usually my salary will be credited on 1st of every month but due to annual budgeting my march month salary has been credited on 5th April 2011 to my icici account.Even though my ecs date is on 5Th they have debited Rs.275 from my account as check bouncing charges .Immediately i called HDFC bank[protected] and reported about this and asked to debit the amount .They said they will debit it on 15th of April 2011 and given the reason for not debiting as u have to maintain the amount on 4th of every month although i have given the ecs date as 5th of every month they dropped the call with out answering.I also left as such they have debited the due on 15th of April as they said.Even the successive month due has been debited as on time that is 5th of may 2011 so i thought problem was over but suddenly today(16.05.2011) i got a call from HDFC bank ([protected]) and asked me when are u going to pay the penalty amount of Rs.450 for the two wheeler loan sir? i said i am not aware what you are talking about and i have been already deducted Rs.275 from my account the bank personnel replied you have been deducted by the icici bank where i am maintaining the account and not by ours so he asked me to pay the penalty of Rs.450 or-else u will not get the NOC of the vehicle until you pay the penalty even i[censored] pay all the dues.I was really shocked and panic about this although i was maintaining the requisite amount in my account as on 5th of April 2011 icici bank(my savings account bank)has charged Rs.275 and HDFC bank (the bank where i took two wheeler loan)is asking me to pay a penalty of Rs.450.I am really worried about this kindly provide me justice .Here with i have enclosed the statement of ICICI bank from (05.04.2011 to 12.04.2011) for your reference and to prove that i have the amount on 05.04.2011.I hope i will get justice in this issue.

icici account no:[protected].
HDFC loan account no:16981673.