Kotak Mahindra Bank — Amount deduction without any prior information twice in a single month

Address:	Gautam Buddh Nagar, Uttar Pradesh, 201301
Website:	www.kotak.com

Hi my CRN with Kotak Mahindra Bank is 33884248 and i am holding this account with them for last almost 5 yrs.. ive got a personal loan running with them too.. last month in October 2015{personal loan account number : 27165166}my emi which was suppose to be paid on every 10 th of each month...due to some personal reason i dint had enough balance on that particular day which was 2 nd Saturday so the banks were closed because of which i was not able to deposit funds in my account...in result i paid that amount in cash on oct 19 2015 receipt number{MB[protected]} and when i deposited certain amount in my account it got on hold and when i got to know i was been told that its been done by the personal loan team they call it a lien amount ...first thing it was not informed prior that they would be holding the amount ...however i take that as my fault and asked the personal loan team to remove the lean ...and it was removed on the 3rd day which was oct 26 2015...now i deposited some amount on oct 29 ...and again on oct 31 2015 the same amount was been deducted without any reason and again i was so unlucky that Oct 31 2015 was again a Saturday...and the main concern comes here that the personal loan team dont work on Saturday and Sunday but their automated system works 24*7 because of which the amount was deducted...and when i tried to call on coming Monday which was Nov 2 2015, the personal loan team said that the request has been taken on priority basis and will be releasing the funds asap...now when i called today which is Nov 3 2015...i got a good new that it takes normally 7-10 days to complete the request...which was shocking to me ..because when they want to deduct any amount their automated system works like Ferrari{car} and in terms of refunding it starts working like Bull Cart...iam planning to close my account with them now ...as they provide a class customer service which i can not afford now...