Axis Bank — Misleading Information & Incorrect information

Address:

New Delhi, Delhi

My last loan EMI was due in the month of July 6th for loan number ppr[protected], i called axis bank to confirm why the ECSwas returned and re run the ecs however they did not do so, neither they gave me the number for collections department to collect the money. and due to personal circumstances i could not keep the money in the account for long, then the ECS re ran on 14th and i again got returned charges from my account and axis too, Then the collection executive came i clearly informed him that i will be able to make the payment by 31st July he said ok, i asked him twice to check with the bank if there is anything extra i need to pay as in the bounce charges, the representative called the bank and informed me there is nothing i need to pay apart from last EMI which was RS 12724, despite of the verbal agreement the ECS was run again on 27th, luckily i was able to arrange the money before 31st other wise it would again got returned with charges on my account and axis bank bounce charges too, i called the collection executive Manoj :[protected]XX (not writing his complete ph num coz collection rep was not at fault) and told him the ECS ran before 31st and it has cleared please check with the bank that do i have to pay anything apart form the EMI, he again confirmed and said it all clear now. Suddenly on 13/08/2015 i gotta message saying there are RS 3456 charges pending on loan, also got a call from Axis rep saying if i don't pay this amount they will report it on my CIbil. This is a completely harassment, i am on fixed income by which i have to take care of many expenses. i would have paid in July itself however no body was interested in telling me the amount they kept on saying there is nothing i have to pay, this is very annoying i really don't know what to do, as i don't have any money left to pay them and they are ready to spoil my cibil for their mistake. i need your help on the same