[Resolved]  Axis Bank — hidden amount claimed during issuing of NOC for car loan

Address:

Delhi

I took car loan from AXIS BANK a/c no. [protected].the EMI had been paid through ECS from KOTAK BANK since 2007. after completion of 3 years, in year MAY 2010, the ECS functioning was stopped due to axis bank upgradation of system . it was braught to the notice of BANK with intimation.to “customerservices.[protected]@axisbank.com”,and BANK had arrange to receive the EMI through a/c payee cheque on due date and all cheques were collected in due date by BANK representative till the end. the statement had also been submitted to me reflecting the Balance EMI ONLY.In the communication , I had specifically mentioned that the failure of ECS is the BANK PArt only and I am not going to pay any additional amount. the BAnk had admitted their fault. after the end of tenure, when I had paid all dues , they had shown 00 in balance and I contacted Bank to get NOC. the I came to know in year 2012 , that I have to pay Rs. 17000/- for ecs bouncing and daily interst on this amount is being charged if i do not pay.

Regret to inform that I had no other alternative but to pay Rs. 15,500/- plus Rs. 27/- plus Rs. 1604/- by force to get NOC. At the end of my tenure with no fault of mine. In this regard , please refer all my correspondences with “customerservices.[protected]@axisbank.com”, please be informed that the EMI of the referred loan no.[protected] had initially been paid through ECS of KOTAK MAHINDRA BANK. In June 2010 , I had found that ECS was not claimed and it was immediately brought to your notice. You had arrange to receive the EMI through a/c payee cheque on due date and all cheques were collected in due date by your representative till the end.
I need to know, in spite of receiving cheques in due time since June 2010 till aug 2012 .why Bank's system generated ECS without my knowledge and claimed Rs. 17131 after paying all EMI in due time. Why Bank had hidden that an amount in statement which was sent to me. why Bank had not mentioned that amount when I had mentioned that due to non functioning of ECS I am not going to pay any additional amount. with copy of all my letters , I need to lodge complain to Banking Lokpal as Rs. 17131 is forcefully taken by bank taking advantage of non issuing NOC