[Resolved]  Citibank — Double EMI deduction

My account has been debited twice for the month of February 2009. CMFL or the Citibank Finance company debit the EMI through an ECS. Due to some reason, there were insufficient funds in the account and the ECS returned. I paid the EMI through cheque but even then the ECS was presented. Eventually, the EMI got debited twice. I want to know if I can take legal action for the harassment which I will face in getting my money back and should the money be returned with interest.