[Resolved]  HDFC Bank — un ethical withdrawal by ECS

An Automobile loan was taken in the name of my wife and the EMI was paid through ECS on 2nd of every month. On 2008 April as 1st was holiday for bank I couldn't remit the money in bank and I remitted it on 2nd. But Ecs is cleared on last days balance my ecs bounced and the bank called me up and their people collected the money by cash including the fineson 11/04/08. Again on 5th of may bank called me and told that my ecs for may also bounced. Then I checked my account statement and to my surprise I found that HDFC has withdrawed the money in april 17th and remitted it back on the 3rd of may, so the ecs bounced on 2nd of may. I informed the back about what happened and they told it is ok and they resubmitted the same. Then now in september they collected fine again on the ECS bounce happened in may 2008, again through a second withdrawal. And when contacted the bank they tells that nothing can be done on this.