[Resolved]  ICICI Home Loan — Denying receipt of EMI payment through ECS

My home loan EMI is cleared through ECS from my S/B account holding branch of SBI on 7th day of every month. All through for four years this went perfect, but this month inspite of having sufficient fund in my account and my bank clearing the EMI through ECS on 7th day of the month as usual practice, I received a call from ICICI on 10th confirming that they have not received the amount of my EMI and to pay the same immediately.
Though I submitted my pass book xerox showing the details of the transaction in their kolkata office, they send me a copy of my home loan account statement showing the EMI amount has bounced on 9th day of the month and charging an amount as interest in the statement. Not only that, they deployed their agency people to call me up almost everyday at any hour and pressurising to pay my EMI. My bank SBI has confirmed me that an ECS payment is done through RBI and cannot be improper once it reflects in your account.
I wish to say that being a common man and also being prudent in every way, if I had to go through such mental agony and trauma, then what is the solution of this? Or, we common people are only there to be victimised by these fradulent sources and bow meekly in front of their muscle power.