HDB Financial Services — late payment charges and si not happend a/c 3771441

Address:	147001
Website:	[email protected]

Dear team

I have taken consumer loan a/c -3771441 from hdb financial service ltd. Of rs. 65, 000/- for purchase led from "kanna electronics, urban estate phase-1, patiala pin-147001" in feb-2018 and it's first installment was due on 04-march-2018 and i have given cheque and si form of a/c [protected] of obc bank for si at the time of disbursal but payment not debited from the acoount automatically after sufficient funds in a/c.
Bombay team call me on 10th march for recovery and told me that due to some technical problems we are not able to debit payment from your obc so please deposit cash in patiala-147001 branch and next time it will be debited automatically but this month 11-april-2018 i again recieved call from bombay recovery team and they told me that your payment is not debited due to insuficent funds and please deposit cash in our patiala branch. When i visit the branch, chasher told me that you have late charges of 52 ruppies as your last payment is not in time.
Today i have paid my installment and late charges 52 ruppies.
I am totally harasshed from hdb finace and i want my a/c set and want reversal of late charges and my travel expences as i travel 60 km to deposit cash installment.

My concern is:-

- how bank charge late charges when there is not my fault and sufficient funds in my obc a/c.
- if cheque is not correct then how case disbursed.
- if si form is incorrect than why no body inform me to resubmit the same before disbursement.
- i am also a banker and my designation is chief manger and when hdb do these things with me there are lot of possibilies to harass a normal person.
- if this is hdb executive fault than what is the responsibilty of operation team who have disburse the case.
- secondly if any document required for si than why hdb not inform me and how they charge late fee.
- how hdb harass a customer who have sufficient funds in his a/c and told to deposit cash in hdb branch when si form signed at the time of application.
- i traveled 60 km to hdb branch to pay my installment and my total expence on it is rs. 1000/- of two times.
- if there are late charges tahn definatilly it will impact on my cibil score and if it will impact my cibil i will go to legally action.
- i want reversal of late charges and travel expences of rs. 1000/-.
- i want my a/c setand fine.

Thanks and regards
Baljit singh.