HDFC Bank — are you educated of Second ECS deposition when you avaialed a loan from HDFC??

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Bangalore, Karnataka

People be aware that there will be a 2nd ECS redeposit done by HDFC in case if the first ECS bounce. NO customers are educated about this details and the customer end up paying fine charges twice for both HDFC and your bank as the ECS Return charges. When I called the customer care I was told to pay via Overdue payment option. But please do not do it, if your first ECS bounces. All you have to do is maintain the ECS+Charges amount in your account and the HDFC does a 2nd ECS. before the 2nd ECS, even if you make an online payment, ITS NOT VALID. and IT WILL NOT BE REFLECTED in your loan account that you have made the payment, So by this, you end up paying fine charges for HDFC twice and your Home Account twice (ECS return charges). I suggest you NOT to goto HDFC in any case. From what i suffered, i am going to pre-close my loan and goto a Govt. Bank. lesson learnt - be vigilent on all the terms and conditions when you avail the loan.