HDFC Bank — Deducting EMI RTN charges without reason

Address:Noida Sector 61

My account was on "No debit" as my debit card got misplaced. But still I was paying my EMIs in timely manner.
Recently I removed "No Debit" from account with balance of 11, 800. Within one month,
they have deducted EMI RTN for all the previous months from last year. For each month they deducted around 230. I didn't withdraw any money within a month & my account has come down to 8000 balance.
This is just unacceptable.

Regards,
Ameet
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