HDFC Bank — Ecs form not sent resulting in bouncing off ecs.

Address:

Kamrup Metropolitan, Assam, 781007

Sir, I took a personal loan of Rs. 50000 from HDFC Bank on October 2015(Loan a/c No.[protected].The Bank employee asked me to get one ECS mendate form signed by the SBI (Beltola Branch of Guwahati) for EMI deduction of Rs.4530 for 14 months with first EMI due on 7.11.2015.
Accordingly I had got the form signed and the Bank employee took it to get it deposited through their office. I was not given any paper in support of loan.

I actually heard that usually there was a regular practice of the Banks that make first EMI miss. I had the experience of such miss for EMI of LICH with SBI.

When I enquired I found that my account of SBI did not receive any ECS mendate from HDFC.On enquiry HDFC bank employees informed that please wait a few more days since ECS mendate is sent from central office.

Now since I got a message from HDFC that I missed my EMI because of non-receipt of ECS mendate, I have to apply fresh pay around Rs.700 more and wait.

My question is can RBI officials help me since this is not my fault.