HDFC Bank — ECS Return Charges of 2373 in a month

Address:

Bangalore, Karnataka

Hi Sir, I have HDFC Salary account from May 2012 with account number # I have following loans. Loan 1: Bank Name: HDFC Bank EMI Amount: 2769 EMI Deduction Date: 5th of every month Loan 2: Bank Name: CITI Bank EMI Amount: 3516 EMI Deduction Date: 5th of every month Every month the EMI money will be deducted from HDFC Bank account. Unfortunately I have not maintained the balance for the month of November. I paid 2769/- HDFC Bank loan EMI by cash on 28th November to HDFC Bank representative. I paid 8000/- CITI Bank Loan by NEFT Transfer on 6th December. (As the CITI Bank customer care executive told I paid 995/- additional as late fees) Following are the ECS Transactions happened from the respective bank for the month of November. HDFC Bank: 05/11/2014 - 1 Time 06/11/2014 - 1 Time CITI Bank: 03/11/2014 - 2 Times 13/11/2014 - 2 Times 01/12/2014 - 2 Times Following are the total deductions from my account: ECS DR Return Charges[protected].09 EMI DR Return Charges[protected].00 ECS DR Return Charges[protected].26 ECS DR Return Charges[protected].61 ECS DR Return Charges[protected].70 [protected][protected][protected]------- Total Deductions = 2373.63+ 995 (Late fee for CITI Bank) = 3368.63 Really should I bare these charges of rupees 3368/- for the total EMI of rupees 6285/- ? If I call HDFC Bank, they say these deductions are because of ECS fail and not ready to return any amount. How many times a bank can try for ECS in a month for one loan? What are RBI guidelines on Loan ECS and ECS Charges? If I contact bank ombudsman, should I need lawyer to take up the case? Attached the bank transactions details to this complaint. Request you to consider my request on high priority and help me to get my money back. Thanks & Regards, Prasad +91-[protected]