[Resolved]  HDFC Bank — loan emi - deducted twice

Address:	Pondicherry, Puducherry, 608401
Website:	www.hdfcbank.com

Loan number[protected], Name - Sivarajan

EMI for July month could not be collected by the bank as there was no balance in the linked bank account. Hence, they have called and requested us to pay the same through Net Banking.
I have transferred the EMI amount + Penalty (Since there was no balance in account on collection day) to HDFC Pondicherry bank account.
I gave the Transaction reference number of the Online fund transfer to the HDFC Employee who called me. Payment was successful.
Next day, they have taken the EMI from the linked bank account also. Now, I have paid the EMI two times.
ONLY because the HDFC officer requested, we did online transfer. Next day it is being taken from our account also.
I don't understand why would they put me in such a situation ?
When I tried to call the number from which they contacted me, the number is not reachable. When I called the Customer care, they are mentioning that payment made is not reflecting in their system. And told me that, it might take 48 hours to realize the payment and then up-to 7 days to refund it back to me.
I'm very much dissatisfied with their approach and lethargic replies. I have another EMI to be paid from the same account to a different bank. This week, they will try to take EMI and then penalize me as there will be no balance left in my bank account.
I want to know what went wrong and a definite date or period for the refund of my money.
Thanks. Contact number - [protected]