[Resolved]  HDFC Bank — personal loan represented twice without my knowledge, leading to bounce

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560036

I have taken a personal loan from hdfc bank and monthly emi (4th of every month) goes through ecs mode since june 2016. This month (4-nov-18), it dint happend. I checked with my home a/c, citi bank, 3 times, and they told me there was no cheque presented from hdfc to them. And i was maintaining my emi amount 21988 in my a/c itself. Finally hdfc collection department called me to my mobile number on 17-nov-18 and i have explained to them. Then, they told me that, it was a technical fault, and had requested to pay the emi amount. They provided me a link through sms for manual payment. I have just paid them on the same day and transaction was successful (Payzapp txn id:[protected]. To my surprise, today i have noticed in my a/c there was a bounce charges + service taxes + gst in my statement. I have checked with citi bank customer care, and they just told me that, hdfc bank had presented the cheque (Which i already paid on 17-nov-18) on 21-nov-18 to citi bank, and as there was no funds, it got bounced. I had no clue, and was wondering, whey hdfc bank who already collected this month emi, had presented it again to citi bank and without my knowledge. I have just called to hdfc customer care and got to know, that, there would be re-presenting cheques on 24th of month. Also told there was some rbi process changes, and asked me to visit branch and fill ach form. Atleast the collection department could have informed me about the process, that, there could be re-present again second time. If so, they shouldnt have collected from me manual payment. They do collected manual payment, and again went on to present again to the bank, which i feel there is some disconnect between collection department and bank. I am a middle class salaried man with lot of commitments, and paying the emi's every month promptly. But irrespective of that, i got levied with bounce charges (+service taxes) with out any of my mistake. Firstly, if there is any rbi process changes, why it was not intimated to the loan customers on it, and get processed. Hdfc bank had failed to do that. And secondly, as i heard from customer care, collection department will not have any info, rather just to collect manual payment. Hdfc bank could rethink on this, to avoid this kind of situation. Both collection department and bank should work together, get updated everyday. I regret for taking personal loan from hdfc and wish would never commit this mistake again. I was not having sleep due to my office work yesterday, and still making this hard effort to share my experience and will do on all social media platforms, so that, hoping to save few innocent customers like me. Jai hind.