ICICI Bank — Denying change of auto debit ecs and charging heavily on bouncing charges in spite of timely payment of emi

Address:

New Delhi, Delhi, 110003

Dear sir,

I am having a personal loan with icici bank vide loan account number lpdel[protected].

I am trying to change the payment terms from auto debit ecs to direct payment. I have called phone banking, written to customer services and visited personal loan serviving branch.

But they are insisting on giving another bank account for ecs. I am for personal reason not able to give another account as i do not have regular salaried income. Also they need charges to change this ecs to other bank.

Now bank is presenting ecs and charging bouncing charges. Also the saving bank account is also charging heavily on this account.

Request a help in this. I am paying dot on time the emi but these bouncing charges are killing and it is understood that bank might be adjusting these emi against these charges. The private banks are no less than earst while mahajans. Is there a way to just pay emi on time without paying these obnoxious charges.