[Resolved]  ICICI Bank — ecs return charges of home loan

Dear sir/madam,

As my emi date was 15nth of september, i transferred the same amount in my icici account on 15nth only. But still my emi bounced as per received message from dhfl and icici bank.

Then after i contacted khopoli branch to ask the details, they told me to wait for 4 to 5 days may be ecs will be regenerated. But on 20th of september i received a call from dhfl customer care to pay the same through paynimo link which they sent me on my mobile. I explained them that local branch told me to wait for some days, but customer care executive said that ecs is not going to generate again. They told me to pay by net banking. I paid on same day; screenshot of sms is attached herewith. Again after icici bank messaged to maintain balance on 24th september so the amount of 15118 can be debited as ecs regenerated.

Now icici bank messaged me that your ecs has been returned due to insufficient balance. Already i paid ecs return charges to icici bank as well as to dhfl. Due to your miscommunication or whatever it is, am suffering a lot. Kindly waive off all the charges i have paid, as the amount of 14528 was in my account on 15th september 2018 on evening. Also i paid 14528+590= 15118/- through net banking. Then why ecs regenerated?

All the bank statements, sms screenshots, voice recordings with dhfl khopoli branch executive and customer care also i have saved.

Total charge paid till now with date as follows-

1) rs. 413/- deducted by icici bank on 18/09/18. (Ecs return charges of 15th sept.18)
2) rs. 15118/- (14528 + 590 ecs return charges) paid to dhfl on 20/09/18.
3) rs. 7.24/- deducted by icici bank on 25/09/18. (Ecs return charges).
4) rs. 13.99/- deducted by icici bank on 08/10/18. (Ecs return charges of 24th sept.18).
5) rs. 0.01/- deducted by icici bank on 11/10/18. (Ecs return charges of 24th sept.18)
6) rs. 457.98/- deducted by icici bank on 12/11/18. (Ecs return charges of 24th sept.18)

Total rs. 884.98/- deducted by icici bank & rs. 590/- deducted by dhfl.

Kindly do the needful as soon as possible to avoid any legal action against you.

Regards
Jitendra n. Kothari
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