[Resolved]  ICICI Bank — Money deducted for Auto Debit request returned(ECS) without any prior notice

Address:

No.670 Cth High Road Pattabiram, Chennai, Tamil Nadu 600072

I forgot to maintain the actual amount for home loan ECS debit in my icici bank account last month(August) and i didn't get any message from bank related to this ECS request cancel or fine amount debited(rs590)...As per RBI guidelines icici bank has to send remainder message 1 day prior ECS that is not done. also this month i tried to maintain the ECS amount but due to frequent transactions i have done this month some 500rs shortage occurred and icici again debited (rs590) fine with out prior notice but i got message after the due date that "Your ECS request has been returned and concequitive fine amount will be debited" after that only i called customer care and they explaining that debited fine amount twill not be returned and suggeating me to maintain exact ECS amount...I agree fault was mine nut i[censored] intimated me on prior ECS date or even after debiting fine last month(August) i would have been much conscious this month(september). i requesting atleast this month fine amount refund bcz there is some mistake from bank side also on not sending proper prior notification.