Punjab National Bank Housing Finance [Pnbhfl] — Ecs recurring payment issues - no proper response

Address:	Chennai, Tamil Nadu, 600014
Website:	www.pnbhousing.com

With reference to Housing Loan Account No. HOU/CHE/0715/229692, I am hereby raising a complaint on the same.

1. During Loan processing, I have registered for ECS (Debit Clearing)/Direct Debit and have requested housing Loan EMI payment to be processed directly from my ICICI NRO Account. But received a notification letter stating that Post Dated Cheques (PDCs) have been exhausted and additional cheques are required (please see attached notification letter). ECS has been completed ONLY for the first month (August) but for consecutive months (September & October, November), EMI payments have been processed with the provided cheques (which should have not been ideally). I have not been provided the actual reason why ECS payments has been rejected till date.

2. For an NRI customer, hard copy has been sent to the local address where no one is present. No email notification sent to me till date on the ECS payment issue and reason for rejection.

3. There are delayed email responses. Follow-up emails have been sent to [protected]@pnbhfl.com on the above issue from Oct 29th but received an update only on Nov 7th that too, after making several calls to Chennai Customer Service Manager (Lavanya) and discussing on the same. Completely exhausted with the same.

4. As per discussion with Chennai Customer Service Manager (Lavanya), made on NEFT payment to PNBHFL Acc No. [protected] for November month EMI of INR 25, 718 on Nov 7th and notified by email on the same day. Despite that, November month EMI has been deducted from my account via Cheque No, 235012 on Nov 10th. This is completely unacceptable and lead way to higher degree of dissatisfaction.

Request you to sort out these issues and adjust the NEFT payment made to compensate the December month and provide me a confirmation update at the earliest.

If these issues are unresolved and if I do not get a timely update on the progress, I would like to transfer the housing loan to a trustable bank. I am sorry to say this.

Thanks for understanding.