Punjab National Bank Housing Finance [Pnbhfl] — Unnecessary Charging Bounce Charges on House Loan EMI

Address:

banjara hills, Hyderabad

Dear Team,

I have taken an house loan from PNBHFL on April 2022. Initially I have provided 7 cheques from HDFC bank.

1.First EMI month cheque was rejected by HDFC bank, saying Signature Mismatch(Even though I have given the correct signature only), then PNBHFL has added bounce charges(880/-) in my EMI amount. So I thought it was my mistake and I have paid that amount too by online.

2.In the meanwhile ECS is not activated, so I thought in the June month also my cheque going to reject, so I called to customer care service and got the cheque number which is to be presented to HDFC bank for June month EMI and I stopped from my bank end and paid the EMI amount before the time only to PNBHFL.

3.So I thought it wont work out this way, I went to HDFC bank and updated the signature and came to PNBHFL and again given the updated signature cheques and requested them to please use these cheques only, so that it wont get rejected again in the future.

4. Now in the July month I got a message from PNBHFL saying again the cheque got rejected. When I called to customer service, I got to know that still they have submitted the old cheques only instead of new cheques, when I was tried to pay the money online, I got to see two bounce charges,

One is for June month, which I forcefully stopped the cheque and
second is for they presented the old cheque instead of new Cheque. I dont understand, because of your mistake only you are charging unnecessary bouncing charges to the loyal customers.

Questions:
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1.Why are you charging me if I stop the Cheque from my end and paid the amount before to the EMI date also?

2.Why did you submitted the old cheques and added a bounce charges?

3.Why is there so much delay in activating the ECS.

4.Why you guys are not responsible to the innocent loyal customers.

5.We are coming upfront and ready to pay the EMI amount on time. But Why you guys are adding unnecessary bounce charges? You guys are not worry about the big shots who took the loan from your bank and escape the country but you guys are more bother about the job holders who pay the taxes and pay the regular EMI's without miss.

Please answer my questions and discard/refund me the bounce charges, As I am writing this content at midnight at 12:11 AM, See how much I frustrated with your services.

I request you to please answer to the customers and dont add any charges like this, it would be a big burden to the common people. You are adding the bounce charges, you think its our mistake. But will you pay any penalty if there is a mistake from your end. Justice should be same for bankers and customers.

Here is my account number and mobile number:
REF/HOU/HYD/0322/970619
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Prasad Gundawar