I have taken home loan from AXIS Bank in Nov and have provided 36 PDCs of ICICI Bank. For the month of February I got message from ICICI Bank that my cheque has been bounced due to insufficient funds. I have provided AXIS Bank my bank account details that at the time of submission of the cheque there was more than enough amount due against EMI.
I have also asked both the Banks (AXIS & ICICI) to provide me copy of bounced cheque but none of them has provided me that. Instead I am getting calls from AXIS bank executives again and again for payment of Feb month EMI and everytime I have to told them that I need copy of my bounced cheque.
What should I do now? Should I file a case against both banks?
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