AXIS BANK LIMITED
Cheque Bouncing Charges: Personal Loan Account -PPR012600417390 (Once Again)

Myself Deepak Kumar (DOB - 08/01/1981, Loan – Rs. 1 Lac, EMI – Rs.

3516 per month) has taken personal loan from Axis Bank during Jan

and given duly filled ECS form along with blank cheques to the

satisfaction of your bank.

First EMI is debited to my SBI Bank Account on Feb 7… but the

next one is not debited to my account and hence I have to give cash

payment to your collection boy… I was surprised to see that “Cheque

Bouncing Charges” amounting Rs. 552 is debited to my account without

giving any intimation to me. It is worth to note here that I was

having sufficient balance in my SBI account for the clearance of the

EMI.

Annoying to that… I have contacted to your Delhi Loan Office

(Telephone No. 011-23240615), one of your executive who has attended

my call has clarified that as SBI has rejected ECS request that’s why

only Axis Bank levied this charges… then I have to visit to your delhi

personal loan branch and get the same waived off.

Again the same thing happen, my third EMI is again not even hitting to

my bank... and bank has debited "Bouncing Charges Rs. 552" to my

account. I have already made cash payment to your collection boy on

April 24 and April 27... vide payment slip no. 382745 and 382746

amounting Rs. 3500 and Rs. 16 respectively..

I am having few questions from Axis Bank:

1. Why you guys have not intimated/contacted me at the time of

rejection of ECS request by SBI? … Now-a-days wherever a single Rupee

is debited to credit card/ bank account, banks tends to intimate to

customers.. for the purpose of making customer aware… for the sake of

transparency…

2. Where I am at fault?.. I have given dually filled ECS form

along with blank cheques at the time of loan application… and based on

that only my loan get sanctioned. This problem is not from my end…

At last, I would request you guys to reverse cheque bouncing charged

to my account immediately and make arrangement for debit of EMI by way

of ECS to my account on due course.

The loan statement along with SBI Bank Statement is enclosed for your

information.

Rgds,

Deepak Kumar

91 8800573555

Company: AXIS BANK LIMITED
Country: India
State: Delhi

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