HDFC Bank
Unnecessary Charges

HI,

I had a personal load of Rs 60, 000 only from HDFC bank at 22% ROI. I always paid my EMI through cheque which never got bounced during my repayment time. But now when my load has already been finished, The executive from HDFC bank calls me up to inform that

my ECS were getting bounced from last three yrs and bank is charging me ECS bouncing penalty fee of Rs 450 pm and I have to pay 14000 odd rs to bank.

However, I never applied to any ECS, I always paid my EMI through cheque or cash only. The only account number I mentioned in form while applying for loan was my saving salary account number at that time. I also had changed my comp to the very next month of loan approval.

Even if I had mentioned any bank account number in my form then too shouldn't this was bank responsibility to inform me that my ECS is getting bounced or charged me for that immediately.

They are informing this to me only now when my loan is already over.

need your help in solving this issue.

Thanks

Shantanu

Loan Account No: 13806217