Sir,
I have availed a personal loan from Barclays Finance, Faridabad Branch. My Loan A/C no is LC011911002903477. On 03 Aug 09 an ECS was presented to my bank for Rs. 3666 and the same was rejected due to lack of fund. After consulting me the bank has send an excecutive to collect the same amount. I have paid this amount vide ch no 430670 dt 07 aug 09 for Rs. 3666/- of HDFC bank to Offshoot Agenct Pvt Ltd (Receipt No 99428) on 07 Aug 09. The amount has been debited from my account on 12 Aug 09. Again The Bank has presented the ECS on 18 Aug 09 and an amount of Rs. 3, 666 has been debited from account. Now the bank is ready to pay me back the over charged EMI after deducting the bounce back charge.
My question is that now the bank has my money with them so that they could able to deduct the money. If it was not there how they are going to charge it. Offcource I know that one day I have to pay that amount.
Once the bank can charge me the bouncing cahrges why cant the bank pay me for double deduction of EMI. Why the bank has requested to me to pay the EMI by cheque once there is a provision of preseting the ECS second time. The bank has done it deliberatly to deduct their baouncing charges from me.
I need Rs. 3666/- plus a penaly of Rs. 500/- .
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