Dear Concenr,
I have an Saving account with HDFC Bank and i have taken a personal loan from HDFC bank of Rs. 196000/- in April My first installment was due on June i have cleared all the installment of rs 7936, till now. i have completed 21st installment in the month of Feb.
But my installment of Rs. 7936 was bounced due to 3rd Party Cash payment other then home branch,
i was charged 111 Rs. from my account which i was not aware about and i was never communicated about this charges would be applicable to my account. As a part of Rs. 7936-111=7825 was debited from my account and for an amount of rs. 111 my SI has got bounced. now the bank is asking me for a payment of rs. 400 Cheque bounce charges and 111 due for installment which is due for feb (How come it is possible if i have submitted a standing insturction of rs7936 and they have debited amount of Rs. 7825? because they can't debit amount Less or not more then actual Standing instruction was given for? correct me if i am wrong.
I have told them, i will not be making any payment of Rs. 400 for CQB, i am ready for making due payment towards 111 installment of Feb. if you giving me reversal of Rs. 400 for CQB.
or else i would not be making any further payment which is due till this issuge get resloved.
Kindly suggest me what to do?
Regards,
Amit Goswami
9909025900
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