HDFC Car Loan
Asking for Late Payment charges when I applied for ECS

I am having a card loan from HDFC, which is running since last 3 years and I applied for Auto debit from my bank account using ECS facility.

Now a days I am getting calls from HDFC recovery agents, that I have some dues pending for my loan due to late payment of EMIs.

I am not able to understand this I am paying EMIs thru ECS, then how can be there late Payment. If Payment date is on 7th of every month and due to any reason 7 falls on holiday, then I should not be held responsible for delays. This is something bank should have taken care and they should debit amount before 7th.

This is rubbish.