Hi,
My name is Saurabh Saxena. I have taken a personal loan from ICICI bank. ECS date is 5th of each month.
My concern is that my salary gets credited in my account around 15th of each month. So almost each and every month I pay Rs. 225/- as penalty. I have requested the bank to change the ECS date from 5th to 15th many times but no positive result comes from that side.
Sometimes i get threats from banks for not to pay the installment at the right time. I pay my installment each & every month but with penalty. Now i have come to know from the bank that if ECS is bounced then interest on daily basis will be applied with Rs. 225/ penalty extra.
As i am living hand-to-mouth for last one year due to recession so i am not capable to pay these extras. I am always ready to pay my EMI honestly. I dont want any phone calls threat calls from bank side.
Please help me out... what should i do??
Regards
Saurabh Saxena
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