I have a home loan with IDBI Bank. I was paying pre EMI and I was not intimated by the bank for the normal EMI to be started. Bank was in hold of one of my cheque for pre EMI for which the amount was lesser than the actual EMI. They submitted my cheque having special instruction on it stating the amount should not exceeded to specific amount. This lead my HDFC bank to return the cheque. I requested Mr. Ingole from collection dept. of IDBI bank to stop the cheque payment and return me the cheque avoiding any further issues. But the cheque was re-sent the second time and I was charged fine for the cheque bounce. I am ready to pay the amount due with one condition to get a letter from IDBI bank for negligence with my request and removal of my name from defaulters list for loan. Bank is not ready to give me the letter and has also left my name as defaulter.
I am very much upset due to such negligence of the Bank service.
My name is still present as defaulter which lead to rejection of my other loans. These has already brought a mental torture due to such bad service from the Bank. Please guide me for the same.
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