Actually I took the personal loan of Rs- 40, 000/- from Citibank in the year of 2005 and was in agreement to re-pay the same in 48 EMI Rs- of 1282/- with ECS option with UTI bank as It was my salary savings account but in between I changed the working organisation and so My bank account become obsolete for me but still Citibank continued to present the ECS with the same bank and also used to collect the EMI of Rs-1282/- from me regularly and they have never informed me that my ECS is bouncing bank and they have continued to presenet the ECS almost for 3.5 years. Even in beteen I tried to shift the ECS to the current operating bank account but they have not proceeded my request.
Now they are aksing me to re-pay almost Rs-16, 000/- more which they are charging me against cheque return charges.
Pl sugget me what should I do.
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