I deposit the EMI directly to the car loan account via NEFT from SBI Savings account. Despite this, the manager is trigerring auto debits on my BOI Savings Account manually that are failing due to insufficient funds as I don't maintain significant amount in that account. The ECS failure charges of Rs 295 were getting charged to the savings account up until now. Now, the manager is charging my car loan account Rs.295 per instance of ECS Failure instead of the savings account for ECS Failure Charges. As per my understanding this shouldn't happen. ECS failure charges are supposed to be debited from the savings account from which auto debit is supposed to happen.