kohinoor
TF Buzz
I had a car loan from BoB for which EMIs were supposed to end in Dec 2023, and they were auto-debited from my ICICI bank account. During the loan tenure they had increased the interest rate at some intervals. Some 3K differential interest was remaining even after Dec 2023 EMI deduction and I was unaware of it because neither the EMI amount increased nor they ever communicated me over text, nor the loan statement was emailed to me ever.
In Jan 2024 their system hit the ECS auto debit request for full EMI amount of 15K but for some reason my account had lower balance at that date. Did it again in Feb 2024. I was unaware all that while. They reached me over call then to clear the remaining balance otherwise it would hit my CIBIL even worse and that I had already paid 590 twice as ECI return charges. On the day of final clearance in March 2024 after lot of discussion and debate the BM asked me to drop a mail for refund of return charges (seems now it was just to pacify and take the money). But as expected no response received, nor I followed up.
So my concern is that whether there is any way to get those 1180 ECS return charges refunded as I was absolutely at no fault?
In Jan 2024 their system hit the ECS auto debit request for full EMI amount of 15K but for some reason my account had lower balance at that date. Did it again in Feb 2024. I was unaware all that while. They reached me over call then to clear the remaining balance otherwise it would hit my CIBIL even worse and that I had already paid 590 twice as ECI return charges. On the day of final clearance in March 2024 after lot of discussion and debate the BM asked me to drop a mail for refund of return charges (seems now it was just to pacify and take the money). But as expected no response received, nor I followed up.
So my concern is that whether there is any way to get those 1180 ECS return charges refunded as I was absolutely at no fault?
