I am vishal Pingale have one used car loan with HDFC bank Loan no 24074165, with ECS dated on 05th of every month. In the month of Nov 2014 had public holiday on 04th and 06th Nov Bank posted my ECS on date 07th without informing me for late ECS, I had sufficient balance till 06 Nov as if know my ECS date is 05th of every month. Due to late ECS its gets bounce and bank charged for 1450 Rs along with cibil score affect. As there is no holiday on agreed ECS date 05th nov 2014 how can bank post late ECS without notifying me. I communicated bank with complaint no ‘HBL=027-370-497’ Fwd: late ECS” but they are not ready to for waiver of charged amount. *What are rules for ECS and for late ECS ( due to bank holiday ) *If bank post late ECS they must informed customer ? *If bank do not post ECS on agreed date and if charged customer for insufficient balance , will this amount be refund. Above case under which category of consumer and advise where I can get legal assistance on above.

Want to be refund total amount for late fee * Cibil score need to be corrected accordingly.

Email Id: pinglevishal@gmail.