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Levying undue charges as late fee

Complain ID : CCN016141   17  

Banks Complaint Complaint Date: February 24, 2016
  • State :  Delhi
  • City :  New Delhi
  • Address: H198A, First Floor, Savitri Nagar, Near Shiv Mandir, ND 110017
This is to bring to your notice that I had taken loan of INR 1 lakh from Kotak Mahindra Bank. Loan has been paid off completely last month however they have charged me for keeping insufficient funds in my bank account due to which ecs had failed two years back. I had already intimated back on time that i need to change the ECS from HSBC bank to HDFC bank as HSBC account does not exist anymore. All the formalities and forms were completed on time. However, they took more than 40 days to open ECS in my HDFC bank account because their official, Ms. Anshu Chopra did not know the process. I had to do several rounds of visits at Kotak Mahindra's branch because of their slow process. I had written several mails to them but noone ever responded. After two years when the loan is paid, they are calling up for the extra charges and forcing me to pay. I am attaching the mails that will give you a glimpse of the matter. Please help.

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