srinivas7
New member
- Bank Name
- Union bank of India , Shri ram finance
- Customer Care Number
- 1800 103 4959
- Loss Amount
- 500
- Ratings
- Opposite Party Address
- Shriram Finance Limited,
14A, Sri towers, South Phase,
Industrial Estate, Guindy,
Chennai – 600 032, Tamil Nadu.
I have issue with my bank due to negative balance of some other loan apps , I paid loan amount on 4th august manually , auto debit is scheduled on 5th august , due to negative balance i have paid my loan amount manually before due date ,
then i requested shri ram finance that i paid loan before auto debit date but their system tried to debit emi on 5th , due to negative balance i requested them refund of negative charge in bank they said it is done by bank bank will charge as ecs bounce ,
And in call shriram finance manager said what happend you raised complaint i said sir due to personal bank issue i have paid manually then he said if you paid or unpaid auto debit will occur , and if not maintained bank will charge ecs bounce 472 and we will also charge 500 as bounce charge even if you paid before auto debit , shriram manager given reply solve any problem in bank and maintain balance auto debit happens , and closed issue
Gave complain in union bank of india and requested to remove mandate of auto debit and remove charge of 472 ruppees , then i myself cancelled all mandates in netbanking option that i dont want anyone to try debit , cancelled shriram finance as mandate , still bank accepting their debit request even after canclled mandates in netbanking and charged 472 ruppes as ecs bounce charge , bank replied ECS will not cancel by the branch. You have to approach to the concerned party who enabled the ECS mandate.
Both union bank pushing this on lender , shriram pushing this as we cant cancel this auto debit any problem solve with bank and maintain
now i given notice to bank why they provided option to cancel mandate of any auto nach mandate , what is the use even after cancelling
requested shriram that as per rbi , borrower has right to cancel and revoke ecs nach anytime on request , i requested i will pay manullly from now and remove nach mandate request or stop that request to bank and dont charge me bounce fee if i paid in time or before due date
then i requested shri ram finance that i paid loan before auto debit date but their system tried to debit emi on 5th , due to negative balance i requested them refund of negative charge in bank they said it is done by bank bank will charge as ecs bounce ,
And in call shriram finance manager said what happend you raised complaint i said sir due to personal bank issue i have paid manually then he said if you paid or unpaid auto debit will occur , and if not maintained bank will charge ecs bounce 472 and we will also charge 500 as bounce charge even if you paid before auto debit , shriram manager given reply solve any problem in bank and maintain balance auto debit happens , and closed issue
Gave complain in union bank of india and requested to remove mandate of auto debit and remove charge of 472 ruppees , then i myself cancelled all mandates in netbanking option that i dont want anyone to try debit , cancelled shriram finance as mandate , still bank accepting their debit request even after canclled mandates in netbanking and charged 472 ruppes as ecs bounce charge , bank replied ECS will not cancel by the branch. You have to approach to the concerned party who enabled the ECS mandate.
Both union bank pushing this on lender , shriram pushing this as we cant cancel this auto debit any problem solve with bank and maintain
now i given notice to bank why they provided option to cancel mandate of any auto nach mandate , what is the use even after cancelling
requested shriram that as per rbi , borrower has right to cancel and revoke ecs nach anytime on request , i requested i will pay manullly from now and remove nach mandate request or stop that request to bank and dont charge me bounce fee if i paid in time or before due date
