Unfair business practise indusind bank - ecs incorrect date

Hello All,


I'd like to express my greivence with regards to unfair business practice by Indusind Bank.


I've recently availed a 2 wheeler loan from Indusind Bank and received communications from them stating the ECS/EMI due date would be the 21st of every month which would ideally start from 21st Oct 2017.


The amount wasn't deducted from my account on Oct 21st, I had sufficient funds in my account on Oct 21, 2017.


Later without any communication or notification, they've presented it on Nov 8 2017 where I had insufficient funds on that day.


Due to this, I was charged for ECS bounce by my bank and now getting calls everyday from IndusInd Collections for payment and they're also charging me additional charges.


What are my option in this case, can I pursue a legal step and how?





Additionally I'm trying to apply for a Home Loan and I'm sure this would effect my CIBIL score and I may not get the home loan.


Please help.






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