prem2311
TF Select
Hi all,
I missed my ECS for the Hdfc loan on the Hdfc account. My mistake. I thought it had sufficient balance, But it didn't.
But, Right away I paid manually through pay outstanding EMI and Charges in the loan section and it was right away shown in my loan section as paid and I don't see any overdue amount or overdue payment. While paying it asks me to pay two EMI and some 500rs as CBC charges. I paid all.
Actually, before knowing this option for manual payment, I called customer care and explained my situation and asked them to pay the option for manual payment, But they completely denied there was no option and that it was my mistake to maintain the balance one day before.
I fight with them like if you are arguing with norms then now I have balance and I have time till tonight and I need to mode to pay the due. But they keep on saying the same like bot.
They even didn't know there was a manual payment option present in net banking.
Then I went through all the options in net banking and found out this option and I paid two dues and CBC.
Then again I called customer service to verify the transaction and it was paid to the loan account. He verified and asked me why I paid manually it will automatically post ECS tomorrow.
Then I asked, if so it will report Cibil as one day late payment know. He replied still, it was reported to Cibil as a bounce.
I was shocked and asked him if I paid on the due date and had no due amount how you will report this as a bounce?
He replied that it would not report as overdue days or overdue amounts. It will reported as a bounce because u have missed the ECS. I asked again and replied the same. I hung up.
I wrote an email to Email us option and mentioned that I missed ECS but I paid due on time. So I don't want to report this as a bounce. It was raised and replied will get back in one working day.
So I just want to know how it will be reported as bounce? Because there is no bounce section in cibil!
I missed my ECS for the Hdfc loan on the Hdfc account. My mistake. I thought it had sufficient balance, But it didn't.
But, Right away I paid manually through pay outstanding EMI and Charges in the loan section and it was right away shown in my loan section as paid and I don't see any overdue amount or overdue payment. While paying it asks me to pay two EMI and some 500rs as CBC charges. I paid all.
Actually, before knowing this option for manual payment, I called customer care and explained my situation and asked them to pay the option for manual payment, But they completely denied there was no option and that it was my mistake to maintain the balance one day before.
I fight with them like if you are arguing with norms then now I have balance and I have time till tonight and I need to mode to pay the due. But they keep on saying the same like bot.
They even didn't know there was a manual payment option present in net banking.
Then I went through all the options in net banking and found out this option and I paid two dues and CBC.
Then again I called customer service to verify the transaction and it was paid to the loan account. He verified and asked me why I paid manually it will automatically post ECS tomorrow.
Then I asked, if so it will report Cibil as one day late payment know. He replied still, it was reported to Cibil as a bounce.
I was shocked and asked him if I paid on the due date and had no due amount how you will report this as a bounce?
He replied that it would not report as overdue days or overdue amounts. It will reported as a bounce because u have missed the ECS. I asked again and replied the same. I hung up.
I wrote an email to Email us option and mentioned that I missed ECS but I paid due on time. So I don't want to report this as a bounce. It was raised and replied will get back in one working day.
So I just want to know how it will be reported as bounce? Because there is no bounce section in cibil!
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