Hi, I have a loan with LIC Housing Finance Limited. I have given an ECS request to debit the EMI on 14th of every month. The EMI was coming on 15th of every month and the amount was getting deducted without any problem as I used to keep the amount from 13th end of day. This month, to my surprise, the EMI came on 12th morning itself and got returned as there was no money when it came. However, I put the money in the afternoon on 12th and found in the evening that I had been charged Rs. 276 as ECS return charges. When I spoke to ICICI, I... read full review »