UNCLAIMED ECS RETURN CHARGES DEBITED ON MY ACCOUNT

Location/place: NASHIK

Name of company/service: STATE BANK OF INDIA

I TOOK CONSUMER LOAN FROM FEATURE CAPITAL (BIG BAZAR)ON ZERO (0%)RATE OF INTEREST, & I GAVE THEM REPAYMENT AUTHORITY BY ECS,
I HAVE MY ACCOUNT IN STATE BANK OF INDIA, CIDCO BRANCH, NASHIK-422009.& MY ECS DATE IS 5TH (FIFTH)OF EVERY MONTH, BUT WHAT HAPPENING FROM FIRST MONTH ECS HAS BEEN NOT DEDUCTED FROM MY ACCOUNT.SO I CALLED TO REPRESENTATIVE OF FEATURE CAPITAL & TOLD STORY. & GAVE THEM CASH PAYMENT & TOOK RECEIPT & ALSO TOLD TO SOLVE THIS PROBLEM BECAUSE, I WANT TO AVOID TO LATE CHARGES MAY BE CLAIM BY FEATURE CAPITAL, THEY TOLD ME YOUR MANDATE HAS BEEN NOT RECEIVED FROM YOUR BANK.
ANOTHER SIDE OF THE PROBLEM IN SECOND MONTH SAME THINGS HAS DONE, & FROM THIRD MONTH I & REPRESENTATIVE OF FEATURE CAPITAL WE DECIDED TO PAY CASH & TAKE RECEIPT, & I HAVE BEEN DOING SAME BUT HERE EVERY MONTH OF FIFTH & SECOND HALF OF MONTH WHATEVER THEIR DATE OF ECS DATE OF ECS STATE BANK OF INDIA HAS BEEN DEDUCTED ECS BOUNCE CHARGES, I HAVE GAVE THEM RETURN COMPLAIN AGAINST IT ,BUT THEY TOLD ME IT NOT OUR FAULT & FACTS IS THAT IN MY ACCOUNT INFORMATION THEY HAVE NOT FILL COMPLETELY. THEY DON’T KNOW FROM WHOM I TOOK LOAN ONLY THEY KNOW DEBIT BOUNCE CHARGES IF HAVE COMPLETE THEIR DUTY THEN FROM FIRST MONTH THE PROBLEM HAS NOT OCCURRED & I DIDN’T GET PENALTY IN THE FORM OF ECS DEBIT CHARGES & NOW MY BANK STATEMENT SHOWS ME AS I AM ECS DEFAULTER