Sir, As you are also aware that I got financed one Bike through you in March, 2008 amounting Rs.39000/- and the same were payable in 24 equal instalement @ Rs.1973/- per month through ECS from my salary a/c which I am maintaining in HDFC Bank Ltd, 5R-NIT Faridabad -121001, and first instalement was due on 15.04.2008 but due to some recovery system problem at your end you have not encashed ECS from my a/c for April, 2008, May, 2008, June, 2008, july, 2008 in this connection please note that amount for encashement of your ECS was available in my above salary a/c on monthly basis which can be verified from my Bank Statement also and on your request we have paid three months instalement in cash on 08.07.2008 vide you money reciept no-[protected] and fourth instalement paid in cash on 11.12.2008 vide your money receipt no-[protected] and since fifth instalement you are collecting through ECS on monthly basis, but I surprise to not that you have debited late payment charges to my loan a/c for first four instalment which is not practicable as late realisation of four instalement in the bigining took place because of your recovery system problem, that is not my fault . so you are requested to please reverse the same under intimation to you Regards, Sanjeev Yadav [protected]