I am Saravanan.D my housing loan A/c no: [protected], I applied ECS on Jan `09 & I confirmed debit taken place for the month FEB `09 was only through ECS and & I request to send my two blank cheque back to me but not yet received till date. For the month of March`09 again the transaction was not take place through ECS, Before that cheque was sent to my ICICI Account and the money debited .so the premium was taken by you through cheque & ECS got bounce . And again Similarly thing happen in the month of April `09 also. Due to lack ( POOR ) of monitoring system. ECS got bounced (2 time & ECS bounce charge Rs.662/- was debited in my account ) I informed several time through phone & e-mail to return unnecessary debited from my account due to your lack of monitoring system . But still now no responsible from you side .