[Resolved]  HDFC Bank — hdfc bank ach debit return charges

I have got a salary account in hdfc bank and signed up for ecs for my car loan emi’s from sbi bank. Everything was going fine until i took deferment on my car loan in sbi due to covid situation. But due to some glitch (As communicated by sbi), they tried to do ecs for the month of june. And due to low balance the money couldn’t go through. And after 10 days, i saw this ach debit return charges in my statement. Also i’ve been trying to reach out to inform about deferment well in advance but not able to get through any phone banking officer. And now even when these charges have been imposed, i’m still trying to cal them about this but still the call drops after i select 9 on ivr to speak to a phone banking officer. Need this to solve urgently. And need guidance on how to get these charges back. Please assist. Have been waiting on this for a month now.