HDFC Bank — hdfc bank ach debit return charges in covid 19 crisis

I had loan in kotaq mahindra bank, but emi is debit in hdfc bank. During covid times, i opted for moratorium in kotaq bank. Due to lack of manpower in kotaq bank, my loan moratorium is not approved on time. They presented emi for 3 times in month (April 1 time, june-july-august 3 time each) total of 10 times.. Hdfc bank charged rs.5900 (590 each) as ach debit return charges. When i enquired about in kotaq, they told due to unfavour covid situation (Lack of manpower) they didnt process moratorium on time & they promise waiver of return charges if it is occur in kotaq bank loan.. Kotaq bank ask me to approach hdfc bank for all ach debit return charges. But, hdfc bank officials refused to accept this complaints.

Finance ministry & rbi clearly explained that due to covid (Rare unfavoured condition) ask all banking sector to give emi moratorium if customer willing.. Even though i applied emi moratorium multiple times on time, my emi moratorium is not approved on time & they presented ecs multiple times in a month & they charged return charges for every time..

This covid situation is unpredicted one & everyone suffered a lot. Many people is in economic depression. Bank officials (Like hdfc) should not charge like this & not suppress us again.. I dont know how finance ministry & rbi resolve this issues.. I hope many of you experience same.. I request rbi to solve this issue.. Please clarify my problem.. Thanking you