Hi,
Two months back I tried to make payment thru HDFC Net banking and at the end of the transaction I got the message as Transaction failed. However my Account is debited for the amount and I am still following up with the Bank for refund. I was informed that even if the amount is credited, it will be on current date and I need to pay Rs.100 + Service Tax as Charges for refund. My contentions is I will not pay a single paise as charges since I was of no fault and the credit should happen on the day my account is debited, since I dont want to lose interest on the amount for these two months. Can I file complaint under Consumer Protection Act? if so, can I also claim damages?