I L Suresh Kumar, have taken home loan from ICICI home finance of coimbatore Branch on protected Mar protected. At the time of sanction they issued three cheques and balance amount credited in my account. One cheque bearing machine No protected dated protected Mar protected for Rs protected/- in favour of Capital FIrst Account. The same cheque was deposited with concerned financial institution on protected Apr protected. On protected Apr protected, they returned the cheque with small changes (in favour of IDFC instead of Capital First). On protected Apr protected, I handed over the cheque to Mr Shine Kumar, Incharge of My Loan for re-issue of cheque. But ICICI issued cheque on protected May protected instead of repeated requests and reminders on the subject. At that time my 2 EMI lapsed due to not submitted the cheque (Rs protected - protectedx2) in time. Once I asked Mr Shine Kumar regarding the EMI lapse, he replied that your 2 EMI payment to be credited in your account on protected Jun protected. Now, they totally refused and not give suitable reply from the Bank. Then, I was asked customer care of ICICI Bank regarding the matter, they not gave the positive response. My question is, once our EMI was delayed by one day, they immediately issued penalty and reflect the same with cibil. Once the ICICI Bank done the same mistake RBI is authorised in India to ask explanation from bank. Therefore, you are requested to ask reason, why delay has been happened for issue of cheque for more than protected days by ICICI Bank and where the lapse occurred and who will bear the loss of my amount of Rs protected/-. I hope the positive response from you.