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GTO not sure why ECS is not recommended as I have been using since 2-3 years now & never faced any issue or may be I was Lucky
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There are some members who have a good experience with ECS. Buttttttttttt a majority of complaints received have been against the ECS. Lack of co-ordination between bank departments (debit has been done, but calls for payment), insufficient fund penalty charges (even though balance was there) and so on.
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1) What exactly is a finance discount ?
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A discount out of the interest earnings of the finance company.