You have got it completely wrong. I think you don't even know the basics of ECS. ECS can and will always hit before the due date, if the due date happens to be a holiday ( like sunday or festival holidays ). There is no proper time limit for ECS , because the bank can send the ECS to your bank any time after the due date. Comming to the agents, they will never call you for a single cheque bounce, they get cases which are basically beyond the recovering capabilities from the banks, and which needs exclisive focus.,
