Bajaj Finserv — Bajaj finance is still taking money from account even after settlement

I had purchased a TV and refrigerator set through bajaj finserv in 0% intrest scheme ***************** LOAN NO 4150CD00042405 and 4150CD00042402. Although I have cleared everything by 2012 December for the amount they proposed, Bajaj was still taking ECS debit return charges from account until 2014 October. In October 2014, we walked in to Bajaj office at Cochin and after a lot of arguments, they finally settled our amount and gave us receipt that says the loans are closed (status) and settled (in separate sheet). Due to this I have never used my bank account which is linked to EMI for depositing purpose. After settlement, I was relieved and started using my a/c slowly. I had 1000Rs as balance until March 27th and on March 28th 2015, the remaining 1074 Rs was taken by ECS (28-Mar[protected]Mar-2015) ECS DEBIT RETURN CHA 1, 074.00). So what was the point in giving a settlement receipt. I want my money back. I entered into this kind of cheating venture by seeing 0% finance. Now from 2012 dec.- 2014 October, at least 5000 Rs were taken by Bajaj. Now again 1074. This is really cheating. As i suspected all the cheques came to my bank and get bounced again even after settlement.I think my account is still active and it is sent to CIBIL.I have all the receipts in my hand. I feel very sorry for my self for taking a loan by seeing 0% interest. please tell me how to get rid of this problem from my head and get out of the CIBIL problems. If I don't have a solution within one month, I am going to file a complaint in consumer court.