[Resolved]  Hyundai Santro Xing — demand of EMI in advance before receiving loan amount

dear sir,
My car loan a/c no. is CF-4306680, i have taken loan from your bank on my car (hyundai santro xing) in the month of january 2007 and i have recieved loan amount cheque in the month of january 2007 so i have to pay ur EMI from month of january 2007 .i.e. rs 7772/- every month by ECS transfer from our Bank (BANK OF BARODA-MALABAR HILL BRANCH) but one o[censored]r female excecutiv has demanded for EMI for the month of dec 2006 as she was saying that your loan was disbursed in the month of december 2006 but i have recieved a loan amount cheque in the month of january 2007 and i deposited in my bank in the month of january 2007 . But your female executive demanded EMI from me for the month of december 2006 and thereafter i have recieved more than 10 telephone calls demanding EMI for the month of december 2006. instead of paying all my EMI's regularly till date i have been recieveing calls from ur company. One o[censored]r EMI of rs 7772/- for the month of august 2007 was dishonoured unfortunately and i have paid dishonoured charges of rs 500/- making total of rs 8272/- . I have paid to the executive personally during his personal visit to us by cash and receipt of which is given by him and acknowledgement from ur bank is also recieved. But one o[censored]r executive MR. PRADEEP has ruthlessly demanded for EMI for the month of august 2007 saying that ur rs 8272/- is adjusted against ur outstanding EMI for the month of december 2006 and still demanding EMI for the month of august 2007.
IS THERE ANY BANK CHARGING EMI FOR THE LOAN AMOUNT WHICH I HAVE NOT RECIEVED IN THE MONTH OF DECEMBER 2006 . AS PER THE RULES I HAVE TO PAY MY EMI AFTER RECIEVEING THE LOAN AMOUNT FROM YOU ????? WE THE CUSTOMERS ARE NOT CONCERNED WITH THE DISBURSEMENT OF LOAN AMOUNT AS PER YOUR RECORD. WE HAVE TO START PAYING EMI AFTER RECIEVING LOAN AMOUNT CHEQUES.
KINDLY PAY ATTENTION TO MY REQUEST AND REPLY TO ME IMMEDIATELY.