IDBI Bank — Mishandling of a cheque

I have a housing loan from Idbi bank and started paying PreEmi.
During the change from PreEMI to actual EMI the collection dept under Mr. Ingole mishandled my cheque. This lead to outstanding due for my account. I requested for a letter stating the mishandling of the cheque but the bank is refusing to do so. The collection dept is talking very rudely with me.
I have no objection in paying the due amount but at only 1 condition to give me a letter stating the issue.
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same thing was happened to me in early days of pre emi this year. If your check is bounce then there are laws you have to pay bounce charges. Then I want to know how to handle this situation?
I have some other issues also since my loan is one year old customer. I will post it in other thread.

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