Bajaj Finserv — Emi, recovery from my bank account - being fined for no fault of mine.

Address:

520003

I bought an AC in the month of Oct' 16 and my EmI is 4150/- for eight months. Last month that is in may 17 the EMI was not recovered and the bajajfin rep. Came and collected the money from me. I submitted to him my bank statement showing that there was balance in account and why the amount was not recovered. Now again the amount is not recovered from my account. I realized that and called the bajajfin office on the 6th of this month and asked them to come and collect the installment. Nobody responded. Now I am out of station and the rep.is Calling for the money. I am really pained by these things. I am not a defaulter and no fault of mine I am being penalised and have to undergo stress. My bank SBI says the cheque was not presented. You should check what is technically wrong and not put us to such stress and hurt. The EMi card is blocked, such a insult, for no fault of mine. I just want to stop all my dealings with bajajfin.why shouldn't I take up with consumer court as I have proof of balance in the bank and I am not a defaulter.