[Resolved]  Bajaj Finserv — loan late charges

Address:

Howrah, West Bengal, 711106

Respected sir,
I, Virender Choudhary, from Kolkata took a loan from Bajaj Finserv vide loan number 410PSB17692337.
I used to make automated payment through my SBI account but I closed my account in October 2016 and since then I am making payment through NEFT. Although the due date for my payment is 2nd of every month but I make the payment around 4-5 days before the due date for sure but still I am being charged late fine and cheque bounce charges, and after a lot of calls n complaints to the bank, one of the executive said me its being charged because between 25th to 31st of every month it is their presentation period and so they don't accept any payment in that period. What kind of rule is this and there is nothing as such mentioned in the agreement while taking the loan.
When my due date is 2nd and I am making the payment before it then why will I pay late charges. What is it to do with me whether the bank is having a presentation period or its sleeping in the end of the month and they wont accept my payment, . This is hampering my CIBIL score and they are too stubborn and clearly denying to take any action and when I called them today then they said that they won't charge this now onward ... How come they are ready to change their rule and policy now. I have also the recording of the conversation with the customer care executive.
I request you to take some strict action against such thug system and rule. This is my hard earned money and despite making the payments on time I should not be charged such late(fraud) fee.
Expecting a postiive reply from your end before i make my move to consumer complaint court.
Thank You,
Virender Choudhary