Bajaj Finserv — paid emi amount adjusted towards the penal charges and now asking to pay emi

The amount of rs 17129 that i paid was emi payment for the month of october 2019. The same has wrongly been appropriated against the penal outstanding amount the same was done without my knowledge and of bajaj finserv own accord.

Additionally, the penal charges levied on my loan amount is wholly wrong and grossly incorrect. The pdc is regularly been presented to my old account since 2016 despite of the fact that the account stand closed and the bank was duly informed of the status through your various agents. I am regular in making the emi payment and is making month on month emi payment. I am surprised to see that despite of the bank having knowledge of the account closure, the pdc are still being presented and the penal amount is being levied on my loan account. The same is not only inappropriate but is gross negligence on bank's part. I should not be penalized for the same.