[Resolved]  Home Loan — EMI BEFORE PRE EMI

We had applied for housing loan in HDFC bank on 18th November 2009 and was approved on 30th November 2009 for Rs. 3000000/- which we had asked for. After that bank had disbursed the amount of Rs. 2618415/- by cheque(dated 2nd December 2009) to UNITECH. Now at a time of submitting all documents, pre emi & emi cheque on 01st December 2009, we were told pre EMI amount of Rs.17217/- and for which we had given a cheque (no. 675250 dated 26th December 2009), which was a first amount payable to bank from our side, and after that emi of Rs. 21902/- from 15TH January 2010. We were also told that you will receive repayment schedule within a week time to your address. At that time we had submited cheques as stated below
Pre EMI amount - Rs. 17217/- cheque no - 675250 dated 26th december 2009
6 X EMI amount for January - June 2010 Rs.21902/- from Rashmi KApadia's bank account
6 X EMI amount for July - December 2010 Rs.21902/- from Mitesh KApadia's abnk account.
Now after all this HDFC bank has sent a cheque of Rs. 21902/-(which is not even pre EMI amount) to my bank on 4th December (we have not given any cheque for stated date to HDFC bank) on that day probably disbursed amount was also not cleared to my builder (UNITECH).and due to mistake in date my bank had dishonored the cheque, After conveying this error to sector 14, Gurgaon Branch (Mr. Pranay Sharma) they told us that due to some mistake FROM THERE SIDE they have sent November 2010 EMI cheque of Rs.21902/- dated 15th November 2010 to my bank for clearance. Which is little difficult to understand, and said that we will send you an apology latter for the same to you at earliest. But up till now on 7TH January 2010 neither we have received any apology latter nor any feedback from the bank. Instead of receiving apology latter from bank we have received one payment due and penalty latter for the above amount and stated that payment was dishonored due to insufficient balance, which is completely wrong, because cheque was dishonored due to mistake in date, which is completely not acceptable.
How come even any EMI payment will be payable before even disbursement?
How come EMI will be payable before pre EMI?
And how come bank sent a cheque for clearance whenever bank wants?

And now we are keep on calling HDFC staff but no one is giving either solution nor any way to solve this problem.....
because this mistake spiled my loan record reputation....