[Resolved]  Tata Motors Finance — Car Loan not given still debit's EMI

Dear Sir,
We had bought a car (Ford Ikon Flair, Mfg-2007) from a person who had bought the car through HDFC car loan, To update the RC book in our name as owner we had to clear the HDFC loan as the car was hypotheticated. We submitted the documents through the agent of Tata Finanace who inspected our car. we signed all the papers and gave them the blank cheques' as per their procedure. we canceled the loan because the interest rate was working out to be too high .
we got all the documents except for the cheques' and signed documents. We issued stop payment instruction to the banks. in the meanwhile our a/c was already debited by Rs.9355.00 & every month
ECS- request is made further debiting Rs.225.00 as stopage charges. all this without any loan given to our account.
Plz. suggest what to be done & whom to be approached.