HDB Financial Services — commercial vehicle loan

Address:

Ernakulam, Kerala, 683562

Loan account number is:3971686
I have given a cheque of 386248 to close my account, my account got debited on 25/09/2018 but my account is closed only by 05/10/2018, in between the emi date has came and the cheque got bounced saying insufficient amount and also i got charged 880 rupees by your branch and 118 by my bank, also it got reflected in my credit score. I wish to know the reason for submitting cheque for a closed account and also 17262 charged as penalty. I want 17262+880 which is charged extra in my account..