Kotak Mahindra Bank — Charging me overdue / late payment fee which is unethical

Address:	110020
Website:	www.kotak.com

Kotak mahindra bank is a fraud bank, cheater and i don't words to use it. Let me walk you through with the matter quickly:
Actually i've taken a loan from kotak mahindra bank ltd. Last year and emi used to get deducted on 10th of every month. Till the feb 16 emi was deducting from my salaried account as usual. One day i got a call, (Around 5 or 6th mar) from kotak mahindra bank ltd. Care stating that there is some problem or update is going on in our system as per the rbi guidelines, so your loan emi for mar and apr won't be deducted through ecs system. To get the due emi amount of mar and apr 16 we would need two cheques from you for the same and their executive came down to my office address and collected two cheques.
So for mar month, emi deducted from my account on 12th of mar as usual and problem occurred with apr 16 month emi.
So as usual, emi got deducted on 12th of apr also from my account and due to some fault, the deducted amount was rolled back on the same day to my account and i was under impression that emi has been deducted and was happy with my routine activities.
When i checked my account statement, i saw the reversal of this amount and called up kotak mahindra bank ltd. Customer care and stated the same matter and they gave me a complaint number (Request no: 1-[protected]). Until then, there was no follow up done by kotak mahindra bank ltd. And they were thinking that we got the opportunity to charge overdue/late payment fee on this customer and did not even thought to update me on this. When i called up, their customer care executive told that it had happened due to some fault at our end and you should not be charged overdue or late payment fee on this transaction. So i got another complaint number for the overdue reversal (Sr#:1-[protected]).
So i asked them what is the alternate approach to settle the emi of apr month because cheque which was given earlier has been used and can't be reused again for transaction. They told to hand over one more cheque and i did it and amount got settled.
But today they dropped me an email (As shown in the attacehd screen) saying that (Sr#:1-[protected]) they can't consider my reversal request and i've to pay the overdue charges as applicable. But as per my understanding why should i pay it because its not my fault. It was the fault with the system which caused this. If you see the attached screen of my account statement, it clearly says that amount was deducted on 12 apr and there was always sufficient amount in my account.
So its my humble request to all friends to share this post as much as you can to let the system know how banks are cheating with their customers even when its not customer's mistake.
Kotak mahindra bank ltd. Kotak mahindra bank, k. G margkotak atm (Connaught place) : you guys can't escape by simply saying that there was no fault at your end and gives you license to charge unnecessary amount on your customers when you very well know that it was a fault in your system which led to this issue.
Open you eyes and show some ethics!