Kotak Mahindra Bank — unauthorized charges and not responding even for loan closure

I have taken personal loan from kotak mahindra bank ltd on febuaury 2016 my loan account no:- spln[protected]. I am facing lot of problem from the day i took the loan from kotak. My inital problem started from november 2016.
1. November 5th kotak bank have debited 10160/- where my emi amount was 15308. Remaining balance 5148/- was not clear. Later customer care people from chennai call up me and information that due to some issue. Ramaining balance was not cleared and asked me to pay it. I agreed to pay it. But kotak ppl said me pay to with cheque bounce charges and later payment interest. If the issue is from kotak bank side why should in pay the charges..?
2. December 2016 and january 2017 got cleared from my ing vyvsa salary account.
3. My salary account was changed to hdfc, to change the ecs from kotak account to new hdfc salary account. First i visited indiranagar bank from where i have taken the personal loan. But bank ppl informed me that personal loan department is changed to mg road branch. So i visited the mg bank. Customers help desk ppl informed me to give the request by phone banking. Also there informed me that ecs changing request can't taken in the mg bank.
4. On 25th january 2017 i have opened the request by phone banking request no:-1-[protected]. On 27th january 2017 i got email confirmed that your request is successful processed and closed. Based on this mail confirmation i have give request to close my kotak salary account on 3th february 2017.
5. From febuary 2017 to april 2018 ecs was not activated on hdfc. Where kotak ppl are dediting the ecs from ing vyvsa which was closed on febuary 2017. How can there sent ecs to closed account for more than 1year.?
6. Than kotak collection executive call will me for the emi payment and asked me to pay with cheques bounce charges and late payment charges. When these is no issue from my side. Why should i pay the other charges..? So i said then i pay only the emi, not the other charges. So there will collect only emi and go. No one sloved my issue.
7. I was follow uping with below mention person still december 2017. No one responded properly. So i have stop paying the emi then mr rakesh come and solved my problem by swapping the ecs to hdfc. But where he didn't waiver off my cheques bounce charges and late payment charges. As per he have promised me.
Pradeep reddy, suresh babu, srinivas pidaparthi, vipin tandon, rajeh pal, maharajan, lokesh, rakesh v, satish kumar, dhananjay, ravi h

8. As i didn't get any properly support from kotak ppl on wavier-off. Also i am unhappy customer of kotak bank. I have requested for loan closured on octerber 2018 still now no responed from kotak. Even after not paying 6 emi also. No one is ready to solve my issue.
9. Everyone will accept that is purely problem from kotak side. But no one is ready to solve my issue. I have all mail, call recording, whatup massage spoken by kotak execution. Also no one is ready to sent any offically email confirmation on it.
10. I am ready to pay my pending outstanding principal amount. But not the other charge i. E. Cheques bounce charges, late payment charges and other interest.

So i request rbi to look into it and help me to come out from this problem.