L And T Finance — wrong fine charges

Address:

Ahmednagar, Maharashtra, 413709

Hello l and t finance,

My loan agreement no is 3258744.
I have took loan of rs 44000 from l & t finance for my 2 wheeler. It had 6 emis. I have paid all 6 emis.
When i asked for noc, i was told that there is outstanding of rs 723 in my loan account.
Out which for 350 (Fine for last emi ecs transaction failure) i have no issue and i m ready to pay it. But remaining 373 rs have been charged without any reason from me.
I have given pdc and my account was funded prior to due date. But cheque bounce charges of rs 350+23 have been charged from l & t.
If my cheque was bounced actually then cheque bounce charges would have also been debited from my sbi account;
But this has not happened.
I have also asked for the cheque bounce memo, but there is no reply from anyone of the grievances redressal email ids.
I have relevant proofs. It appears that l and t don't even bother about consumer complaints and interested only in taking benefits from customer needs.