L&t Financial Services — Fake bounce or ecs charges

Address:	15th floor,ps Srijan tech park,plot no 52,block dn,sector V,salt lake city,Colkatta ,700091,District-24 Parganas north,kolkatta
Website:	[email protected]

Took a personal loan from L&T finance and in my 2nd EMI, i have paid my EMI 3 days prior to the due date. Bounce charges of Rs
413 is applied for which the payment is done 3 days prior. When asked they are saying that due to insufficient fund on ECS date, bounce charges is applied. How can 1 expect that ECS will be submitted for the paid EMI. I have done it twice as well, why did they put charges this month too?PLEASE HELP.

apply bounce charges 4 times why ?
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Loan no-c[protected]