Mahindra Finance — Over charging

Hi sir I Rakesh SO Bahadur Singh.
I have taken care loan from mahindra finance with loan number 10316750.
Loan agreement date 26 sept 2024 .
First EMI was on 10 oct 2024 which paid by bank transfer digital mode as auto mandate was rejected.
In November month EMI paid (twice) by bank transfer and also deducted by local cheque presented by Mahindra finance team.
For which contacted nearby office where they suggest me to adjustment of extra paid EMI on behalf of EMI of December month for that I gave a Application to the Hindaun City branch which was forwarded to karauli branch office.

But in month of December they presented cheque to the bank which causes a penalty of Rs 590 because of insufficient funds in account.( That was because of fault of mahindra finance employees).
Regarding this I raised a complaint on toll free service of mahindra finance with service request number is CAS[protected]H5R0H1 .
But at the end no positive response given to me .
Further I contacted many time my relationship manager and mahindra finance branch but no one is responsible me positively.
Now I want my deducted money back as refund or waived off in my next EMI amount because it implied by fault of mahindra finance employees.
Also all penalties applied by Mahindra finance also must be waived off.
So please have a look on it and resolve it as soon as possible.