Mahindra Finance — unethical behaviour to collect emi

Address:

673305

Delayed to receive the loan amount. But they have presented cheque for repayment (Emi) on time. This type of activity is not good and it is cheating the customers.
I have availed a loan from mahindra finance. While taking the loan they have intimated me that the amount will transfer to bank account with 3 or 4 working days. But i have received the said loan amount into my bank account 7 days after as a result of continues followup. Unfortunately this month my emi amount was bounced for 1 day. This is cheating the customers. This is very now their recovery people calling me and i feel their style of approach is too bad.
I am ready to pay the amount in cash to any of their authorized collection executive but nobody is available. Then what can i do?