Mobikwik — Mobikwik and dmi finance is cheating

Address:

Good earth business bay, #601- 6th floor, sector -58, gurgaon, 122101

I am a senior citizen and I took a loan from DMIFINANCE. LOAN ACCOUNT number- DMI[protected] . They asked me to pay the loan manually . I.e they used to send me a link in mail and I used to make payment through the link. I was doing this for last 4 months. Now on September 5th I again paid the amount as usual and they had also shown me in their record that the payment was done . Now on 20th of September they silently without informing produced a cheque in my bank account which was linked to loan account and the cheque got bounced and a charge of 590 was levied. I am very ashamed and I feel insulted to get cheque bounced from my account. When I asked them why did you produce the cheque when I already paid the emi and its their in your record? Then they said that as I have not paid from registered bank they produced the cheque. I feel this is cheating as I already paid the amount and its not mentioned anywhere in the contract that I should pay only from my registered bank account only. And everyday they used to send mail and there also it was not mentioned to pay from the registered bank only. And a payment is a payment.they also recorded my payment and its showing in their loan account statement. I want cheque bounce charges of Rs 590 back and a compensation of Rs. 10, 000 as it gave me lots of mental tension. I contacted them over phone but they only keeps my phone in waiting for 10-15 mins but no one picks the call.