TVS Credit Services Ltd — Loan Closure and yet the loan was active

Hi, I am writing this in great distress that TVS credit has not been helpful since the beginning. I am wondering why I went for a loan in the first place and more importantly why did I go for a loan with TVS credit.
My Loan agreement no is KA3009TW0147798 and I had problems since the second month where the amount was not getting deducted on time from my account. Here I don't understand why you have an ECS facility when I have to make the payment online every time.
Now, though i made the payments on time, my loan is still active and has affected my CIBIL score badly in the last few months. When I checked I found that there was a balance of Rs.95 due. And the system was not allowing me to make the payment of that amount coz the min amount that needs to be paid is Rs.250
What kind of scheme is being run by TVS Credit Services Ltd? First am not even sure how the Rs95 was due and secondly am unable to make the payment of that online.
Why was i not called by TVS Credit team or informed about this in the last few months.??
So Finally i have made a payment of Rs250 . I have asked the TVS credit team to keep the extra amt with them as a tip for the extraordinary service and have requested to Please close the loan and make my loan inactive. So that my CIBIL score will improve.
VERY BAD EXPERIENCE WITH TVS CREDIT !!!

My phone # [protected] .
email ID : anil.[protected]@gmail.com

Regards,
Anil Maadam