Zestmoney — Loan closure, emi refund and auto deduction

Hi,
On June I used zest money for a train booking by makemytrip the loan amount is 4016 rs for 3 months emi . I paid the 1st emi 1st July amount of 1397 and 2nd emi same emi on 1st August the same amount . My train got cancelled and i requested for the loan closure on 26 July . Through mail and call also but they not close it till 23 September and on September 5th zest money auto pay hit my bank account twice and it got bounced for which i got penalty of 530 and 590 for the loan which should be closed by end of July as promised by the company and still now they not refunded the full amount of emi I have paid and as will as the false bounced amount which is same as the emi amount. Can you help with the refund of the emi and false bounced amount?