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Over cheque bounce charges

Dear sir.
I have missed three durable emi’s for one month after that I paid my due’s in next month with 650 bounce&penalty charges for each emi after ten days they charged eleven times 177/-Rs total of 1947/- Rs as cheque return charges I don’t know how can they collect 11 times for 3 emi’s for missing 1 month after I payed bounce & penalty charges including emi due amount
Please consider my problem and please take action as soon as possible.
Yours faithfully
K. Shanker

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