Consumer Redressal

I have taken a Samsung Refrigerator on EMI from Capital Loan Company. Then I received a call from them during 2nd month from the date ofpurchase that My ECS facility with HDFC Bank got rejected and whether i can go and make the cash payment to Malaika Appliance - Capital Loan Counter. I agreed and I made the payment. Similarly since the last 9 months i was making the payment after i use to get a call and they use to send an executive who came & collected the payment. Now it was only in the last call i got from Capital Loan where she raised this issue of collecting 3400/- Rs extra for bouncing charges???? Why should i pay for any additional charges when nothing was informed me earlier? Even if this was informed to me about the bouncing charges in the first month, I would have made the full & final payment on the same day! It was always like this that they use to send an executive and they collected the money in cash, handover the receipt to us. Thats it. Please help me