Reserve Bank Of India [RBI] — bank charging more amount for emi bounces

Dear Sir/Madam
Due to my personal problem my financial condition dropped since last 6-8months though I am getting salary every month. My emi started bouncing due to my financial condition but later on it is paid with late payment charge. I know emi bouncing is not good but the situation is not in my hand so I pay late payment charged to me. In this case my bounced EMI are charged by my bank and also by the bank from which I am having loan account but this bounced EMI are presented regularly sometime twice in a week and for bouncing my bank is charging me approx Rs 900 for every bouncing even though if they have already charged Rs 900 for same ECS bouncing. Since last 6-8months my bank HDFC Bankhas charged me more than Rs 40000 only for bouncing same ECS again and again. Please help me getting this resolved because this has added more burden for me.

Please note my below account detail
Sharda Karna
Account No- [protected]
HDFC BANK
New Friends Colony
New Delhi
Mobile No- [protected]