State Bank Of India [SBI] — problem in housing loan account

Address: Bareilly, Uttar Pradesh, 243122

Sir
I wish to inform you that i had taken a housing loan from your bank no[protected] for rs 28 lacs form ekta nagar bareilly branch and for installments i have submitted the post date cheques of 25 for each months but i am sorry to say that all time the cheques were dedit after 25 and some times 10 days after.
Here i want to know the reasion for delay and who will be responsible for interest for delay.
Your's faithfully
Nitin verma
[protected]
Housing loan account no [protected]