I took loan of Rs. 20,000 from Citi Finance. Rs. 1106/- of EMIs of 36 months. I paid Rs. 39,816/- against my loan (completed 36 EMIs). Now there was due Rs. 5200/- against my loan due to 6 EMIs bouncing charges. How to get rid of this case. Now I am getting calls from Citi Finance to pay of Rs. 5200/-. How to get NOC or Closure Letter. If I don't pay this bouncing charges will I be in trouble. Please, badly I need help form you.