The plan suggested by LLL is right one, Its not worth discussing with comapnies like TMFL, they will continue to do such careless works.
In future we can learn lesson by this. We should opt for ECS by setting the date for every month so we will know on which date money will deducted so we can make sure we have enough funds or at least attach credit account with our savings account(example citibank ready credit with citibank suvidha)
If we have to give only checks in this case we need to make sure we put the dates or if no date is mentioned make sure we have balance, otheriwse no solution at all. These finance guys will never do the way we think or expect
Regards,
Ravi.