Bajaj Finance — Filed case in court after repayment without any intimation

Address:

Chennai, Tamil Nadu, 600059

My husband had purchased TV with Bajaj Finserv loan via ECS from his bank account. But passed away 3 months after taking the loan. His bank account was locked. I volunteered myself to pay the EMI via my bank account or direct payment to close the loan. But denied that they cannot transfer or close. Only suggested way was that they will collect the cheque from me every month. Every month or the other represntative would call asking for the same story and handed the cheque. Last person who collected the cheque during nov of last year said loan is closed and I would get the closure document. I am waiting on the same. But all of a sudden a person from Delhi court calls and says that a case has been file against. I don't understand what the intent behind this. Moreover only 10 mins was provided to me contact the company. To my surprise, IVR didnt route me to any customer care representative, instead I had to pay via online and update that person from court accordingly. I don't understand for collecting the amount, they called n number of times, but for this there was no intimation. They say its penalty for the ECS bounce. Then why was this not communicated when I was paying EMI every month.? Why didnt they close the EMI account or set any status of that account ? What bajaj finserv was doing for 1.5 yrs?