Bajaj Finserv — Harassment - Incorrect charges taken

My EMI amount was 1409 Rs per month. However bajaj added insurence without my consent and charges 1900 as EMI. Raised the complaint with bajaj several time but nothing happened so I discontinued the ECS process and ask them to send an agent to collect amount from home. But they didnt even do that. While all these some EMI were not paid on time. Then I had a call from bajaj and they said that if I pay all the EMI together they would close my loan and would send me an NOC (I have the call recording as proof). I paid the last 3 EMI together and thus he confirmed that the loan would now be closed. But now after 3-4 months I am again receiving call that I need to pay the penalty. Is this a kind of joke,