Bajaj Finserv — Loan added to my name without any consent

Address:

Bangalore, Karnataka

I took a loan of Rs. 3, 80, 000 from Bajaj Finserv in 2014. Loan Acc num - 404SPL02390411. In April 2015, I borrowed money from friends and family to foreclose the account. I did a part payment of Rs.1, 50, 000 on 9th April 2015 through their online portal Experia, which they provide to every customer to track their loan accounts. I again logged in into the portal on 20th April 2015 to do the complete foreclosure of the loan account. I clicked on the foreclosure tab and it showed me the outstanding of approx Rs.12, 000 and I did that payment. I got the NOC certificate from Bajaj Finserv on 21st April 2015 stating that the loan account is closed. On 16th June 2015, I got a welcome call from Bajaj Finserv stating that you have taken a loan of Rs.1, 50, 000. I was surprised and taken aback my this. When I logged in into the Experia portal, I could see a new load added to my account of Rs. 1, 50, 000. Loan account number - 404SPL10597656, Tenure - 15 months - Direct Debit approved from my savings account - all set and that too without my consent. According to them money has been disbursed to my savings account on 16th June 2015. All this is so absurd. After raising the complaint to Bajaj Finserv internally, they got back to me stating that while I did the foreclosure of my last loan account - 404SPL02390411, due to some technical glitch in their portal (software system) the part payment of Rs.1, 50, 000 that I did was punched twice and hence Rs.1, 50, 000 is still pending against my name. According to me, Its a very vague claim. As a customer I did what I was supposed to do to foreclose a loan account. Whatever amount was shown by their system, I paid that amount and got a valid NOC from the company. Whats alarming here is - - If there was a technical glitch at company's end, company should catch hold of the software vendor to recover the loss, why is customer harassed in such a way? - Without my consent, how can they add a new loan on my name? How can they get the consent to deduct the EMI from my bank account? - Without my consent, how cna they decide the tenure of the loan that I have not even taken? What makes me more worried is that tomorrow they will come back saying that I owe some crores of rupees to them and since they have all my records with them, they will start deducting EMI from my bank account. Please help me. My only point is - I paid the outstanding amount honestly based on what their system showed that time and I even have a NOC certificate from them. So, why should I be bearing the cost of their technical glitch?