Bajaj Finserv — VAS Services fraud

I took a washing machine and extended warranty from baja for rs 2047
which they has deduct in emi for 6 months but did not deduct and suddenly after many years they come and ask over due charges of 12600. Especially
when baja representive accepted over email that its system technical failure
that auto did not happen, how would i know if they debited or not. they can not suddenly come and ask for over due, which 10 times higher
loan no :4000VS96617454.
They did this with another loan, why do they intentionally did not auto debit?
it seems a planned scam they are doing on customers