Kapil Chit Funds — Did not refund cancelled chit amounts

Address:	Hyderabad, Andhra Pradesh, 500079
Website:	www.kapilchits.com

I have started 3 chits (2- Five lakh chits and 1- 15 lakh chit)with Kapil chits in Janaury'2014.
after 6 months, I have cancelled one 5 lakh chit and one 15 lakh chit and redeemed the 5 lakh chit.
as that time in total I have paid around 2.5 lakhs for all 3 chits and they have paid me around 2.5 lakhs as part of 5 lakh chi have redeemed.

For the cancelled chits, they did not pay me a single paisa, for which I should get around 1 lakh back after deducting the 5% of chit amount as cancellation fee.

they never paid me that and they never responded for my phone calls

after 10-12 months they started calling back saying that I need to start paying for the 5 lakh chit that I redeemed.

I asked about the my money for cancelled chit, they said they were adjusted to 5 lakh chit.
I said how can they do that, how can they keep more than 1 lakhs and adjust without my permission.

they told they would return and asked me continue paying for 5 lakh chit.
I trusted and started paying.. even after 3 months they did not return my amount.
I stopped paying and asked for justification.
as I have already paid around 3 lakhs and got 3 lakhs back for one 5 lakh chit.
they are not responding and now started harassing guarantors by sending legal notice etc.
I never said I wont pay, I asked for details of the amount I should get back and how can they keep 10 months money in advance and adjust from that without my approval.
and asking me to pay fines and unauthorized charges