Pancard Clubs Ltd — Not making repayment at due maturity date

My name is shirish Bhavsar Pancard clubs Ltd Co. not giving maturity cheque in time as per prescribed date on certificate. Cheques are delayed by 2 or three months and also not paying interest on delayed preiod instead of this vouchers given to pruchase goods of Pancard. which is not required to us. This is cheating to customers. Pancard clubs should stop cheating and return the money of all customers who desired to withdraw as in future we are afraid Pancard clubs may not returned the money. Govt should take necessary actions againts Branch Managers, Directors to return the colllected Amt from customers