Aditya Birla Finance — holding my money from 1 month and not returning

Address:	New Delhi, Delhi, 110018
Website:	Aditya Birla Finance Personal Loan

I took loan of 20000 from Aditya Birla and while making 1st EMI payment on 5th September, first payment went failed and second went successful. I make several calls to Aditya Birla as well as ICICI to know about the status of my failed payment. Almost after 10 days ICICI confirmed that both payment has been received by merchant means Aditya Birla. Again after multiple call and post on Facebook, Aditya Birla Confirmed that, they received both the payment and they will refund my access payment directly into my bank account which will take sometime. I waited again for 5 days but no update from them then again I started posting on FB and email and finally one of there representative called me and said they already processed my refund and I will receive it in 1-2 days. From then to now, it's been 10 days and I haven't received the payment. Now, they are not replying on emails and no calls. It's waste to call there customer care as most of the time number is not reachable or they will tell you to email and on email no one will respond you.

This is really pathetic. I am amazed how government has allow them to run business and making fool to the customer.

They all are cheaters. None of the bank takes 1 month to process with the refund. Who is going to pay penalty for holding my money from a month.
If customers not paying EMI on due date then they are charging penalty on per day basis. There money are money and our money is nothing.

I really want to get rid of this Aditya Birla.