Akosha.com — personal loan foreclosure charges waiver

Address:

600097

Have taken personal loan from indiabulls consumer finance ltd.
Loan amount:- inr2248338/-
Processing fee :- inr26530/-
Tenor :- 72 months
Mob. :- 17 months
Interest paid as on date :- inr354137/-
Principal paid as on date :- inr388081/-
They also taken credit shield insurance if i remember correctly.
Now i want to close the loan and been writing to them for the waiver of foreclosure charges of inr98780/- for the past 40 days and not got any positive responses. I am treated badly and they always send one automated mail and not bothered to call me to understand my difficulties. No one made an effort to call me or reply to me with their proper name and contact numbers. Response mails received from generic mail id’s and looks like the communication is one way only. (I am keep on writing to them)
Because of their delay, inr26320/- charged as interest additionally. Also next instalment is coming up on 5th of feb 2020. I need an approval to waive entire foreclosure charges on the basis of prompt payment reward, paid processing fee, already paid 47% as interest component out of total amount paid as on date. Also request for the interest refund due to delay at their end. Every time, i made an effort to call them and spend close 20 minutes to 40 minutes on the call and they are not bothered for anything.
In short,
1. Foreclosure charges of inr98780/- to be waived off.
2. Interest amount of inr26320/- (40 days interest) to be refunded.
3. I want close the loan today, 1st feb 2020 and want them to process the loan closure immediately and stop presenting the 5th feb 2020 ecs for feb emi.