Bajaj Finserv — bajaj finance foreclosure charges on salaried online personal loan

The loan account number is 403spl[protected] and the loan was taken on 22th jan 2019 for the amount of rs.4, 48, 555.00 with a tenure of 60 months and interest rate of 12.50 %.

They told me that due to nil foreclosure charges benefit bajaj finserv charges are high interest rate as compare to another bank.
On 26th dec 2019, they sent mail that 4.00 % charges applicable for foreclosure the loan amount. So immediately called up customer care and they are also mentioning the same.

I visited bajaj finserv's chennai branch to clarify and close of my personal loans. I thought they will talk some sense compared to the customer care people,

But sadly they are also sticking to the same information that going forward 4.00 % will be charged for foreclosure of loan amount.

Now i have to forcefully continue the loans even though i have money to close these loans.

Pl loan account : 403spl[protected] / loan amount : 448555.00
Transaction date loan details
22/01/2019 broken period interest receivable 1383.00
22/01/2019 credit vidya fees 4999.00
22/01/2019 hdfc credit protection plus 8555.00
22/01/2019 line activation/flexi assigned limit 4999.00
22/01/2019 stamp duty 500.00
22/01/2019 upfront charges 2117.00
Total charges 22553.00
Total loan amount 448555.00
Credit loan amount into my account 426002.00

For above stated the both personal loan i had paid rs: 22553 with extra charges for taking loans

As per my email while sending okay the only charge mentioned is od activation charges which is flex fee. Your team member never told me below things
During personal loan time never told me about credit vidhya fees but after dismemberment loan then they have deduction my 4999.00 fees and also additional burden of insurance of hdfc credit protection 8555.00 as well as line activation/flexi assigned limit 4999.00 also upfront charges 2117.00 was put on me.

I am not in condition to take these policies and bear any additional charges like insurance charge, vidhya fees, upfront charges, broken period interest and line activation charges collected from me. I am not interested in these policies and done without informing me. I am really disappointed

Can you explain each and every components charges, why these charges taken from me without my knowledge
While taking the loan and also please refund the same

I don't have any requirement of insurance and never made any request for them.

Please solve my request and complaints, because i had already paid rs: 22553 with more charges for taking loans

If i go on paying this extra money to the company eventually, i will lose complete faith in bajaj finserv and stop availing any relationship with the company, and more than that i will end up getting the feeling frustrated

Please help me in this case, to pay my outstanding loan amount without any foreclosure charges also please provide the foreclosure letter for the same

Please resolve the complaint before february 2. Because the above mentioned date is emi date

I expect quality services from you and request you to address this issue with immediate attention. I expect full compensation and look forward to your replies within shortest time.