[Resolved]  Bajaj Finserv — balic premium cd loan account number 410bal00285488

I have received a legal notice with respect to the above loan which i have not availed.
On 5.5.2012 i purchased 2 nos of voltas window ac and a loan of rs 40970 was taken from bajaj finance for which they deducted an amount of rs 4098 per month starting from 05.07.2012 and ending in apr 2013 ie 4098 x 10 = 40980.in this way the loan of rs 40970 was fully paid.
I have now received a legal notice for the balic premium cd loan where they are showing tot ins amount rs 3090, principle amount rs 3088, an interest of rs 2, monthly emi of rs 309 starong date 5.7.12 and ending date 5.4.13. And this notice i have received in my email after six and half years layer ie on 22.12.2018 where they have also added a hefty late payment penalty of rs 159985 totalling to rs 163075 and i have been asked to pay the amount immediately thru cheque or dd.
First of all i am not aware of such loan. And even if i have availed it then why the amount of rs 309 was not added with the emi of rs 4098 which was running parallely and collected from my bank and secondly why they are intimating now after six and half years and not earlier although they knew my email.
The issue should be urgently resolved and i should not be penalised for the loan not availed or for the fault of the lending company.