[Resolved]  Bajaj Finserv — Illegal pre closure charges on personal loan

Address:

Thane, Maharashtra, 400605

In July 2016 I have taken line of credit for personal loan of RS 150, 000/ with 14.5 % interest and processing fee around Rs 4000/-. I have the mail dated 9th July 2016 from Bajaj finserv which I accepted before approval which states that "NIL Foreclosure charges: - Any time, post clearance of your first EMI".
When I went to Bajaj office in Thane to close my personal loan Bajaj Finserve illegally took 4.6% pre-closure charges which amounted to approx Rs 7, 800/-.
Now when I am writing to [protected]@bajajfinserv, grievances cell about this illegal pre-closure charges then they explain me that their company policy from 1st June 2016 has changed and 4.6% pre closure charges are applicable to every customer.

My question is if Bajaj Finserv have offered me line of credit based on Nil foreclosure charges in July 2016 which I accepted then how can they take pre closure charges of 4.6% and why it was not mentioned in my mail received after their policy implementation in June 2016.

Secondly if the policy is from June 2016 then Bajaj has cheated me by offering Line of credit showing Nil fore closure charges and I have email from Bajaj finserv showing this.

So I need justice and I doubt Bajaj Finserv may have cheated many customers who are unable to catch their fraud activities.