Bajaj Finserv — personal loan: unnecessary deduction during loan processing (for creditvidya)

My loan application number:[protected], hello, this is manish from noida. I've applied for a personal loan in bajaj finance ltd 3 days before for 20 lakhs, i was told that only processing fees of 0.5% will be deducted while disbursing the loan but they added a product called credit vidya without my notice which costs 4999 rupees which is no use for me and flexi fee charges which costs 4999 rs and i got only 1, 983122 rs. I found that amount of inr 4999 has been deducted in the name of "credit vidhya". When i asked about it they sent me an email statement with credit vidhya report. It is just an advice to take loan and to determine how your cibil points will be rated. I don't need such study reports as i knew it already and there is no use of such reports. This seems to be hidden charges without informing the customer. I asked for the amount to be refunded in my account. The customer care person said he will take up this issue and arrange for refund. But again i got the same report in the name "financial fitness report". I really don't need such useless reports for my rs.4999. Therefore it seems bajaj finance is looting customers money by these hidden charges. Atleast this should have been informed earlier, if it is informed i would have not taken loan from bajaj finance. Now i've to cancel this loan because of their poor actions. If they charge some amount for closure then i've to go to consumer court as no choice left for me. For other friends those who are planning to take personal loan, please take it from reputed banks (Transparent charges) instead of these financial looters... I'm expecting a reply or response from bajaj finance. I'll update in this forum until my issue gets resolved.