Byjus — emi deduction from my bank account instead of cancellation

Address:	Bangalore, Nagpur, Maharashtra, 440014
Website:	avanse.com

Dear sir/madam,
I had taken demo from byju's learning app with tablet. When the byju's executive mr. Pravin raut visited my home on[protected] for demo, i had clearly communicated to him that i will only take the demo of the product and if found useful only then i shall purchase it. The amount payable was rs.6450 as down payment and balance rs.58050 by way 12 of instalments of rs.4838 each.
Mr. Pravin raut (Sales executive of byju’s) committed me that if i send cancellation email within 15 days of receiving the product i can cancel the subscription and i will be refunded with the full amount of down payment of rs.6450 and no emi will be deducted from my bank account. This is also mentioned in the document provided by him. Mr. Pravin raut fraudulently took my signature on all the documents without telling me anything. He just told me that he cannot come again and again, hence i should sign all the documents and these documents will only be used when i continue with byju’s after 15 days. I just gave him signature only for the purpose of 15 days demo only.
As i didn’t find the product useful hence i sent email about the cancellation of subscription on[protected] clearly indicating that i don’t want to return the product and need refund of the down payment paid. Mr. Pravin raut misused my documents and even after cancelling he sanctioned a loan upon me.
Since then i am continuously making phone calls and emails to the company byju’s and avanse that please complete the procedure of cancellation and make me refund of the amount paid.
I received confirmation email on 18th dec 2019 that my cancellation and refund has been approved from byju’s. On 28th dec 2019 i received email that the product has been received back. On 30th dec 2019 i received email stating that “your avanse loan has been cancelled”. All this communication has been forwarded to avanse financial company also.
From last 20 days i am continuously sending emails and making phone calls to make the process faster, but it seems that the company has a mala-fide intention of cheating money from my bank account.
On 2nd january 2020 i was shocked to receive call from avanse financial services ms. Harshad kurangale that my emi is due on 9th january 2020 and it will be deducted from bank account. When i informed her that my cancellation process has already been completed, she denied it and threatened me that if i fail to pay emi, they will spoil my cibil score. I asked her that i have already sent all the emails to [protected]@avanse.com regarding confirmation of my loan cancellation, she simply denied to look in to the matter and threatened me to pay the emi.
I also talked to byju’s refund team on 2-1-2020, they first confirmed me that the cancellation of emi will take 3 days after 30th dec 2019. But when i told them that my emi is due on 9th jan and according to your information you should complete the procedure by 4th jan 2020, and hence emi should not get deducted on 9th jan, then she simply refused and said you have to pay the emi. She was talking in totally uncooperative manner.
Dear sir / madam, please help me, i am very much mentally disturbed due this issue which is affecting my health. I have never defaulted in any loan repayment. My loan cancellation has been successfully completed from avanse financial services, even then they are going to charge emi from my bank account on 9th january 2020 fraudulently. I am writing to you well in advance, please take action on this and stop this fraud from happening.
Please help me in saving my hard earned money.
Additional information –
Avanse loan account no. Mumdp00080949, cif 98249, application number [protected]