Club Jiva — emi with no interest but when i talked to bank they are saying 20.4% interest per annum

Address:

Vadodara, Gujarat, Vadodara, Gujarat, 390003

I took my membership (I'd: cj-ak-1456) with club jiva 65000 and i have to pay in 2 part 32500 and 32500 without interest. First part would be pay by emi, club jiva swipe my credit card and said they will inform bank to conver this to emi for 2 years but when i talked to bank they are charging 20.4% interest per annum which means rs. 6500 per annum. Club jiva lied to me.. I need my refund which is 32500 rupees. When i am trying to call them no response

Name: swapnil khabile