Dewan Housing Finance Corporation [DHFL] — moratorium fraud from dhfl

I have home loan with dhfl and application number is 01817942
I didn't opted for moratorium option. But my emi was not deducted. Looks like this is a cheating by dhfl even though customers not opted for moratorium they will make it default. So that they can earn interest on outstanding. Poor service. Poor response.
Since from two years i am observing they never decrease the interest rate even though repo rate decreased multiple times.

Thanks,
Nagaraju