Family Credit — Bike loan

Address:	713216
Website:	www.familycreditindia.com

My brother took a bike loan from family credit in 2014 but in sept 2015 he expired in a road accident, till sept 2016 all the installments were paid promptly. Now that he is no more do i need to pay the further installments, in a similar case where a loan was taken by my brother form Sriram Finance for a goods carrier we did not had to pay the installments after the date of his expiry. but in this case family credit company is refusing to have some CLI agreement which waives the installments after the death of the loan receiver. I have learnt from some sources that the so called CLI agreement stands effective by default and no special steps are required to activate it, further they are asking me to pay a sum of rs 18000 in place of rs 25000 to settle the loan ac. I just want to know that is the finance company miss leading me ?