Home Credit India Finance — Intrest rate and moratorium charges

Address:

Dlf infinity towers, tower-c, dlf cyber city phase|| Gurgaon 122002. India

I was taken loan of 150000 after paying 16 emi of 7527 my outstanding is still 132000, my may month emi was return due to lockdown and I wasn't apply for moratorium and their employye wast told me about moratorium and its charges at that time i clear that employye that dont moratorium my loan for any month ill pay may month emi when unlock but without my intimation they apply auto moratorium and charged me 5500 for that month and now my loan showing 46 months my loan actual tenure is 42 moths I was asked about moratorium charges and other charges company was gave me that details in January 2021 and after that they are not responding positive from last 9 months I was fight with company against all of this concern but company is not giving any answer or solution they are just wasting time by showing company policy. Recently I was apply for cancelling my February month emi from email and call centres also but they proceed my emi and debit amount from my acount.i have all recording of their costomer care contact and all mails which I sent to this company so please help me out of this company because they have right to spoil my credit score and for my cbill record I was clear all of emi on time but there is no benefit against that.