Mobikwik — Zip/pay later deactivation deny by app

Website:Mobikwik.com

Hi my registered mobile number with app is [protected] i have mistakenly activated zip or pay later service on mobikwik and want to close it due to cibil score concerns as an unwanted loan will appear on my report but they are denying to close loan account as there is no such loan accounts that can not be closed if i dont want then they just go with my request
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I paid mobikwik pay later due but payment failed or amount deducted from my bank account

I just open mobikwik app and on the main interface of the app there is single click activation button for mobikwik zip services. After opening the app I accidentaly press the active now button on the banner and they are now charging 99rs for 15 days using zip service.. I have created suppprt request but they didn't close my zip account. This will have a huge impact on my cibil score If I didn't pay 99rs fee.. so what can I do now ? Pay 198rs every month for rest of my life just to main the cibil score ?? They are not replying to my email. Kindly Help me.

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