MoneyTap — Credit Rating

Was looking out for a loan for my studies in this pandemic. Came across this app in Sep. Wanted to get a a loan amount of oli 90000 however I was credited 165000. I wrote an email as they were not available on call stating to take the amount back or to increase the tenure as I have my home loan too. However the declined both the options. Since then I am following up with them to take the full amount but don't get any reply. They are attempting to debit my account every month and it's getting bounced which has impacted by credit rating. It was info to me they will not attempt at ecs. Now I am penalized for late payments and also my credit rating is impacted.