PaySense — Loan extra charges Extra Emi's

Address:

Jaivilla Dev Shakti 49 Tilak Road, Navyug Colony, Santacruz West Mumbai Mumbai City District Maharashtra India - 400054

Hi my name is Reshma and I applied online loan from paysense. After submitting my Pan number, Aadhar card and other documents my loan got approved for 2 lacs on 5th September 2019 and I was told that I will have 24 Emi's, However I only received 1, 90, 440.00 rupees in my account and was later told that 1300 rupees is the partial interest and 8260 is the processing fees. The real problem started after I opted to take EMI Moratorium as I had lost job and didn't had money to pay the EMI. In month of September paysense tried debiting the amount from my bank account however it got bounced due to insufficient funds. I requested them to give me some time to pay the EMI however I started getting harrassed by the customer service representative who kept calling me also, they hacked my whatsapp contact numbers and phone contacts and tried calling all my friends and relatives stating I have taken 5 lacs loan and not making payments and also harrassing them. Later I arranged the money and paid the EMI however o noticed that my EMI from 24 Months has been extended to 31 months. There is no phone number for the paysense to contact, the only way I could contact them is by sending an email to [protected]@gopaysense.com after repeated emails I finally received a response stating "Paysense has provided me with the moratorium facility from April to August month i.e for 5 months hence, my loan tenure has been extended by five months i.e from 24 months to 29 months. Also, 2 more months has been extended i.e 31 months in which paysense is collecting the moratorium interest from me". This is totally wrong and fraud, how can my Emi's from 24 Months will change to 31 months. Also, there is no proper response from the customer service team and hard to reach them. I kindly request you to please investigate and help me get out this problem. My Loan account number [protected]. Looking forward for your help.
Thanks
Reshma