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PaySense — Money cheating

Sir,
I get loan 200000 and I pay 7500 per month. emi 13 month without over due suddenly they offer 2 loan 200000 so I thought 7500+7500 my emi is 15000 so I applied.they they say this is top-up loan so this loan pre close ur previous loan you wanna pay emi 12000 per month for 48month.they don't give me a loan.they raised my emi and extra month.
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