Paytm Mobile Solutions — forcefully imposing of home burglary insurance by paytm

Address:Panipat, Haryana, 132140

This is with reference to order number: [protected] in which i tried to pay electricity bill of mppkvvcl of rs 1195.0 by paytm but to my surprise rs 1394.0 got deducted for paying the same from my account.
On checking i found that home burglary insurance of rs. 2.0 lakh for 1 year for rs.199.0 was added without my acceptance.
Then immediately i applied for cancellation of both the transactions i, e.
A) electricity bill of mppkvvcl of rs 1195.0
B) home burglary insurance of rs. 2.0 lakh for 1 year for rs.199.0

But to my surprise i got refund of only electricity bill of mppkvvcl of rs 1195.0 and no refund for home burglary insurance of rs. 2.0 lakh for 1 year for rs.199.0.
I opted for cancellation of both transactions & i got conformation of cancellation of both transactions as well.
Now paytm is saying that i must uncheck the home burglary insurance before paying the electricity bill and not refunding home burglary insurance of rs. 2.0 lakh for 1 year for rs.199.0. Instead paytm is saying that i should have uncheecked home burglary insurance before making bill payment.

Note: screen shots of transactions are enclosed for ready reference.
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