My Bajaj loan account no is 405SPL16733746

I had taken a personal loan and was told if I pay off the loan within 1yr I will get full refund of the insurance I had pay however 5-6 thousand will be deducted as per service charges and the insurance amt was 50 thousand so I was expecting at least 42 thousand back.

In nov 2016 I was told by the representative that I cannot close the loan within 1 yr as that is the loan policy and so I waited as I had taken the loan in nov 2015. So dec 2016 I payed off the loan and was informed I will get full refund for insurance after deducting the service charges. However month after month have passed with neumerous email to them back and forth and I never received my money.

They then sent me a letter via email stating I will get only 13 thousand back as that is the surrender amount if closed in 2nd year. Now they want to cheat me of my money and totally misleading information was provided to me when I took the loan I was never given any insurance documents to begin with to state anything about the insurance policy which is totally fraud. I want my money returned as I followed everything correctly and paid every EMI on time. If we miss a EMI they call and harress people but when they have to pay us they don't care. Would really appreciate if this can be delt with seriously and that Bajaj fin serv be fined for cheating and misleading us who they call loyal customers.