Bajaj Finserv - Hidden Charges as Credit vidya fee and FLEXI Fee

My loan details are as follows -

Loan account number - P***PSP*******

I have taken bajaj finserv personal loan but at the time of loan processing bajaj executive never told me about the credit vidya fees and flexi fee. But after disbursement of loan they have deducted *****/- from my loan which is incorrect.

I have been charged -
Credit vidya fees - Rs. ****/-
FLEXI FEE: Rs. *,***

I have already been charged *****/- in the name of processing fee, Stamp fee and emi network card (which I was not aware of)

This information was not communicated to me by my Bajaj executive. I haven't informed and i also don't need credit vidya report & insurance also. But no positive response from bajaj. 

I need this maney back. As these * facilities are not required to me. I need refund for the amount of rs.**, ***/-

I called up the customer care and they said it is a mandatory fees but i think it is upto the customer if he wants the "credit viday fees" to be charged or not. This is a hidden charge which was never revealed by the company while giving the loan. It is like taking money from customer without their consent by adding such charges which is not at all needed by the customer.

Please help me to resolve this issue and get money back.