ZestMoney - ZestMoney scam

No* online fraud ever
I'm kavinraj I'm using ZestMoney money **** when I'm completing the ZestMoney app sign up it shows nach mandate fill it & digital signed after completing it it created some loan ID & a urbanlader voucher for ****.. U have to use it before **months I have leave it for a month then next month they debited emi from my account. I'm not used voucher & even though does not receive any product from urbanlader.. Then i canceled my ecs next month.. Then after a year before ** of voucher i have mailed them to cancel my loan.. They replied that we have to confirm with merchant urbanlader then almost a year gone i got impact in cibil also. Now they mailed me
ZEST MONEY
Dear customer sorry to informing you As you're avoiding our calls we'll be sending officer to initiate collections on the entire outstanding amount , at your mailing address tomorrow, If you have any concerns please revert back us immediately, otherwise ur account will be moving to permanent suspension, and impact ur CIBIL score also, make it one EMI amount today, and regularise ur account thank you.

ZEST MONEY
MANAGER
This is final time to ask you if you don't make payment we will send officer to your address
Home address the you have to pay whole outstanding amount
You will not get any loans from other banks and officer will be sent to your address with police

This is how ZestMoney threatening me
Last mail received from ZestMoney

Dear Kavinraj,

We are extremely sorry for the delay.

Please understand, at ZestMoney, the loans are activated once customer views the voucher.

Also, the cancellation request against the Loan ID: FC**C******* has been raised ** days before the voucher expiry date.

Therefore, we are sorry to inform you that we would not be able to cancel the application.

We are extremely sorry for the delay. We completely understand that it is not pleasant having to wait this long for the cancellation.

I am sorry about this resolution, however we are also bounded by the policy.

I am sorry for the unpleasant experience this has caused.

Regards,
Prateek
Team ZestMoney