Early Salary - Charged unnecessary charges almost 4 times of emi

I have taken a loan from early salary and paid all EMI at the time but at the time of covid ** I was not able to pay EMI due to not receiving a salary at that time, they had hit EMI and add bounce charges in EMI **** and their collection executive had called me and told if I will pay EMI on the same day that bounce charges will remove. I arranged that amount from somewhere and pay on the same day after that still got so many calls and msg about the due to rs. **** I mailed to customer care and collection so many times but I did not get any clear response from there to end in the month of may I got msg for a moratorium and applied for the same but even after taken moratorium they have charged bounce charges * times in may month meanwhile I was continuously sending mail for resolving my issue so I can pay next EMI on time but still, I did not get any response and they add more and more charges in the loan amount. in between, I lost my job and again sent a mail to settle the loan amount and wave off bouncing charges but they did not resolve any issue. I got my salary after *.* months and I paid EMI amount **** instead of **** and against sent mail for a wave off all unnecessary charges but still, no one resolved the issue and getting so many calls for due only. in the month of September, they have auto deduct Rs ****/- and Rs. ****/-. Now I have paid Rs. **** on the behalf of EMI of Rs. ****/-. Now in my loan statement is showing Rs. ****/- Cr but they are not ready to refund this amount too. I have sent again mail *-* times regarding my credit balance refund they are simply sending me a reply that the loan has closed they can not refund my amount. This type of problem I am facing due to early salary.