Home loan insurance amount deducted but not applied for it what to do

Dear All, I have home loan with Aditya Birla Home Finance Limited, while taking top up home loan ABHFL they have deducted home loan insurance amount. But they have not applied for insurance. Every time when called, they use to say it will take few more days. After waiting 6 month i have escalated this to grievance dept, after that they have applied for Insurance. While releasing topup loan they have deducted amount but after 6 month they have applied for insurance. It means if something is happened to my house that period i did not had insurance & they have used my money in the name of insurance and charged interest for that but not done insurance. So firstly they have cheated (if i am not escalated, i could not get policy. second misuse of customer money and charging interest for that. Keeping in future & other customer can I go for legal fight for this? Pleas suggest. Regards, Narasimha Gaonkar 9986489015