Paytm Personal Loan processed by Wrong Way

I taken personal loan from Paytm in which lending partner was Aditya Birla Finance. The loan was processed by wrong way because communicated T&C and Actual T&C are totally different but I have no proof about it. I raised request for loan close and as per direction I paid disbursed loan amount to lending partner but they not closed my loan account and demanding processing fee and foreclosure charges. Loan taken on 15 March 2023 and paid on 22 March 2023. Now they are saying you paid after cooling period but no cooling period discussed at time of loan processing. I have already said it to lending partner that loan was processed by wrong way and I have already paid amount as received disbursed and not able to pay extra charges. Now I am receiving calls from recovery agents and they are using abusing language. What can I do and close my loan. They are threatening to down credit score also. How can I came out from such issue because I am not defaulter in it.