Bajaj Finserve Lawyer threatening from Bajaj Finserve

Hi , I have had a loan from Bajaj finserve in the year where I missed the last emi. Technically they should have deduct 2700 but every month they were deducting 3500 upon which when asked they said it's for insurance, which I never opt in. I kept chasing for the same with no answer. I then had issue with job and failed to pay the last emi and then after 2 years I am getting g a call from a lawyer stating there is a case filed on me and I have to come to court tomorrow . When I asked for any other settelement the lawyer connected me to a Bajaj Finserv legal team guy who was rude and said arrange 26000 in the next 3 hours or tomorrow come to court and locked me with no option . I had to say ok to avoid this and finally I arranged 20000 from my friend and paid it on a credit card. Now the Bajaj finserve lawyer keeps calling and harrasses me to pay remaining money when I said I just have to pay 6000 and I need time but they keep threatening me to drag to the court and threatening me that I will not be able to do any job if I go to get work and all that. All I asked was time for remaining cash but they keep threatening about legal action even though I paid maximum money