Bank refusing to pay excess charges

It all started happening in early 2019 and occurrence of incidences go like this: 1. I opened a CC account in Vijaya Bank at 13.25% rate of interest in march. The banking was heavily disturbed due to the amalgamation of various banks into Bank of Baroda. The existing Branch Manager had been transferred and by the late 2019, a new manager had been assigned the branch but he hardly used to come to the branch. 2. No single document for renewal of cc account had been asked or no notice for renewal had been issued to us till march 2020, until the onset of COVID 19. whereas my account should have been renewed well before 1st occurrence of lockdown on Janta Curfew. 3. I got one mail form the branch intimating renewal. BUT NO DATE/MONTH had been mentioned in the mail. Furthermore, when i visited the branch to enquire about the mail, the credit manager clearly denied any possibility of renewal at that moment as there was no branch manager to proceed with the renewal. All this time i had been getting charged with rate of interest 13.25% 4.In september 2020 they officially transferred by a/c into Bank of Baroda and my rate of interest got changed to 11.75%, without any notice or renewal letter. In the coming months of november onwards, rate of interest again changed without any notice or renewal and changed to 12+%. 5. Since my official renewal in Feb 2021 for 2020-2021, I have been charged upto 13.25% again. All this while I have never been asked for any renewal or given any notice for change in interest rate. 6. When I asked for formal letter citing my rate of interest, the branch along with regional office and zonal office have failed to provide me with any written information on it. 7. All this while I have been charged with irrelevant charges and inappropriate rates of interests. I have approached the branch as well as regional office and zonal office but to no avail. 8. The only thing my branch manager is concerned is to declare me NPA every now and then. Please guide me what legal steps can be taken against Vijaya Bank/Bank of Baroda and get my money back from them.