Help needed: bike seized despite paying most emis – final emi + charges dispute

Hello, I am seeking advice regarding a serious issue with my two-wheeler loan. I purchased a bike on EMI three years ago through Chaplot Finance, a non-banking financial company (NBFC). Due to financial instability and my father’s ongoing health issues, I faced difficulties in paying some EMIs on time. However, I eventually managed to pay off all the EMIs except for the final one. Recently, representatives from the finance company seized my bike, stating that I owe them not only the final EMI but also an additional Rs. 26,000 in penalties and charges. I was not given clear communication or a breakdown of these charges before the seizure. Here are the details of my situation: 1. Loan Provider: Chaplot Finance. 2. Loan Duration: 3 years (all EMIs except the last one are paid). 3. Reason for Delay: Financial instability due to unstable salary and my father’s medical expenses. 4. Current Demand: Final EMI + Rs. 26,000 in additional charges. 5. Action Taken: Bike seized without prior resolution or proper explanation of the charges. I have tried reaching out to the company’s representatives and even sent emails, but I haven’t received any constructive response. The seizure of my bike has further worsened my situation, as I need it for daily commuting and work. Can I dispute the Rs. 26,000 penalty charges? What legal rights do I have against the seizure of my bike when I’ve already paid most of the loan amount? Are there specific authorities (like the NBFC Ombudsman) I can approach to resolve this issue? Any guidance would be immensely helpful. Thank you for taking the time to read my post.