Kotak Mahindra Bank — Unfair arbitration notice from kotak

Hello, I have received a Notice from The appointed Sole Arbitrator for initiation of Arbitratin Proceedings in respect of my Personal Loan. The Arbitration is to take place in Chennai. The letter received earlier was from the Law firm asking this arbitrator to invoke the arbitration clause, stating that I had failed to pay back the entire loan amount after three of my EMI's bounced. However, I had made that payment regularly before last 2 years. Due to COVID situation, I have two pending emi but I receive a notice from arbitrator to come in front of court. I don't know how to handle this situation. From this month onward I'm paying my emi regularly and I have informed my relationship manger about my delay emi which I will pay by next month. Still I received a notice from kotak but I have asked my relationship manager about the notice, he had no idea about that.