Cholamandalam — Field visit charge (fvc)

Address:Chennai

My loan agreement no: XVFPCAL[protected]
The emi amount was paid through the account when I started this loan, But due to a malfunction in my SB account so I paid the EMI through an app Gandhi Bazaar, , Why am I getting fined with the FVC
my current FVC is ₹3871
Please help me..this Covid make me a wrost situation, , i lost my job
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