Credit Information Bureau India [CIBIL] — mental harassment (without my permission account is under moratorium)

Address:

406, 4th Floor, Competent House Middle Circle, F Block, Connaught Place, New Delhi - 110 001

I have taken a personal loan from one of the nbfc company (Named as incred finance). My account has been put under moratorium scheme given by government. When i asked them who asked you so they are not letting me know after so many emails and call they are not giving me any answer and by this 3 month emi is due. They want me to pay all 3 emi at one go. Please tell me what should i do under such circumstances where salaries are cur 50% how i can pay such emi. Now they are mentally giving me pressure by sending whats app messages saying its a criminal offence and all.

Please let me know hoe we can show this bank that they are wrong and they should bear with the customer.

Regards
Puneet chopra