M Pokket — Loan repayment issue

Website:

M pokket.com

My name is Yash. And I'm a student. i taken a loan And could not repay it on time. Because i have money problems during the quarantine lockdown. i also lost my job during the lockdown and my salary was also tied.
I'm facing many problems like this. i want to repay my loans but my penulty is higher than my actual loan amount.
I humbly request you to decrease my penulty charges so i can repay my loans. I hope you will understand our normal people's situation who Every day dig the well and drink the water.