Mobikwik — Im complaining about hight penalty applied

I have used the Zip credit of Mobikwick which was 11996 Rs in July 20222 and due to some financial crisis and you have applied a penalty on this is 43025 Rs as of now.

I am writing to formally request a waiver of the penalty charges recently applied to my Mobikwik account. My registered mobile number is [[protected]], and the penalty was applied for delayed payment on ZIP Credit.

I understand the importance of timely payments and sincerely apologize for the delay. The delay was due to unforeseen financial hardship I would have since cleared the outstanding amount.

I kindly request you to consider waiving the penalty as a goodwill gesture. I value my relationship with Mobikwik and hope to continue using your services without any issues in the future.