Mpocket — Mpocket charged me too much penalty or late fee

Due to covid pandamic I was not able to pay dues of mpocket for which they have charged too much fee how can I pay so much of fee as I am a student how
I have taken loan of 12000 from mpocket because of some reasons I am not abel to pay that amount on time now mpocket charges me extra 13000 penalty what can I do now
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Fraud company, call from different numbers, I am also in same situation
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