Mpocket — Taking high penalty and interest amount from Student

Sir, I take a loan amount of 9000 on mpokket.due to the corona pandemic situation I am unable to pay the loan they did not allow a moratorium also my penalty was 14000rs (9000+15000) totally 25000 this was too much and they are calling to my friends and family and harshing to pay money in this pandemic situation how I pay the amount. I asked here to reduce the penalty charges but no use

due to mpokket many students are struggling they are blackmailing (tomorrow onwards your cibil will be zero)Many of the student take loan without permission from parents so they are afraid and getting into depression .please help us
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