[Resolved]  Mpokket — Harassment for loan repayment

I am trying to repay my mpokket loan since 2yrs.
I have informed 100times to them so far regarding my settlement.
I just took 10K from mpokket, Actual money received in bank is 9K.
Now Outstanding is 30K.
20K, they have levied for penalty charges since not paid on due date.

But when my penalty charges are 2K, I asked them to waive it off to close whole loan amount.
But they have denied and continuously charged penalty.
I asked them so many times and numerous emails I have forwarded to their front desk team and higher officials of mpokket app

No one has given proper resolution and agreed my offer.