Illegal Way Of Charging Penalty

between the lockdown it will not applicable.

You may approach the Banking Ombudsman on the basis circulars issued by Central Govt.

send them a legal notice through counsel to stop imposing any charges till lock down period is over and send copy of the same to the RBI and concerned ministry

if the make calls to relative and threats u can make a complaint to police

u can make a complaint to RBI and govt authorities for relaxation till lockdown

what type of loan you have availed first, second have you informed or talked about your running loan to them. if it is then the situation will be changed.