Worst.I was using their Mobikwik zip facilities last year, Due to my health issues I was unable to repay on time, their recovery agent contacted me for the payment,she gave me offer of Penalty waiver If I made the payment on the same day,I arranged money from someone else and asked her that if the waiver is approved or not,She confirmed and I made the payment of total billing value. But now they are again harrassing me for the balance payment( waived off penalty)+ new penalty. This is ridiculous