Lock down emi

Dear sirs Due to coviod 19 lock down period Govt announced and RBi redirected to Banks for EMI not to present for three months But bank were presented the cheques , cheques were bounced . SIBiL score gone low and also became as default customer. Note personal loan and car loan Also Govt announced that House owner not to collect rent from Tenent But they also refused that announcement and asking for rent Seeking your legal advice , thanks in advance