Laon default of bajaj finance w

Hi Please suggest better option for my queries below. I have taken personal loan from Bajaj finance in year 2019 for amount 3lacks after paying emi till one , in may 2020 I got call from Bajaj finance to convert my loan base amount to flexible pay and reduce the emi burden due to financial crises . I have choosen the same and closed my previous relation and converted base amount of Rs 2.40lacks to flexi pay loan . I also paid 3-4 emi but suddenly due to financial crises and lost my job I didn't paid emi from sept 2020 to till date . Currently I don't have any job or assets to clear my dues and I am unable to pay emi . I requested to Bajaj finance for support to give time to pay my dues but always rejected my request. Now I also requested for settlement with lumpsum amount to close my loan but still waiting for response. Apart from toady I received a text message from Bajaj finance with link of pre-arbitration . Please suggest because I am job less since April 2020 and I don't have any financial support to pay my dues . Still searching job and want to close my loan. I also mentioning here I am not leaving with the address which they have with bajaj and also the address which mentioned on aadhar, pan card or any bank account . Please reply on earliest. Regards