Billease Penalty

90 days OD sa Billease, they agree for repayment plant Php.3000 bi-monthly, trying my luck if pwede magreduce or magstop penalty, penalty is 63% na ng principal amount. Is there anyone here na nabawasan or nagstop penalty sa Billease? Or meron nakakaalam kung legally this penalty is acceptable?

This is my email to them:

Hi Billease,

I can pay Php.3000 bi-monthly, specifically every 16th and end of the month. I would also like to kindly appeal again on your team if there is a way to reduce/stop the accumulating penalty of my loans.

Total Loan amount= Php. 34, 488.09 Total Penalty (All loans) = Php. 21, 745.57

Total Loan incl. Penalty= Php. 56,233.56

As you can see the total penalty is 63% of the total loan amount. I humbly request again if the penalties can be reduced or stop from accumulating. This will significantly help me in paying my debt to your respective company. Thank you.