What happens if I don't pay my Flexi loan?

What consequences should I expect if I fail to make timely payments on my Flexi loan? Will my credit score be negatively impacted? Will there be any additional fees or penalties imposed? What is the process for dealing with missed payments, and are there any options for restructuring the loan terms? Is there a possibility of the loan being sent to collections or facing legal action if I continue to miss payments? How can I avoid these negative outcomes and maintain good financial standing with my lender?