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Subject :  Is that Online loan nonpayment is under criminal caseBack

Question :  I bought instant loan in an online loan app. Due to some personal problem I can't pay that EMI on time. The interest for that amount is so high like usury. Now they are send a document. It contains, the loan app will file criminal case under IPC section 34, 120b,403,409,419,420,468 and also information technology act section 66, 66d. I gave the true informations of mine on loan application (aadhar number, PAN). In Documents given by me no one is fake. In this situation Can they file suit under this section? Please give a solution

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