Received interim order via arbitrator against settlement request to bank since 2 months

Dear Experts, I seek legal advice regarding an interim arbitration order issued by Yes Bank against me in June 2025 concerning a personal loan account. Despite my ongoing email and phone communication since Mar 2025 requesting a restructuring or a one-time settlement due to genuine medical and financial hardship, the bank proceeded with arbitration unilaterally. I have cleared more than half of the EMI tenure and requested a loan restructuring to reduce the EMI amount, while extending the tenure to help me with the financial hardship I've been facing for a year, despite my commitment to make payments. I have been in direct contact with a recovery manager named Harsha from Yes Bank. I have emailed the bank and their grievance redressal team, yet no formal response or settlement terms have been provided in writing. To my surprise, I recently received an arbitration order passed ex-parte, directing seizure of household items and marking a lien on accounts. I was not given a proper notice or opportunity to represent myself in the proceedings. The only notice received was a WhatsApp message, which I do not consider legally sufficient, especially when prior communications were via email. I request guidance on: 1. How to legally oppose or stay this arbitration order. 2. Whether I can file a Section 34 petition or any other remedy to protect my household assets. 3. The type of lawyer I should consult (banking, arbitration, consumer, etc.) and any references Appreciate your suggestions and guidance. Thank you. Sincerely, Silla Jaya Lakshmi