Gstr 3b showing to much late fee

Sir I have registered for GST & MSME on Aug 2020. August September I have file returns with late fee. Though the Turnover is only Below300/- Now OCT  & Nov 2020 i want to file nil return. But the system is showing Rs2300+2300 TotalRs4600/- as late fee for not filing GSTR . The delay was occurred due to GST payment paid thru ONline neft transaction got revresed stating that the CPIN is already consumed. This has happened 3 times sinceDec2020 Then I went to my Bank & paid by cheue sucessfully. Now  for Oct& Nov2020 I am unable to file because of late fee for nil return.I have no other source of income. I am unable to pay late fee. What is the steps to file application for waiver & to whom i have to apply & the mode of applying like thru post or email etc. Please kindly help me.Day by day it is acruing i beleieve. I ve made a small turnover for about Rs5000 in Dec with liability. Now i fear i have to pay late fee for Dec 2020 & Jan 2021. Thy systemis is not allowing to file uptodate returns without clearing late fee. Please help me how to get rid of this situation