Praise be to Allah.
There is nothing wrong with you doing ‘umrah even though you still owe a fidyah for Hajj.
But this fidyah is a debt that you owe, and you should hasten to pay it.
The fidyah for wearing tailored clothing is one of the following options: Slaughtering a sheep [and distributing the meat to the poor of the Haram], or feeding six poor persons, or fasting for three days, because Allah, may He be exalted, says regarding the fidyah for one who has an ailment (interpretation of the meaning):
{And whoever among you is ill or has an ailment of the head [making shaving necessary must offer] a ransom of fasting [three days] or charity or sacrifice} [al-Baqarah 2:196].
The fidyah for wearing tailored clothes is the same as that, by analogy.
And Allah knows best.
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