HDFC Bank Bank Credit Card — Card Payment Harrasment

Address:

South Delhi, Delhi

I was approached by Mr. Sushil from the collections for HDFC bank credit card. before that i was in touch with another branch of HDFC from rajouri garden asking me to cover the minimum amount. once i made a complaint to the bank about treating me and harrasing me for payment, the bank stopped calling me. however i did make the minimum payment as per the instructions. then i had sent a letter along dated 21st may 2010 which read

"I have been using the credit card with HDFC for about 3 years now. Recently in past few months I have had a setback with my income and have no source of revenue. I have always made automated payments previously but for past few months it has been difficult. I understand I owe the amount, however I urge some financial relief in this matter. I would be grateful if I could pay the principal amount in 24 installments with 0% interest and all the late payments fees removed.
I urge this sincerely coz every penny for me is very important. I am constantly trying to look for a job for earning money. The state of my mind is also not in good health due to constant stress and trauma. I hope you will help me in this case.

Card no: [protected]"

along with another minimum payment of Rs 5800 where mr sushil assured me that my letter will be considered and the bank will give me an easy pay option as my request. no call or ever heard from mr sushil. then mr sushil calls me a month later demanding another 5600 and threatens me that if i dnt make this minimum payment of rs. 5600 more then he will freeze my hdfc bank account and start calling my relatives and family members and embarrase me. he clearly mentioned that if i make another payment of 5600 my letter will be honoured. again i have not heard from him since. he gave me his mobile number to contact him about the progress. his number: [protected]. i have tryin to call him for a week but this number has been out of reach for a week now. I am so scared that now i m sure someone else from the bank will call me and threated me again for a minimum due. i want a settlement and easy payoption as i m not earning for past 6 months and am out of job. my only question to the bank is: " what if the person does not have money to pay back? would the bank kill the person to retrieve the money?" what would be the last resort.? i wish to pay but without the charges and other excess. i understand i have used the money and i owe. however my financial condition is very tight and barely have money to survive.

Please help!
Ankur Agarwal