HDFC Bank Personal Loan — ABUSIVE LANGUAGE USED BY HDFC COLLECTION OFFICER TO A LADY

I have taken a personal loan fof Rs. 185000/- from HDFC on June 14th, 2007 at an emi of Rs.5442.00 for 36 months. I have been an arddent payer and have never failed in payment of even one emi till November 2008. Then from November 2008, I could not pay as i am out of job due to a very complicated pregnancy. I was contacted by Mr Laxmanan Mathiah of Collections Division, whom i have interacted thru emails explaining my inability to pay as im out of job and am on maternity. I asked him for a few months time so that i can start payiong again, once i get a new job. Mr Laxmanan preferred to remain silent and didnot reply to my emails. Then went December 2008 and January 2009. I already have missed 3 emis due to extreme monetory difficulty. Then i received a call from Shivkumar (Mobile [protected]) on February 10th, 2009 at 17:25. I explained to him my entire situation, that im in complete bedrest due to a complicated delivery and a post-operative complication. I told him that my doctor could prove the same and im out of job due to which i would not be able to pay for another 3 months as it would take me 3 months average to be physically fit to get back to job. I requested him to grant me this time, so that i can resume payment again. On this, Shivkumar started using the most abusive language i have ever heard, or can imagine t hear in my most horrible dream. He used owrds like BEGGAR etc etc and shouted at the top pitch that his voice could manage. I kept on reuesting him to low down as im not permitted to speak for long and want him to understand the case. He continued his saga of foul words and filthy verbiage. Then ultimately unable to bear anymore, i disconnected the call and cried for almost 15 minutes, thinking is this the kind of SERVICE that HDFC claims to provide? is this the way a man can speak to a WOMAN? It is so inhuman and pathetic, the way Shivkumar spoke. He was arrogant, indignanat, rude and most of all vulgar. He denowened his own colleague Laxmanan Mathiah stating "WHO THE [censored] IS LAXMANAN TO GIVE YOU TIME? THE BANK IS NOT HIS FATHER'S. I WANT THE MONEY RIGHT NOW." This is made me decide not to pay anymore to HDFC until i receive an apology from their end. I am aware of my duty to repay my loan and have hence received all calls and emails from HDFC Collection Officers. I have requested them to grant me the time so that i can once again start paying. But their attitude and arrogance has made me want to warn all to STAY AWAY FROM HDFC BANK.