I took 35 lakhs, smart home loan account for 180 months, within 36 months i almost cleared 30 lakhs, and requested to chnage the EMI instead of Tenure of the loan (everything was done in writing), the bank was still forcing me to pay the old EMI, they were not ready to change the tenure, when i didn't paid the EMI for two months ( it was calculated on the basis of old tenure), they started sending goons to my place, i said ok i don't...