[Resolved]  Central Bank Of India — Mental Harassment

Address:

Morena, Madhya Pradesh

y Name is Chandrashekhar garg My Loan A/C No( [protected]) had taken education loan from central bank of India,Kailaras . of Rs.3,60,000/- in the year 2008-10.According to guidelines of RBI Its not required to submit the property paper if the loan amount is below Rs. 4 LAC, still i was asked to do so.
I have cleared nearly over due EMIs without an default.But my last 2 installments are unpaid as I became completely bankrupt in recent days. I lost my job But now I have already got a good job and I am going to start paying the dues.But Mr. Sharma from Central Bank of india bank manager is frequently calling up my mother , my Father, and all my relatives and abusing for repayment purpose. Though I had been requesting him for few days as I start making payments, he does not want to listen to anything. He has started doing mental torture to my family members. My point is when I am in touch and ready for payment, why these collection people do such harassments by calling up family members and offices and abuse? I am not a criminal. It is just that suddenly my financial conditions have gone extremely down. Does this mean that these people will start abusing in rough language? When I am ready for payment now, why do they force customers by doing mental torture? Is this the way they need to fulfill their targets? What are their reporting authorities doing then? It seems that there is no value of my clearing all previous EMIs without any failure.

A normal person can have sudden financial problems. Anybody in this whole world can face it. But does that mean these people from recovery agencies will act in these ways? Is there no value of human honesty ? If no one takes action, where will a normal person go?
I have promised them that this month onwards I will start making payments, and that is for sure. Still, why do they call up and abuse the family members when the customer is available? I have never tried to default willfully, neither have I ever tried to escape from the scenario. Then why can't I expect help from the banks?
Mr.Sharma a Branch Manager appointed by CENTRAL BANK OF INDIA has really made the life of my whole family a hell. His contact no. [protected].
These people are probably given targets for completion, for which they go till the extreme level. I agree that they’re doing their job, but is this the way to do recoveries, mainly from people who are already in a dreadful financial situation He has been threatening me and my Father every now and then. When I complained in Central Bank Of India, he again called up my Father and asked why did I complaint? What sort of behavior is this ? Is there no treatment for such things?
At my part, I have got a new job with a better package. Thus I am sure that I will finish this delinquency within no time. But if these sort of elements starts disturbing in such a way, how can we have a mental peace? I am sorry to ask a question, that who has given them the right to call up the family members and abuse when I am already available? Will some action be taken against this? Can we have a better peaceful situation so that I can easily clear my outstanding?
I have willfully shared my contact number with them, which is [protected]. I have complete faith on the bank that it will take appropriate decision and action, if required, to handle this situation. Request someone to get in touch with me. Please consider this as very urgent.

Regards
Chandrashekhar Garg
[protected]