Personal Loan — PL/EMI PAYMENT DEFAULT THREATS

Dear Sir / Madam,
we are greatly thankful for providing personal loan for Rupee 40000 /- in october 2007 from citi finance kolkata to my wife Mrs. Sujata Kumar resident of bungl.no.-13 lower east, s.e.railway officers colony, 11-garden reach road, kolkata-700043.
i have asked my voluntary retirement from railways and same was to materialised by december 2007. but unfortunately it has tahen time to finalise and release of my settlement dues that could clear the loan repayment it may take some more time in release of my dues and currently i am without any salary income.
my wife is also with no earning salary after leaving job for some reasons in call center.
so due to break in salary income and no other source to pay the monthly EMI for the second time, your collection is threatening for illigal action to conduct with us to extract emi and in different tone for lady. although last month when person approached at my residence and created voice and other nuisance and asked for letter in writing for non-payment was given to him. but on[protected] some Mr. Sen Gupta Manager collection department kolkata threaten with above words on phone.
i shall request your kindself to please change penalty for delay and non payment period till i get my money from the railways, government of india and may kindly inform the concerning collection department and branch managers not to react in illicit way and should not approach at home. i shall pay back the loan amount or its emi on receipt on my money from the government.
i shall be thankful and obliged for bear with delay and act decently and in decorum please.
ashok kumar
for sujata kumar
+[protected]
email: [protected]@yahoo.co.in