[Resolved]  State Bank of India — Harrasment by recovery Agent

Sir,
I have total outstanding of about Rs.85000.00 on cc no.[protected]. Since last 5 months i am not able to pay my minimum due amount as my todays financial condition is not well. After March 2009 due to recession , my other source of incomes get stopped.Now I have to depend only on my salary Which is net Rs: 6015.00.Also I have home loan from ICICI ( EMI Rs.4450.00).The recovery agents approached me two months ago. I pay Rs.3000.00 as my minimum due and requested them to convert my total due amount in EMI. I told them that I could manage Rs. 1000 to Rs.1200.00 per month as per my present conditon. They called me in Aug first week and told me pay Rs.8000.00 as min due amt. which i cant afford.Today I received a call from Recovery agent who called himself Mr. Deshmukh. He spoked to me in very rude and disrespectful manner. I asked his DSA name which he refused to tell me and continue speaking in agressive way. I warned him that I will make police complaint, still he remains that same. He called me from Landline No. and not from Mobile.

Sir, do you think this is the proper way of approach. I had also earlier given my complaint in August(CC No.[protected] but i received no reply. I am not efusing to pay the money, but as on today i am not that much financially strong to pay as per your expections. Kindly advice and help me . My cell no.is [protected]