[Resolved]  HDFC Bank — auto loan

Address:

New Delhi, Delhi, 110023

I have taken an auto loan for my car in june 2018. I have been a regular and punctual payer of my monthly emis since then, however, due to some unavoidable personal circumstances, i could not pay my last emi for the month of january 2019. I informed this to the bank that i need sometime to pay my emi due to fund issues. So, the bank employee savita saini, phone no. +[protected], started calling me again and again and talked to me in a very abusive and rude tone over the phone, calling me a fraudster and embarrassing me with her sentences such as - if you could not pay the emi, then why did you take the loan? I told her that i am not denying to pay the emi, however i need some more time because of the sudden issue that happened to me. She handed the phone over to devender rana and he was in fact more rude and abusive. I only told him that only because i maintained such good balance in my account that you approved my auto loan and i still take the responsibility to pay back my loan but he kept pushing me hard to borrow money from other people and do illegal means of work to pay the emi now. I refused to listen to him and that’s when he started telling me that that’s why you should not feel bad about the language we use at the bank if you fail to repay your loan. I told him that i am not denying to repay, i just need some more time. He then started to threaten me that we will send bank people to your home and office addresses who will insult me in public.
I have been a valuable customer to hdfc since 2016 and as per my records, i have maintained a very good balance in my account, but due to some personal circumstances, i am in a state where i need some more time to repay my emis with the bank. I am not absconding anywhere, neither i am denying to pay back. Please consider my status with you for last three years and my current situation, and grant me some time to repay my emis not harming my respect and dignity. And also, please don’t torture and harass me by letting such people call me in the name of recovery of loan amount. If they call me and harass in this difficult time of mine, i will personally file a case against them for torturing me with abuses and undignified comments over my status and abilities. I only need some time and nothing else. Thanks.