HDFC Bank — unable to pay emi due to lost of employment - reg

Address:

Rangareddy, Andhra Pradesh, 500018

Hi
I am Chaitanya Vinnakota had taken 2 personal loans from HDFC, First Loan Acc No 59972268 for Rs 3 Lakh with 6560 EMI for 60 Months on Aug 2018 and Second Loan Acc No 63648007 for Rs 4.25 Lakh with 9390 EMI for 60 Months on Dec 2018. I was working with Cognizant Technology Solutions India Pvt Ltd, Hyderabad. Recently I lost my Job on 13th Sep 2019 due to sudden Layoffs and cost cutting in the company. I had discussion with my HR on 5th Sep 2019 and they relieved me on 13th Sep 2019 which is 8 days and normally the official notice period is 2 months. But my company had given me some amount as full and final settlement which I paid already to HDFC on Sep, Oct and Nov 2019. Now I am Jobless and trying for the new job in new organization. Recently on 16th Dec 2019 I got a call from HDFC and her name is Sneha talked with me in phone very rudely and asked me why you had taken loan from us if you are unable to pay? I am not an astrologer and predictor to know the future about my job in my company and for your infomation and I am not only the single person came out from the company they were terminated thousands of employees. How can she decide whether customer was able to pay or not? I request them to recheck my payment history of their loans from the past 1 year. While availing loan from them, the executives wondering us to home and office address for the documents and signatures. As a customer when I tried to explain my situation to them they were not responding well and simply saying "its your personal problem". How can they say that to customer? Where should i get the amount with out doing job
Can HDFC give me a fresh loan with out doing job?
Can HDFC give me a loan with out any payslips?
They know all these things but they are torchuring me a lot for the payments.
I am a person completely based on my monthly salary to spend for family and loans and cards. I have family with 2 kids. In this situation I am not able to pay. Let me try a new Job and will continue their EMI's. I request consumer forum to give me sometime till I get the new Job and advise them to dont repeat calls regarding payments. I will definitely pay their EMIs but I need some time. Please do the favour