Home Credit India Finance — Torturing me with back to back calls and giving threats

They grievance team doesnt even work, they keep on sending the same responses back to back without actually helping the customer. Loan id [protected]. After the continuous harrassment from the team even when the situation is not good I decided to go for settlement amount they provided because I just wanted to end the connection with Homecredit as they torture people to attempt suicide. I have paid 2 installments already and on October 2023 I have last installment to pay according to the settlement letter Homecredit provided. However suddenly from September 2023 they started the collection harrassment again even when I am paying the scheduled amount on time. aAftrr explaining the same to the collection agent on call, he says that they will not accept settlement and wants full amount to be paid on Application or else they will visit adhar registered address and defame me infront of neighbours and Call me Chor. I am aware that Homecredit torture customers but how come they harrass customer illegally and give threats of kidnapping and defaming. Kindly help