Kotak Mahindra Bank — Threatening calls

Hello am ramandeep, i am a very old customer of kotak xredit card, due to huge financial crises my card went it to default, but i conitue pay pary amount to the bank every month... But since am out of job and am unable to pay the amount i have requested the bank to give me some time... But inspite of that am receiving harresement calls from collection agency appointed by the bank... I have told them that i have full intentions to pay but i need time but they are notready to listin... They are not ready to even acklowndge the fact that they are not supposed to call under this moratorioum period as rbi has themself grated time to customerz... Amd as per bank i have used 127000 and paid off 117000 still the enire amnt has been adjusted against my intrest and other charges and still acc to them there is an outstanding of 35000, i am also ready to clear this outstanding but i require time which agency people are not ready to listen... All am requesting is some time... Would request you to please look in to this