Kotak Mahindra Bank — Treating calls from bank Advocate and Police

Dear Sir,
I Biswanath Sen from Chandannagar West Bengal had taken jumbo loan Rs 425000/- from HDFC Credit Card since 2018. But due to covid outbreak and my ill health I am unable to clear my dues from last two years and recently I had ungergone pacemaker surgery from Government Hospital. Till 2019 I had regular clear my dues. And last month also had paid total 40, 000 rupees due to pressure created by bank advocate person name Satish Tyagi and Inspector Vedpal Nagar and I actually even don't know weather they are actually advocate or police even they also not mentioning there name correctly. They only threating me that if I don't pay they will directly make police complain and issue arrest warrant. The advocate is not willing to here my problem my health related problem they kept on saying me that clear the due or else you will have to bear the consequences. I even told them I am searching a job so that I can clear your dues and it will take some time as my age is already 67 and finding a job will take time. And also I had taken the loan from hdfc bank but they that transfer it to Kotak Mahindra Bank to recover the dues without giving any intimation over phone. Please help me with a solution as I am already in financial problems and also health problems.