Payme India — Complaint against Payme India

I have taken a loan from payme India. Where as after taking a certain amount of loan. I lost my job. Was not able to repay. There was delay of protected days. I was going to pay the entire late fee n charges. How ever the advisor got into my phone contacts n they were approached for the collection. There are no such term which states that the contact list will be contacted. N the first step of debt collection is to contact reference I wish that my consumer complaint will get resolved soon. This is the complete breach of privacy which I can't take it anymore. How can they reach the contacts without my permission? I never gave in the app in the name of references.
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