State Bank Of India [SBI] — harassment from debt collectors sbi bank

Dear sir/mam,

This is pradeep kumar gv, i have an sbi credit card & using it since 2018, but now i have a personal family problem where i have lost my father and also had very huge medical bills to pay & now i have lost my job and been unemployed for the last few months but i will find a new job and things will go well within the next 2-3 months as it was yearend there was no much recruitment happing. By which i was unable to pay the outstanding amount of rs.58749.45, the actual credit card limit is 50, 000/-, for last few months due to personal conditions of being unemployed, i'm unable to bear the expenses nor maintain my card. But still, i paid what i could, but the collection field person buy name “ shiva kumar “ visits my home and harasses my widow mother who is 67-year-old lady saying he will call the police and he also says that he is from the civil court. And he demands me to pay more which i cannot and he also calls me repeatedly on the phone and whatsapp which very humiliating i am not a fraud or thief i know the police cannot really do anything but using those words is absolutely threatening me.

At times i really feel like suicide myself self but just looking at my mother i am quite. Because of the way he behaves is not really good. You please tell me who would not prefer to pay their debits ones they have used the bank's money, but if things go so worse in one’s life what i can i do. But still, i am planning to pay only ones i get a job so i had raised a request for a settlement request on my credit card with the customer care team in reference to[protected] on 3rd jan 2020 to see if i can pay the settlement amount offered by your bank. But i really wanted to take legal action on this recovery agent who is giving me mental stress and torching me which i cannot ignore.

Please the attached image in this email how the collection agency threatens me saying he is from a civil court.

Name:pradeep kumar gv
Card. No:4726 xxxx xxxx 2076

Thanks & regards
Pradeep kumar gv
Email: [protected]@gmail.com
Phone: [protected]
Dob:10 april 1985.