Union Bank Of India — harassment regarding loan repayment.

Address:

9,G.T.Road,Champdani, Baidyabati, Hooghly, Hooghly, West Bengal, 712222

Respected sir/ma'am,

This concern the loan account number [protected] with union bank of india, chinsurah, ifsc code - ubin0552933 under the name of sumit mahato.

I would like to bring this to your notice that i have been regularly paying installments against the education loan sanctioned to me. Despite being from a not so economic well off family, my parents had did their best to pay the interest generated upon my loan account during my education tenure. Post graduation due to instability of securing a suitable job, i was not able to pay my monthly installments towards the loan account. But ever since i secured a stable job suiting my educational qualification, i have started paying the emis (Rs. 7000) against my loan regularly (Every month starting from january).
Please note as per the discussion during the loan sanction, i was informed that the repayment tenure of the loan amount is at least 10 years. Despite that the bank has been repeatedly calling me and addressing me as a defaulter. First of all, this is the first loan under my name so technically i am not liable to be addressed as defaulter. Secondly, i was informed by the bank that my loan account has been made npa, to which i have least knowledge but i understand that even this doesn't makes me a defaulter, as the account was npa only in the fiscal year 2018-19. Based on that the bank has been sending me court's notice on the aforementioned matter which is so not necessary. Also note, that the bank has also been calling me from the last 2 months to increase the emi amount to rs.10, 000. I had informed the bank earlier and repeatedly that paying the said amount will not be possible for me as my salary is not that much.
I will like to bring this to your notice that i live in bangalore and i toil hard to earn a living here and moreover, as informed earlier i do not hail from a very economic well to do family background.
Lastly, i would like to assure you that i very well intend to pay off this debt on me as earlier as possible. I would also request your team to please do not spam me through calls on a regular basis and especially during my work hours.
Please note, that i come from an educated well behaved family up-bringing and i look forward to a peaceful and prosperous life ahead. Therefore, i would possible not even come across the thought of not paying off the loan upon my name.