1) claim of bank is barred by limitation .
2) if your wife is being threatened she should record the calls and lodge police complaint of criminal intimidation against recovery agents under section 506 of IPC .
3) if police station refuses to lodge police complaint then you can complain to commissioner of police regarding in action on part of local police station .
4) also you can lodge private complaint with magistrate under section 156( 3) to direct cops to investigate and submit report