Personal loan

I have missed one EMI on my personal loan due to some financial emergency at home. I emailed and called the customer service to inform them about the delay. I got a call from collection and when I told them about speaking with the customer service department he refused to hear and said that he has got my case and customer service has no say in this. I spoke to his senior and mutually agreed to make payment in 10 days. Today which is 8th day I got a call from another guy saying that 25th is closing, so if I can make payment today. I said I will make payment tomorrow morning for sure. He said ok, asked me how will I pay I said Paytm to which he agreed. At 22:40 I get a WhatsApp text message for one of the collection agent saying that they will take legal action against me. Below is the text message I received: It has been observed that you have defaulted in Dhani App loan & as per feedbfack from our collection officer you are intentionally not paying EMI. We are assuming that you have availed this loan with malafide intentions to make a loss to the company & absconded from given addresses. In view of the aforesaid we have forwarded your case to our Advocates for initiating appropriate criminal case under section 138 and civil recovery proceedings against you. Kindly call me back on urgent basis for clarification & kindly make payment of EMI. If you following with Indiabulls executive and if you already done your payment than kindly ignor this massage Legal Manager Indiabulls Dhani Please suggest if there is any action I can take. Because this message says that I am absconding whereas I have been responding to their calls and have also emailed them about the same Looking forward to suggestions