Personal loan is NPA more than 3yrs
I had taken personal loan of amount Rs.280000/- from HDFC bank in 2010. EMI amount was Rs.10000/-. I paid 18 EMI, after that it got NPA for more than 3yrs. I took this when I was working with kotak mahindra bank to start my own business. During the business my truck was theft and some odd happens in partnership and we had to close the business. I went bankrupt. At that time I had withdrew PF for sister marriage which HDFC bank freezed my saving account amount Rs.99883/ on 24/03/2012 and debit 10 EMI (5 in advance). Including this 10 EMI, I totally paid 18 EMI. After 24/03/2012 there is no payment in my loan account.
In 2014 recovery agent started calling my relatives taking number from facebook. I spoke to recovery agent and gave time to meet him at vashi. They came to meet me at vashi with 4-5 people in van with intention to take me at unkonwn place forcibly. I told them I am jobless and not in position to pay the amount currently. I also told them once get the fund I will make one time settlement.
Now in July 2016 recovery agent has got my neighbor mobile number from somewhere, and calling him and threatning my old aged parents on phone.
Even today I am jobless and not in a position to pay the amount. Please guide me how to deal with this scenario....