Education loan

I took Educational Loan from IOB for 6.5 Lacs;they got collateral Security in the form of Third Party Guarantee and my house documents as mortgage. I completed my degree in B.Tech last year - 2015. I am unemployed and adding to this, we faced a heavy loss in our agriculture for the last 2 years. So we couldn't start paying the Monthly installments. So I met the Bank Manager and explained about my situations. Then he started threatening my Dad that we will loss our home and my Aunt (Guarantor) by saying that her salary will be deducted automatically for my Loan amount. (1) The bank manager came to my home and started threatening my Dad that we will face problems in case we don't pay the installments every month. (a)Can a bank manager visit customers home for recovering the debts? (b)Can he threaten us by saying like this? (c) can a bank manager act as a recovery agent before enlisting me as a defaulter? (c)Don't he need to send notice to the customers legally before act as a recovery agent? (2) can the manager threaten my Guarantor? (3) It is enough to get only Third Party Guarantee and obligation from Parents for Education Loan in IOB. Can they get additionally our property documents as mortgage? (4)In Tamil Nadu, the present government promised us to pay the education loan for those who are unemployed through their Election Manifesto. Can I make a request to the Bank by telling about the manifesto? (5)can I request the bank stating that we faced a heavy loss in agriculture and me being an unemployed? (6) What are the other means that we can get some time for repaying the loan or to wait for Government decision of repaying education loan? Please suggest me all the available way by which i can tackle this situation