Banking and Finance

Hi, I have taken educational loan from J&K Bank of the amount of INR 5 Lakhs and with interest I am paying back 7.5 Lakhs As of today the outstanding is INR 90 Thousands I was not regular in payments over last 1 year or so because my business got hit. These officials have been deducting money from my relatives accounts who are not even the Guarantors for the account Also the advance manager asks for phone number from random people who deal with the bank from my neighborhood, asks them to inform me to pay the outstanding amount. It is noteworthy that my parent bank is in my hometown, and I work currently in Delhi There has been no official communication from the Bank on this matter or asking me for the payment I feel disrespected and humiliated by the Bank official, who has damaged my personal image. Please guide me what legal action can I take against the official? And is it worth to take the action ? Regards, AB Rahim Shah