Recovery Agent Abusive action
I have taken a Credit card from Axis Bank, but i have recently lost my job and am not able to pay them for sometime. i have asked some time from the bank (2 months) till i land another job and start paying them back regularly from my salary, but over the call they say ok ok and then they sent a collection agent to my place. the first time he came over, he spoke to my father, who said the situation is bad and we need sometime to repay. I was not available at my place. He went off for that moment from there. After 2 days he comes back, this time i was home, He was the same person who had come earlier. I Explained him the situation, post which, he started shouting at loud voice saying that "you have to pay. You think you can have fun and then not pay? I'll also see how you dont pay right now." He was purposely shouting to put pressure. it was so loud that he purposely made my neighbors and house owner heard him shout about the loan. Post which i asked for his ID card and authorization later from the bank, which he refused to show. After a few minutes, he had abused me with "POOCHANDI" which is a foul language in Tamil. after a few more minutes i told him my situation again and ignored him. 5 minutes later, he said his manager will come tomorrow and handle me in a better way. I have all this ( Most of it, a few parts got missed) recorded on my phone. Can someone please help me as to how can i stay away and safe from this abuse? i know i have taken a loan, but this way of recovery is very humilating