Settelment of loan not done

2 years ago

I took a loan of Rs. 2,50,000 on my credit card in the month of september 2019 and after paying 6th EMI of around Rs. 15000/month I failed to pay next EMI's due to Job loss in the corona pandemic .
Recovery agency called me in the month of october 2021 and asked for payment . I explained to them all the problems that happened with me and requested them to convert my dues into small EMI as per my income but they did not agree and started calling my relatives , to my company officers and asking for payment and harassing me to make payment in one or two installments.
I was very depressed that time & decided to pay their one installment offer amounting to Rs. 98000 . They issued me letter on 11 october and the payment date was 25th october then i told them that i can not arrange the money in this short time they said to me to don't worry they will take approval from bank for more time to pay just pay some minimum amount in this month. I paid 19000 on 26 october . They kept calling my relatives , to my company officers and asking for payment while I was arranging money Then I withdrew Rs. 26000 available in my PF account & Rs. 50,000 ( in part) private loan @ 5% from per month interest. However, the last payment was done on 14th december as guided by the recovery agency. They promised me that account will be closed (Call recorded)

But , I again received calls for collection from another collection agency for an amount of Rs. 163316/- for the same card.

Please help me. I am totally depressed again . I already have a private loan which I took out to pay the credit card.