Bharat pay - Bharat pay collection agents harassments

I have taken bharat pay loan of * lakh for my shop and due to death of my brother who was owner of the shop expired due to heart attack, and there was huge loss of business and the shop was closed altought we have paid daily payment untill *-* months even after the shop was closed , however now its not possible due to no business or employment and we have requested bharat pay to give us settlement amount so we can settle amount at best possible amount,collection team has been duly informed about my financial situation, and the reasons as to why the payments are delayed at my end. However, your agents are not amenable to my submissions and are persistently calling me at odd hours and are being abusive on such calls. They are paying visits to my house without any prior information and harassing me and my family with such actions. It is pertinent to note here that none of your agents arrive with any kind of identification cards or a proper authorization letter from you.

This is a pure case of creditor harassment and it causes immense inconvenience to me and my family.