As per various publications, M/s HDFC Bank is known to indulge in such illegal practices and despite having been penalized unlimited number of tiumes by courts of law has not given up thier illegal and punishable activities.
Submit call recording to police with written complaint..................and approach your lawyer.
Lodge complaint with MD of Bank with copy to Governor RBI, and make them a party.
The delinquency in payment might have been reported by now to credit bureau's and will affect your credibility. You should have conducted settlement under expert guidance of your lawyer.
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