Fully agreed with above views.
There are clear guidelines that banks cannot employ goons but they do employ tough person who go to the extnet of social humiliation of debtor. No remdy lies against such insult as ong as debit is liable to pay.
Remedy lies against thretering extortion as a short cut of civil suit. But why a person is debit because he has no money so cannot fight back.
You have in any case to pay so why increase interest which swells with each surise.