I'm from Chennai I used credit card for 3 years without any lag in paying the dues. suddenly i got fired from my job and it took around one year to come out of the crisis and settle down now i want to repay it but the bank has sent me a demand notice asking me to pay Rs.103389/- instead of original balance Rs.64,000/-. I do not know how to approach them as i am scared of harrassment ( Stories i heard from my friends ). I'm interested in paying the loan. Please help on how to proceed
Appreciate all for your time and support in advance.