Please help me

The money borrowed should be repaid by you to the bank irrespective of your personal problems. No court including DRT will be able to help you. Please pay the defaulted arrears with applicable interest on the defaulted installments in order to save the account from slipping to NPA status which may put you to hardship later on. If bank executives of the bank are abusing you over your mobile this gives you signal for stringent action the bank would take under SARFAESI Act. In order to avoid such unpleasant situation, please contact the bank and ensure that your account is upgraded in time. Since you are defaulter court/drt will not have lenient view in your case. Do not go for litigation as it consumes your valuable money and time.

Rightly said by the honourable expert Mr. Ramachary the thing that only you can do is as explained above and if possible record all abusive and threatning langauge used by the officials and collect evidence and file and FIR against the same and plead before the court the mental stress and agony suffered by you because of the bank remember this is just an option if you want to go to court because as a defaulter you will still be liable for the same