Personal loan settlement issue

Hello Sir, my name is Sathiya from Chennai. I was working in an organization, I got loan of 3lakhs from ING vishya bank in Feb 2013. I made the regular auto debit through my salary account HDFC till May 2014. Since I had couple of health issues like disc prolapse and uterus problem. I have quit my job. Then I managed to them(collection agent) directly as cash till November 2014. Then I couldn't make payment since I'm exhausted with cash and jewellery. They gave a settlement option, I agreed but it didn't get money on time to pay first installment of settlement amount. Till 13th of October 2015,I was telling them that I will arrange for settlement amount and whatever my situation is. They have threatened me several times they will get warrant and police will arrest me. I told them my current situation, Still they have deposited my empty cheque which I gave at the time of getting loan. Now it's bounced back. Today I was not at home but my neighbor said I got some register post from ING bank. It's returned bcoz I didn't sign it. But I went to out to arrange for money through my brother. I will get money maximum by end of next month . So kindly explain me what should be their motive? And what should I do? Please reply me. It would be great help for me. Thanks in advance.