“I had to take loans from three different organizations, namely Spandan, SKS and HDFC. I received Rs. 16000/-, Rs. 10000/- and Rs. 15000/- respectively from those three organizations. I was unable to repay the borrowed sum from Spandan so was compelled to borrow from SKS to repay it. But then I failed to pay 2 instalments of SKS. This led to collecting agents verbally assaulting me. They sat in front of my house with an intention of intimidating me. I begged them to give me some time, but all my prayers fell in deaf ears.