Have you been harassed by loan recovery agents?

Recovery agents employed by banks have been harassing customers who have defaulted repayment of loans.

The police recently arrested recovery agents of ICICI Bank and HDFC Bank on charges of extortion and criminal intimidation.

There have been instances where unable to bear the harassment by recovery agents, people have committed suicide.

In the view of recent cases of death, Reserve Bank of India has asked banks to review their loan recovery practice.

How should bank recover loans? Should recovery agents be banned? Have you been threatened by recovery agents? Tell us your experience with them.