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Little did she know she would have hell to pay for choosing such a convenient lender. It was all good as long as she paid her dues on time. “Because of some issues with the bank”, she missed one cycle. Anitha was willing to even pay a late fee. Before she could put that in motion, she started getting phone calls and WhatsApp messages from recovery agents. The calls became progressively more menacing and insulting. “They started becoming abusive. It was 2-3 weeks of constant harassment. I was nearly suicidal, ” she recalls.