Took Personal Loan but unable to repay and recovery agents harassing

I had availed a personal loan in April 2015 of Rs 110000 and paid till September 2016. I have also a credit card of same bank. From mid of 2016 I am going through financial crisis and I was defaulting in credit card. The credit card guys were harassing me and mailed them to nodal officer about them but they didn't take any steps. I mailed to them that I was going through financial crises and if I pay the credit card bill, I would default on personal loan. They did not cared and told me to pay the credit card bill. I even mailed to loan department for emi break so that I can pay the bill of credit card. They did not cared and also said that 1 emi is already default and to pay the amount. Eventually I paid the credit card bill due to harassment of the agent by taking a loan from office. Now they are asking for 3 months emi and and I sent a notice from lawyer to pay 3 emi of Rs 9000 in 7 days or they will take action. I told them it's not possible before April because I don't have enough