Cooperative Society Loan Recovery from guarantor

I stood as a guarantor for a loan through a co-operative society (Patpedhi) (Location Navi Mumbai) in the year 2017 now the borrower has not been paying the EMI however I understand the fact that the guarantor is liable to repay. but my question is : 1) when the bank contacted me a few months ago and said the borrower and his wife who is also a co-applicant have not paid a single EMI since they took the loan, why it took them to realize that they have not received a single penny for >2years, why they waited so long? 2) also, I was not aware that the borrower's wife is a co-applicant in the loan, and how did the bank sanction the loan when the borrower's wife is just a house-wife with no income. 3) They have not initiated a single action against the applicant &co-applicant and directly holding the guarantor liable for all their dues. 4) The bank has frozen guarantors bank account/salary accounts and are also visiting my office, sending direct letters to our company HR to debit my salary