Harassment by NBFC AND THEIR RECOVERY AGENTS in recovery procedures.

I AM FROM Lucknow AND HAVE TAKEN A HOME LOAN( PROPERTY LOCATED IN Lucknow) FROM A NBFC. DURING THIS BAD PHASE OF CORONA PANDEMIC I MISSED A FEW EMIs NOW THE NBFC IS FILING CRIMINAL CASE U/S 138 NI ACT FOR EVERY EMI ECS MISSED THAT TOO NOT IN MY Lucknow BUT IN THE Lucknow OF THEIR HEAD OFFICE- KOLKATA. THEY ARE ALSO CHANGING EMIs ACCORDING TO THEIR CONVENIENCE WITHOUT TAKING ME INTO CONFIDENCE. KINDLY GUIDE ME THE WAY TO FIGHT THEIR HARASSMENT(ie FILING OF CASE U/S 138 NI ACT IN KOLKATA & NOT IN Lucknow. WHICH C@U@R@T HAS THE JURISDICTION (FOR CRIMINAL C#O#U#R#T & DRT BOTH) IN HOME LOAN CASE IF THE NBFCs HEAD OFFICE IS IN DIFFERENT THAN THE Lucknow THEY GAVE LOAN?