Non payment of Personal Loan EMI

I am writing regarding the loan account that I have with HDFC bank. I had taken a loan of 285000 in 2022 Feb and I had been paying the EMIs regularly. However, due to some unforeseen circumstances, I have been unable to keep up with the payments in the last few months.During the online application process, HDFC bank had asked me to sign a document for loan security in case of job loss with an additional amount. However, when I checked the document later, there was no mention of any such additional amount for loan security. After a few months, I lost my job due to the ongoing pandemic and the worsening health condition, like a back pain issue, which made it difficult for me to move around. I immediately contacted HDFC bank to inquire about the insurance policy for loan security, but despite multiple attempts, I was unable to get in touch with anyone from the bank.I am now in a dire situation as I have received a legal notice under section 25 of the Payment and settlement act 2007.