HDFC Bank — Loan lien

Ive loan with HDFC bank and My loan ID:[protected]. My account is Freezed because of multiple funding.

Due to unavoidable circumstances, I had to take multiple loans which is above my eligibility criteria as per bank policies. My father in law is in critical condition who can't take more than few steps and suffering from very severe COPD (chronical lung Disease), for him immediately BTVA procedure has to be done or else things will turn out to be fatal. This procedure is done only in few places in India (bangalore apollo, hyderabad Yashoda hospital). As my medical insurance doesn't cover my father in law and also my wife just delivered a baby and her insurance is also completely utilized.
We don't have any other choice than getting a loan from bank. This procedure will cost more than 7 lacs.
Just because of the situation I am in a situation where I got required loans but unable to perform his surgery because HDFC has blocked my account and all my funds are stuck in there.

I reached out to various loan centre branches like indiranagar, mahadevapura and also my bank branch manyata tech part but no one is of any help as this is been locked by credit Investigation team.

I sent numerous email to loan support team from 04/09/2024 up until last week and got a single negative responses stating that I need to close my existing loan (loan ID:[protected]. If I was in a situation of closing a loan all of the sudden then why would I prefer taking other loans at first place?? the only option for us is personal loans when emergency arises like this. I prove that I have all capabilites to pay my monthly EMI without fail then what more does HDFC bank is expecting from a person like me?? I had funds in my account but still defaulted from paying hdfc new loan because of the issues caused my HDFC credit team, collection team is sending mesages every single day and harassing me to pay EMI even when my funds are locked in your bank.

My life has become so stressful and miserable because of this incident. I don't understand why HDFC bank targets innocent like me when I promise to pay emi on time.

I really request you to help me out in this situation by releasing my account, so that I can start using my HDFC account normally and start paying my EMI on time. Please show some courtesy on my situation, I can provide whatever proofs that you are looking for on the medical procedure.

Please ask for the emails which were sent to [protected]@hdfcbank.com with proofs and attachments for reference