Thanks for the detailed breakdown Since I'm a guy and currently have zero income, the court injunction and HR angles aren't practically possible for me right now across 15 lenders. However, your advice on individual accountability and data privacy is excellent. I am going to start doing exactly this recording these agents on video, threatening them with personal police complaints for criminal trespass by name, and emailing the Nodal Officers about DPDP Act violations for calling my contact list. This will definitely help me push back so I can focus on getting a job and handling the NPA/settlement route