All these People who really make a issue of these recovery agents are the people who really dont want to pay the Bank.why would the recovery agents harass you if you are paying your dues on time.i think these are just weird excuses given by defaulters.if the Bank has given you the money they have the right to collect it & afterall it is the people's money which they are collecting.People intentionally submit fraud documents to get a loan & default it.If you want to ban such Banks it is the genuine people who will suffer the most.