I appreciate your suggestion about the RTI option. Unfortunately, the other options are not useful in my situation because I currently have no access to funds. All five of my bank accounts have been frozen for the past two years, and each of them is linked to loan accounts. I originally used those loan funds for P2P trading, where I was consistently able to generate profits without losses as long as my bank accounts were operational. However, due to the account freezes, I am no longer able to continue P2P trading, and this has completely blocked my ability to operate or recover financially.
If you have loans associated with frozen bank account then it is another level of fuck up because we can just ignore the account if it's simple frozen even if the balance is in lakhs and we just lose that amount but when it is associated with loan then it will affect your cibil score and you may not be able to payu with any other channels for certain loan amounts, so make sure the loan due can be paid from other bank account to avoid cibil score fuck up too.
And unfreezing is an option when you have enough balance to fight for it and if the loans is seriously affecting your scores.
