No bank employee can threaten you not to repay the loan. Or it can do you no harm. If he sends a third party to you, they may also ask you to repay the loan. No one will be able to abuse you. It is also important to know that those people can only come to you during the day.
If you have taken a home loan and you are unable to pay the installment, you need not panic. In this case, according to the terms, they can auction the house. However, it is not that you have not paid some installments and auctioned off your house. For this, the bank has to go through the whole process.
If you are unable to repay the loan, the bank sends you a notice and then gives you time to repay it. If you are unable to repay the loan installments within the time given by the bank, the bank takes action to sell your property and even then you are given 60 days notice.
If a bank sells your property in the event of non-payment of a loan installment, you can keep the remaining rupee yourself. Suppose you owe Rs 10 lakh to the bank and your property is sold for Rs 20 lakh, then the bank will keep Rs 10 lakh and return the rest to you.