ICICIcredit Card — debit amount from account

Dear sir,

I had taken personal loan against icici credit card([protected]) before 3.5years.i have paid 22 emi out of 24 and 2 emi was due to because of bank fault.i have also salary account[protected] in icici bank at mava parisar branch ,indoe(m.p).On 15 jan.2010 bank has debit 3561/- from my account without my permission and any information. According to bank now total due amount in my credit card is 15477.Can bank do this according to RBI policy? What should i do right now? I want to settle my credit card account but bank wants 9500/- that is more.plz tell me about RBI policy in this matter? CAN BANK DO THIS OR NOT?

Thanks & Regards,

Sunil Tiwari,
1646-d sudama nagar,
Indore(m.p)-452009,
[protected],[protected]