Jammu And Kashmir Bank — educational loan

Address:

Srinagar, Jammu and Kashmir

Hello Sir,

i got an education loan of Rs 5Lacs in 2008. According to the banks regulations i need to repay loan one year after completing of my course or 6 months after getting the job. i am being paying interest of rs Rs 4000 every month since then. i emailed many times my bank asked them tolet me know how much i need to pay for my installment and when i need to start. i gave them my account number and asked them to deduct money from that only. But after a year now bank deducted Rs 15000 from my Dad's account and Rs9000 from my account and put me in banks NPA list . When i asked they said you are a default. i didnt understand how? when i gave them authority and emailed them to deduct money at time why they can now ask me to deposit lacs of money at the single go. Please help me in this my Dad is a pension holder and i dont want that bank to withdraw money from his account.