Axis Bank — loan emi not been deducting on time

Address:

New Delhi, Delhi

I asked a personal loan for 50, 000 however I do understand that every bank gave minimum of 1.lakh so I told that person to check if I eligible for that loan and he didn't told me that I am not eligible and without my permission he processed the loan for 2.10, 000 never the less due to some problem I used that amount and the installments were fine too...now I have used the amount so I have to pay it... the amount emi 5135 got debited from my account in November December 2014 than in January 2015... than again the same person called me and said "sir you are eligible for the 2, 00, 000 loan amount and you have to pay 3200 " I told him that I don't have it now as I paid my jan-2015 emi...however I asked him on 1 feb-15 that if he can take 3200 and process my file for the loan again however I told him that if he is sure than only take the money and process the application and he said that 100% it will be done and I gave him the money on 2 feb-15 which was my biggest mistake...i told him that I am going through to some financial crisis and if he can't process the application do tell me and return the money and I also told him that I an giving him the money from my emi so I need it back by 10 feb-15...however I didn't get the notification not he didn't called me and I missed my installment...now I missed the installment 2 time in march 2015... due to some financial problems... now I am facing the problem with the bank... Nov Dec Jan I got the notification on every 10 that my emi has been debited however from the month of March I didn't get the notification and my emi has not been deducted on 10...I have checked my bank account and found that the money was in the account from 10 March till 15 th March however as I have to support my family I withdraw the amount from the bank and after some time I got the call from the bank that I missed the payment... I paid them the cash as the bank people comes with the lawyer to my place... again that happens in the April month and same with the may month... now can anyone help me with this...as bank already charged the ECS return charges in spite deducting the emi... I have a proof that the money was in the bank from the march till may and the money was in the account post 10 even...than how come the emi can be failed... please help on the same...