HDFC Bank — Loan processing fee

I've applied for loan in hdfc bank and there was an offer which is 0 processing fee charges. when I was applying the loan, it was clearly mentioned that no changes will be deducted. But charges deducted and now bank is saying we will not pay the processing fee because bank forced me to get the amount by DD. DD is not applicable for processing fee reversed. I'm keep saying that please show me the terms and conditions cause and they couldn't show me the terms and conditions. So, this is totally scheme of the bank. They are scamming us by saying that the loan is zero processing fee loan. Never ever trust HDFC bank ever.
I want my processing fee amount, that's it.
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