Jammu & Kashmir Bank / J&k Bank — wrongly debited loan over dues

Address:

Pauri Garhwal, Uttarakhand

On 4th april 2018 i got the message that the 7024 rs were debited.. While i enquirer they told me i am having consumer loan.. I was shocked that the said consumer loan which i had open in 2013 and i payed full due amount in 2014. The only mistake i did that i didn't took noc.. If i had some amount due why the manager didn't told me that time.. If i didn't payed any amount y they didn't informed me from last four years... Now they have suddenly debited the amount along with intest.. Why i should pay the interest if that's isn't my fault.. When after non pavement of instalment makes account npa and why account wasn't declared an npa.. I want my amount back and action should be taken against the concerned authorities who r having the callous approach.. Why they were sleeping during four years and now suddenly they have active to deduct my hard earned amount...