State Bank Of India [SBI] — deducting money from savings account without prior notice

Address:

711202

Respected sir/madam

I have a educational loan with account number [protected] in state bank of india. This loan account is linked with my savings account [protected]. Branch is belurmath. Ifsc code sbin0004640. This savings bank account is a joint account with my father, sanjay singh. Sbi is deducting money from my savings account stating as loan arrear and even from my father's other saving account in sbi in belurmath, a/c no. [protected]. I havent got any information regarding my emi. They are simply deducting as soon as money is being transferred to my account. Every quater rs. 15 is deducted from my account for sms alerts and most of the time i don't get the message abount money being debitted or creditted.
How a person stay like this? Two times i was about to withdraw money from my account for some purpose and i came to know that money is debitted from my account and balance is zero.
I am not a defaulter. I pay between 10th and 15th of every month.
People who are taking loan of 900,, 000 crore and moving out of the country. No one is deducting from their family's account because they are rich and i am not a defaulter so money is being deducted without any notice. They are making some other person call me ass they are not updating the full details.
I have faced problem as suddenly money is deducted.
This is the condition of the nationalised bank. For small loan account banks are trying to recover like that we people have taken money and are running away. This was not accepted from such an old nationalised bank. I have faced some serious problem because of this deductions from my account without prior notice.
I hope you will take any appropriate action and revert me about this complain as soon as possible on my plea.

Thanks and regards,
Rahul singh