Too much loan penalty on commercial vehicle

1 year ago

Before lockdown we asked bank branch to restructure our loan emi's into smaller emi as bussiness not going well. Our loan start form may 2017 to march 2021 and we manage it to on track by dec 2019 but after then emi's going due so we asked bank to restructure our loans and luckily they accepted it and for restructring they want some stamp for it of
700000 rs value stamp total for 5 loan case. We gave stamp to them. But lockdown came and our loan case goes in NPA as one their employee forget to pay 5rs less in an account by which it goes in NPA on second, and we are not aware of it as our loans changed NPA account after lockdown bank employee came said that No morotorium is alloted for us and no restructring of loan happened. And 6 emi of lockdown also going due we are not aware of it during lockdown as we waiting for ending of lockdown for new emi structure. After lockdown they ceases our vehicle and collected due emi's from us we deposited all due emi's for releasing our vehicle as we took another loan from locals for it. But now after maturing of laon no loan emi due they want us to deposit heavy penalty also for releasing NOC's of vehicle. All mistake of bank employee we as customer suffer now we want legal advice