Legal Question in Banking Law in India

In 2008 I have opened a SB account(salary account) with a bank. The same bank gave a Credit card which was linked to that saving account along with the account. Since inception I was a very loyal customer on credit card and made the payments on time, because of which the bank enhanced the credit card limit to double the amount in 2011. During this time from 2008 to 2011, I made some transactions as needed and converted them to EMi's. By 2011 some were about to complete but did not.

Note: Till 2011 all payments were on time and never had a late payment fee.

In 2011 May, after the limit enhancement, I lost my job. However, could manage the payment till August 2011 with out delay.

Now the problem started - Since I was jobless, could not make payment for 3 months SEPTEMBER, OCTOBER, NOVERMBER 2011.

I got a job in 2011 again. Since I don't want to be a defaulter, I myself contacted bank for a resolution.

I have asked for 2 options here:

Either give me 2 years time so that I can pay the some amount monthly from my salary

OR

Resume my account to continue the emi's what ever I am paying earlier and collect the penalty for 3 months which I could not pay.

Bank (CREDIT CARD) has refused all the alternative options and wanted me to settle the complete amount at a time whic was impossible for me.

After that, the bank executive said to make some payment for the next 3 months and then he will settle it in the fourth month.

Trusting him I paid nearly 50000+ ruppes. After that he turned saying every thing went to the penalties and have to pay the complete amount again.

I told him that I am not going to pay single penny now unless he gives me the options what I wanted.

Now after few months, he blocked my another salary account for 50000.

Please advise what steps i need to take to sue the bank.

My questions:

How can a bank block my salary with out intimating me ?

Can I send a legal notice to the bank branch to get my blocked salary back ?

If I send a notice to bank, what actions will the credit card department of that bank take ?

Note: Here I have 2 accounts with the bank. One was previous company salary account for which credit card was issued. Second account is the current company salary account where my salary was blocked.

Please advise....Thanks in advance!

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