Legal Question in Banking Law in India

Received a notice u/s13(2)., we approached bank with published notice & ammount, but concern manager refused to close home loan account as , i have credit card debits with the same bank .

Approached a lawyer and sent a D.D drawn for the demanded ammount in favour of published account number along with explanation with in specified time in the notice showing readiness to pay penalitis and late payments if required towards close this account . After one month bank sent me a letter stating some more ammount required to close the account. Again sent a D.D along with explanation to the letter through lawyer. My Lawer approached bank couple of times for the documents of property.the concern manager straight away refused our request and demanded for the payment to wards credit card debits. after three months we approched the bank and came to settlement over credit card debits and made payments. After clearing complete debits when we request for Property document, manager said you gave ECS mandate to other bank debit , so they claimed ECS every month and now you need to pay near about one lakh more ammount to get documents back.

It is true that ECS mandate is there, but can it be claimed from an Account which was declared as NPa by bank and published in news papers.,

I made payment againest the the notice and along with a answer by a lawyer to close the concerned account even mentioned "*****Bank HomeLoan" clearly on D.D. but after 6 months manager started new vesion, is his version valid?

Please advice my right procedure to claim my property docs

thanks in anticipation

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