Mortgage loan from credit cooperative society

2 years ago

My father brought housing loan from credit cooperative society in 2015, at the time of taking loan bank representative mislead us for EMI amount , at the time of taking laon we told to bank , we couldn't afford EMI more than 10000 per month , the bank representative said it's okay , but after disbursement of loan and starting of EMI we realize we got cheated , but my father ignored it at try to sell the property , but after trying to sell this property we didn't get customer for right value , in the last month my father died due to heart failure, from 2015 to December 2021 we paid half EMI 10000 (Exact EMI is 20000) , but bank charge high interest with 2% on due amount , bank credit our money about 6 lakh, but did not less it from EMI, they just created in account , didn't less any EMI , they never send any Notice from last 7 years , they never put our loan account in NPA , now due loan amount with interest is more than property rate , I don't have resources to pay loan , I am unable to think what to do , I also doubtful on bank , I think they want to take illegal possession of my property and sell it or dispose it however they want and grab profit and settle in account with minimal amount , I know we did a very idiotic work , I am requesting to all advocate sir please guide me , what should I do ?, Can I surrender property to bank (credit cooperative society) of file a civil case or fraud case as IPC contract act of misleading case against bank , please guide me sir