Lean on my two personal accounts by SBI with out notice

My daughter taken an Education loan for Rs 64,500/- in May 2014 SBI rural branch. And she completed the education on Dec 2015. I paid some amounts as interest in that 2015-2016 period not regularly. As education loan Terms and conditions: The repayment would commence from one year after completion of the education that means, the repayment would start from Jan 2017. I paid 2000/- on 31st Mar 2017. On 3rd April 2017 the bank manager freezes my two accounts ( SBI bank urban branchs i.e: other branches of SBI) and marked lean Rs 50,000/- to both accounts with out any notice to me or my daughter. I served a notice on 4th Apr 2017 to that branch manager, but no reply from him till date. I lodged a complaint against that branch manager in District consumer forum in my town. I want to argue in person to this case. I did not get the full details of the under section 171 of the Indian Contract Act. And who is a Defaulter in education loan. Please tell the acts to argue. Thankyou Gopal B