DRT action when nothing is available for recovery from Debtor

Dear Sirs Case history : I have availed loan from nationalized bank for Term Loan ( Machinery ) : 14 Lacs & CC : 18 lacs ( Both loans are covered under CGTMSE Covered ) and 25 % subsidized by State Govt. Both loans Became NPA : 28.09.15 . On 02.12.2015 our unit was completely sunk into water due to the FLOOD in chennai.,all inventories and machines was completely damaged. After flood the unit was kept idle,we are unable to run the unit furhter .the same has informed to bank. but none action taken upto May 2017 .we were unable to manage the rent & other overheads because no operations in the unit.we scrapped all the machines and inventories & settled the outstanding rent and other overheads.the same has informed to bank. In may 2017 ,bank asked me that why refused the court notice ,but really we didn't receive notice,might be the unit was closed ,the notice may be returned. Now they sent a letter for LOK ADALAT to appear on 09.12.2017 ,I appeared to LOK ADALAT ,Bank manager told that this is not applicable for you and your case in DRT ,Judgement came ,you will receive. I asked without hearing my concern ,how they passed the judgement.They told expatriate ( not sure about this word ). When i am looking DRT website,it is showing next hearing on 16.6.2017 .I didn't receive any information from bank & lawyer.I told to bank , i am not having any cash or collateral to settle the dues. Actually ,I am striving for survival ,i didn't get any job so far. My queries. # 1 Is it possible to pass judgment by DRT with hearing my concern. # 2 Currently I dont have any collateral / lumpsum cash to settle ,living in rented home only .what action will DRT go for recovery action in this situation. # 3 Why the Bank has not gone for CGTMSE Claim # 4 What I have to talk / action ,if next hearing came from DRT # 5 . Can I emphasis the natural calamity for the loss . # 6 . I don' t have financial stuff to assign a lawyer for me. Kindly guide me