Banking issue

I got a Loan from Gulf Bank, Kuwait. and when I am returned from their I had kept 1 year loan dues for safety purpose but due to the Covid-19 Situation I cannot able travel and held in India. In the time period I had spend some money for my routine life and remaining 6 months loan was kept for safety purpose but when I was checked on June 2020 the loan amount was not hold by bank so I didn't take seriously but when after 10 days the hold amount was also taken account as 42KD for each transaction (Total 13 transaction) then I shocked and I tried to contact Bank several times but no proper response so I send a mail to Bank through Mobile App. and then also I didn't any reply. And now they are sending a mail that notifying I am a defaulter and if you didn't pay the money I will put a case on you like that they are sending the mail. My question: 1. How the hold money was taken from account without banker permission 2. can I put a Defamation to bank for travel ban and notice me as Defaulter 3. Because if this money was their 6 more months will be their for deduct lone. 4. the Money which is hold by bank is banker responsible even I cant also take 5. I never informed them I wont pay my Loan 6.I am only asking that for money which was missed and also give a guarantee for account security.