Can we file a defamation suit on SBI?

I have taken Car loan in SBI. After Covid pandemic i have unable to pay the dues. To avoid damages to my reputation in my society i have silently handed over my car to recovery agents who came to my home. I thought before it goes to auction want to pay dues and want to take my car back. all of sudden without any information from bank, received 2 notices, one dated [deleted] (delivered [deleted]) stating overdue amount and if i dont pay the due they will go for auction and defame me by publishing my photo in the newspaper as defaulter. than i reapid my overdue amount within a day. second notice dated [deleted] ( delivered [deleted]) stating that due to unable to pay my dues they have published auction notice in newspaper and giving 7 days of time to repay dues, charges, interests. So my question is without informing me about going for publishing auction in newspaper can they do the auction? [deleted] dated final warning letter delivered 1 month late, how can they assumed that i was no intention to pay the dues? If they dont have intention to know my intentions why they sent [deleted] dated notice? Please help me out