Bank issue e-auction letter under rule 8(5), 9(1) and 13(4).

I taken mortgagee loan from bank in 2006 of Rs 3.69 lac and regular payment till 2011 i paid regularly till 5 yrs in 2012 i got letter from bank Total Balance amount and after received monthly statement of 5 Yrs i found bank charge me up to 18.5% and bank commitment of 11.75% at the time of disbursement. i sent so many call and mail to bank also i meat personally but no result. and now they issue letter with advertisement copy of eauction under rule 8(5), 9(1) and 13(4). i dont have additional house. i'm with my family in one room of 25 sq mtr Mahada House. in mumbai. pls suggest what i can do