Bank charged more interest that mentioned in the circular

Sir my father has taken loan for agriculture business (warehousing business) and under the project we were suppose to get subsidy from govt. but due to bank faults we have not received the subsidy and the account became NPA & major fraud bank has done with us is that bank has charged interest on our project @ base rate + 5.0 + 2% Panel interest but under the bank circular it was base rate + 0.50% and bank has taken physical possession from the last 3 years and made the firm non functioning unit from 3 years and after that I have given letter to the bank that bank can fulfill the govt norms and can make the firm functioning and can get its EMI but bank did't did any thing form 3 years and now some how I have started the firm bank gives me me notice of Wellfull defaulters earlier I have given them offer of One Time Settlement but bank didn't gave any replay . Therefore any of the lawyer expert in banking please help me.....