Service job problem and fir in 406

(1)A HOUSING LOAN OF RS 8.00LAKH WAS SANCTION BY OUR REGIONAL OFFICE IN 2008. ALL THE TERME AND CONDITION OF LOAN WAS ALSO ACCEPTED BY BORROWER THROUGH SIGNING THE SANCTION LETTER.ALL THE AMOUNT OF LOAN WAS GIVEN ON REQUEST OF BORROWER AND PAYMENT WAS DONE THROUGH HIS SAVING BANK ACCOUNT.ALL THE PAPERS IN LYING IN THE FILE OF BORROWER TO REPAY THE LOAN AND ALL THE DOCUMENTS ARE IN FORCE
(2)MEANWHILE THE BORROWER NOT PAY THE INSTALMENT TIMELYAND GIVEN A CHEQUE OF FULL AMOUNT OF LOAN WHICH WAS RETURNED UNPAID AND A CASE UNDER SEC 138 LODGE AGAINST BORROWER .
(3) MEANWHILE THE BANK GIVE ORDER ME TO SERVE THE SURFACIE ACT NOTICE TO THE BORROWER WHICH I SURVED TO THE BORROWER AS WELL AS GURRENTOE ALSO.
(4)UNFORTUNATELY I WAS SUSSPENDED FROM SERVICE OF THE BANK AND IN CHARGE SHET NO FINANCIAL LOSS WAS CHARGED ON THE ABOVE LOAN IN MY REPLY I SUBMITTED THAT
(A)A CASE OF RS 9.32 LAKH UNDER SECTION 138 IS ALREADY LODGE
(B)I SUBMITTE A COPY OF ANOTHER BANK IN WHICH THE SAME BORROWER AND SAME GURRANTOR TAKEN A LOAN ALSO. SO IN IS CLEAR THAT NO CIBIL WAS CHEKED AT REGIONAL OFFICE
(C) IN MY RELY I ALSO SUBMITTE A COPY FAKE LETTER FROM ONE OF THE GURANTORES WIFE THAT HER HUSBAND IS EXPIRED (WHERAS HE IS ALIVE)
(D)IN MY RELY I ALSO MENTIONED THAT ALL THE CONDITION WAS ACCEPTTED AND DOCUMENT ARE GIVEN BY BORROWER TO REPAY THE BANK LOAN
I HAVE WRITTEN SO MANY LETTER TO THE INQUIRY OFFICER TO PARTICIPATE IN THE INQUIRY WHICH WAS RETURNED .AND I COULD NOT PARTICIPATE IN INQUIRY.
IN 2010 I WAS TERMINATED FROM SERVICE OF BANK MY P.F. GRATUTY ,LEAVE ENCASHMENT WAS NOT PAID
AFTER MY TERMINATION IN 2011 A FIR UNDER SECTION 406 WAS LODGE AGINST ME ON ABOVE LOAN THAT THERE IS A LOSSS OF RS 4.00 LAKH TO THE BANK. IN MY RELY TO THE POLICE I MENTIONED THAT
A)A CASE OF RS 9.32 LAKH UNDER SECTION 138 IS ALREADY LODGE THIS CASE WAS REJECTED BY COURT BECOUSE NO ONE WAS CAME FROM BANK SIDE FOR WITTNESS
(B)I SUBMITTE A COPY OF ANOTHER BANK IN WHICH THE SAME BORROWER AND SAME GURRANTOR TAKEN A LOAN ALSO. SO IN IS CLEAR THAT NO CIBIL WAS CHEKED AT REGIONAL OFFICE
(C) IN MY RELY I ALSO SUBMITTE A COPY FAKE LETTER FROM ONE OF THE GURANTORES WIFE THAT HER HUSBAND IS EXPIRED (WHERAS HE IS ALIVE)
(D)IN MY RELY I ALSO MENTIONED THAT ALL THE CONDITION WAS ACCEPTTED AND DOCUMENT ARE GIVEN BY BORROWER TO REPAY THE BANK LOAN
A FR WAS GIVEN BY POLICE BUT IN 2018 THIS FR WAS PROTESTED
NOW WHAT I DO MY STONG POINT OF DEFENCE IS POINT NO A.B.C.D. ABOVE
PLEASE GUIDE