1) what was amount of loan taken by you?
2) when was last payment made by you ?
3) has period of 3 years passed since last payment made by you?
4) if so claim of bank would be barred by limitation
5) if 3 years have not passed bank can file summary suit against you for recovery of loan amount with interest .
6) bank cannot arrest you for non payment of loan
7) if you have issued post dated cheques bank can in default file complaint under section 138 Ni for cheque bouncing
8) you can contest the case on merits