Personal Loan repayment issue

Dear All, I have a personal loan with HDFC bank starting March 2015 for 4 years term and the account which I used for the EMI purpose was a salary account. The EMI date is 4th of every month. After paying the EMI for almost a year I got laid off and also got family emergency as my son was hospitalised due to which I was last on 3 payments, however; as soon as I got a job I started paying on time through bank transfer. Now as I was using a salary account after some months I got to know that the account got converted into Savings and required a minimum balance of 10000Rs per month. I was not in a position to maintain the balance and the bank imposed penalties on the account. My concern is that currently I am working abroad and has requested HDFC bank to give me an EMI date by 10th or 12th of every month as I get paid only between 6th to 9th of every month. Currently, my loan account is in good standing as I have covered the outstanding payments other than the AMB penalty amount but to make it current I need an EMI date to be between 10-12 of every month, however; HDFC seems to be only interested in collecting the penalties and don't want to understand my situation. I wrote an email regarding this many time but the bank is not giving me an opportunity to repay. If I continue to make the payment like this there will be a huge amount of penalties imposed on my account. I really want to repay this loan but if the bank is not ready to understand my situation I am not willing to pay anymore after all I am only getting penalties to pay off my loan. The address given to the bank was my parental house and I don't want them to harass my mother and younger brother staying in that house as they are not liable to make any payments for the loan taken by me. Kindly suggest your opinion and do the needful. Regards, Praveen.