How to stop auction

I have taken educational loan in 2010 and time given 5years to repay my account became in 2014 I continue to pay since 2015 to 2019 May 2020, I will stop the payments because my outstanding still says I have to pay 18 lakhs to the bank,Where is my availed in the loan is only 15 Lakhs, So far paid about 20lakhs to the bank. In the month of February 2020 they give me DRT Notice for 21lakhs something, When we asked for a loan account statement bang failed to offer us and they did not explain the loan statement to us, after some time we requested BANK to providers OTS, They are offered OTS for 16.5 lakhs, They did not provide any letter stating that the girl or DS and I want to be paid within social time. And no details about down payment. After one month they gave a letter to pay half of the amount that 8.5 and remaining on so-and-so date but they did not mention for how much amount they are giving OTS so we did not deposit any money. Although we requested for letter bank failed to give letter. Before OTS expiry date we wrote a letter saying that we are not satisfied with the OTS and asked them to explain more on that 16.5. After five months they gave pre sale Notice, And now issyed he letter for auction to pay 24 lakhs. How can I resolve this matter? How can I stop in auction? I wrote a complaint on ombudsman rbi portal, Do I have any problem going back to abroad dealing with the bank and court cases? As it is Covid Moment bank has power to you auction ? We have only house which is mortgage to the bank and we are living in that house and I belong to a very poor family and I will settle the loan for the same amount were they offered during OTSAlong with the interest because I passed at 90 days of time