You have mentioned as per EL rules nd it is believed that you have a copy od such rules, and by quoting the rules in writing, you have been able to convince the bank and bank has agreed to rephase the instalments.
As per RBI guidelines the customer can obtain his/her credit report by depositing a fee to the maximum amount of Rs.50/-. Although the banks shall decide their fee but the maximum amount can be Rs.50/ only.
You can ask the bank to quote their fee or alternatively you can deposit Rs.50/ and ask the bank to supply you the report by registered post, quote their fee and refund you the balance amount if any.
You can even ask the bank to confirm in writing if your name was sent for inclusion in the list of defaulters and to supply you the copy of the bank's written communication to CIBIL or any other credit rating agency, and since bank was at fault to withdraw your name from CIBIL or any other credit rating agency, and to supply you the copy of the bank's written communication to CIBIL or any other credit rating agency asking them to withdraw your name and copy of report of CIBIL ............confriming withdrawl.
many of the bank employees/officers/managers are ill informed, many of them flout norms,and many of them take actions which cause inconvenience/harassment to the customer and leave the burden and expense of proving their innonece on the customer.
You can also complain to the Nodal Officer/MD of the bank in writing or raise RTI.
You are within your rights to obtain the docs mentioned above.
You should have written to the banks that you shall not be depositing the instalments since you have paid the excess amount, and that interest amount shall be paid later with principle as per EL rules.
Kindly be careful in future and avoid default from your side.