HDFC Bank — Bank placing lien on savings account.

Address: Hdfc bank

I am priority customer with HDFC Bank Pune.
My CA firm, personal accounts are with hdfc bank.
I hold a hdfc credit card of which limit is ₹300000.
It was overdue and alongwith moratorium interest the outstanding was ₹362081. I have been paying the minimum due of the credit card before and after the moratorium period.
On 9th November, 2020 I recieved NEFT from HDFC Life Insurance Policy which I redeemed before its maturity because I need funds urgently. Without my knowledge and any prior notice or as little as a warning sms/call the HDFC Credit Card department placed a lien on my savings account and an entire amount of ₹362081 has been blocked by placing a lien. I visited the hdfc credit card collection dept and requested them that I am a regular paying customer and I have multiple relations with hdfc organisation through banking, insurance, mediclaim, credit card, etc.
I requested them to kindly accept ₹100000 towards my credit card dues of ₹362081 and release the balance funds back into my savings account as I require the funds urgently. But nobody is being able to help me citing that the lien has been placed without their knowledge from the Chennai unit of HDFC credit card dept.
I ask here how is it fair and just to recover dues like that from someone who has been paying regularly and never denied the outstanding to hdfc bank.
Under which bank policy of the RBI guidelines does the bank have the absolute right to place a lien without prior notice and warnings and that too on a regular account. In these times of pandemic each o[censored]s have been hit financially. This is extremely criminal and unfair on the bank's part to completely block all my funds.
To top it up they have neither realised the amount towards my credit card dues, nor unblocked the credit card, and they have charged me ₹3300 for late payment where in fact they have taken away the entire sum owed.
I don't understand this type of banking or shall I call extortion and harassment.
I sincerely request the moderators here to look into this matter with utmost urgency and revert to me otherwise I will be in big trouble financially as my car loan EMI is due, plus I will also go onto file a suit with the consumer redressal forum and file a complain with the ombudsman committee of the RBI. PLEASE HELP ME OUT HERE.