If you will recall some banks have promotions regarding defer of loan payments during holidays (eid etc...) and this promotion are communicated through e-mails or posts. If you fail to inform the bank they will assume that you want to defer and automatically skip your loan payment and thats where the problem starts because the interest for every loan deferred amounts to double? (depending on your bank). If your loan is payable in 4 years and depending on the number of holidays...you do the math.
We should really pay attention to every e-mails or posts that our bank sends us to avoid surprises.