I hold a Standard Chartered Credit Card which was issued to me around 3 years back saying that the card was a free card and that i don't have to pay anything extra for the same. However for the last 1 year the company has suddenly started asking for Annual Fees of Rs. 750 . Which i requested and they promptly waived off. After three four month the same thing appeared again and i requested again for waiver which they did saying it won't be charged again. But it has again appeared in my statment and this time they have refused to take it back saying its the basic charge for the card. When i asked them to cancel the card they asked me to pay the entire amount outstanding which is above Rs. 25, 000. I have been a very regular with payments and have never defaulted but paying Rs. 25, 000 at one go is not possible for me. I would like to take the legal route against the company

Kindly advise.

regards
amit yadav
card no. 4129037083899799