[Resolved]  Citibank Credit Card — Civil court threatening by citibank

Address:

Central Delhi, Delhi

Hi,
I was a good citibank credit card customer till last year, but on feb 2010 I use citi bank credit card for around Rs.122000 for my marriage purpose, I also dropped a cheque of same amount to Citi bank in time (it was my father's cheque and he has an saving bank account in SBI), after few days that money got deducted from my fathers SBI account and also I can see that payment made in my citi bank next statment..things are alright till now but suddenly after around 2 months Citibank put that Rs. 120000 back in my credit card statement along with huge interests. they are telling me that they have not received money from SBI where as SBI has already deducted the same from my fathers account..after talking to SBI and Citi bank atlast they got the money from SBI but they are increasing my interest every month and now its arround Rs.33000 (its only interest and other charges, not any of my own expenses) Now they have mailed me that last sattlement offer and if not paid they will move to "CIVIL COURT" on 21st April 2011.
They have marked me as "Defaulter" on the credit bureaus(CIBIL) also .

Now tell me where I am wrong, I have made the payment in time also the same amount has been deducted from my father's saving account in time and there my JOB is done as an consumer, now suddenly you come up with huge interest after a 2-3 months and it a clear inter Bank mistake where consumer can't do anything or control anything then why should I pay the penalty for no reason.

RBI might have made some rules for inter bank transaction if SBI didn't followed that then ask SBI to pay the interest why me.

Now please guide me should I fight for CIVIL court if they file the case OR should I go for sattlement as COURT cases can streach long time which can hurt my life and family.
I have all the statements and also I can take xerox copy of my fathers SBI bank passbook as an proof.

please suggest and guide.

Rupojit Dutta
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