I had a credit card of Standard Chartered in 2005. One of the statements were late and hence I could not make the payment. When I received the next statement, I made the payment for only my purchases and not the late charges, as it was the Banks fault. I then wrote to the bank regarding the delay in the statement. However, did not receive any communication from them.

Subsequently, I had used other credit cards, including Manhattan credit card, ICICI Credit card etc..

Recently, any request for new credit cards have been rejected, which I don't mind. I have also been receiving calls from supposedly Stanchart asking for defaulted payment, to which I continuously repeated my explanation. I have even asked for details of my purchases on which I defaulted, however, I am yet to receive any communication from the bank. The calls however still continue, at work as well as at home.

I don't have any details, including card no. or other documents. I don't feel that I am liable, since it is the BANKS MISTAKE IN THE FIRST PLACE.

Please do help, and advise course of action to close out this issue.