HSBC Credit Card — HSBC is the world’s local bank because they make banking experience worst by adopting the local strategy of the country’s other banks!!!

I had a HSBC GOld credit card, I had requested to close this card in 2005. I was not using this card since that. I was on the same address till Dec 2006. Never received any statement till that, so that I thought bank has closed the card. in Dec 2008 I received a call from delhi from one of the collection agency of HSBC. claiming that I have soem out standing on the card. I asked to provide me statement, he started using abusive languaeg. After that I requested to bank to provide me statement in writing, I have received statement after 6 weeks till that I had paid the ammount for which he was asking for. After receiving the statement I found that Bank has applied Rs 2000 as annual charges per year and the ammount had became 16000+.
All I just paid for the annual charges and nothing else. When I spoke to the bank they were just showing that bank is trying to help me and no need to pay if the charges are just annual charges. But no one helped me.