HSBC Credit Card — Huge forced interest on waiver given

I had used HSBC gold credit card in late 2004 and early 2005 for two transactions. At the time of bill the bank had charged more interest as mentioned in the terms & conditions. So they had sent a representative to my place to sort out the conflict. I have made the payment accordingly and they had closed my card. Now in dec 2009 i have applied for a loan from sbi bank but they refused my loan because in the current cibil report my HSBC transaction's status is written off instead of cleared. Then i contacted the HSBC bank and the people there are saying that i have to pay more then 19000 to get the status cleared although i personally checked that there is zero outstanding due on my card as per their account details also. So please help me out in this because i am unable to find out that why and how the bank is charging me so huge on a small and genuine waiver.


K.K.Gupta
(m)-[protected], [protected]
Noida