HSBC - Imposing lot Of Late fee

I am a resident of Pune and I was a credit card holder of HSBC Gold visa card. I made a request to Close my Credit card account via Phone to Call Centre Executive in Nov’08, the executive told me that you have to pay some Rs 790.00 to settle the account. And I paid the amount, but the at the same time HSBC has stopped my Online Account of Credit Card so I was unable to Check the status and they put some late fees charges and they start deducting the minimum amount from my HSBC Saving Bank Account. When the Amount is finished from in the Bank then they start calling to My Home Address for the amount Due on my card. Now the Amount reached to around 10000.00 and they also put the Credit Card Yearly Charges when I call to HSBC customer Care they told me that I have to pay that amount to setllel my Account and saying that they have referred me to the nonpayment or defaulters list due to non payment of my credit card amount and legal action will be taken by the bank. I dont know what action should i take upon this bank.