ICICIcredit Card — Managers dont know how to talk for settlement

I had received a letter for setlement of my credit card. When I called their numbers as listed in the letter, no one answers. Finally someone answered on 18/4/09 after 2 months of continuos calling and when asked whether anyone works there as I had been calling continuosly, they said yes finaly someone answered your call which means someone works..And the mand who was speaking was a Desk Service Manager - Rinku Raj Datta, Ph # [protected]. He didnt know how to talk at all, he was only insulting on the phone. In the past I have also put an NC on the bank as they were calling and giving me threats. When I asked him whether I can pay in 2 instalments he says " You want to pay the money, pay it in one installment, or else keep receiving letters. He tells me that you have pocketed (robbed) the bank..and it is the banks money and if you dont settle it we can do anything we want." Is this the way t talk to a customer. Even if I have a problem they should be willing to settle it in 2 installments, finally they are receiving the money bank. I want action to be taken on ICICI for talking so ruthlessly to customers.