[Resolved]  Standard Chartered Bank — UnEthical Processes

HEllo,
I was issued Standard Chartered Manhattan Credit Card in 2006, whihc I used for 4 months and decided to close it. I called up Standard Chartered Call Center and asked the lady to close it. I requested her to let me know what formalities I have to complete on my side. She said the card will be closed and somebody will get in touch with me. I had Rs. 16, 000 outstanding. I used to get calls from StanChart every 3-4 months but nobody bothered to explain me the logic behind outstanding amount, which kept mounting as days passed by.
No personal from StanChart visited me to clear the dues.

I have never received printed statements from StanChart for last 22 months and one fine day I get a call saying I have Rs. 59, 000 due and offerred me settlement of 20, 000.

This is crazy because, inspite of telling them to close my card, they did not do it and then called me after almost 2 years to tell me the outstanding amount. They threatned me saying if I do not pay the outstanding amount, my name will go into CIBIL records and I wont get loan or credit card from any other company.

Later they offerred me settlement of Rs. 16, 000. I refused to give them the settlement and instead asked them to give me a no due letter.

I also told them that I have never received statement for last 2 years.

Every other day somebody from StanCart comes to my home and leaves a note at my door. They are using these techniques to pressurize me and defame me in the society.

Please let me know what I should do.

1. Is there any way to correct the records in CIBIL.
2. I feel currently CIBIL is only one-sided and banks have monopoly on it.
3. What should be my next course of action for StanChart?

thanks,
Nitin Y.