Standard Chartered Credit Card — WRONG CHARGES in Credit Card

This is to inform you that approximately 2 years back I had opened a savings account with StanC bank and at that point of time, I was also given a credit card, the details of which are as below:

Card No.: [protected]
Name on Card: SUPRATIK BHATTACHARYA
Valid from: 11/11
Valid Thru: 11/16

I was assured by the bank people that there are NO charges at all for the credit card. I have used it only once which I had already paid at that time within the due date. After that, it has been more than 12 months that I have not used this card for any transactions.

10 months earlier I had closed my Savings account.

Now, I have been charged 750/- as annual charges (which I knew wont apply in my case). The bank is now trying to debit my savings account to resolve my credit card dues. But as I currently don't have any savings account, the amount gets returned every time and my card gets charged at all times.(late fees, return charges,interest etc...)

When I called up the helpline for credit cards, I was told that I should have informed the credit card department that I have closed my savings account. That sounded a bit rude to me. I do not think its the customer's responsibility to call up the different departments of the bank to provide updates.

I, myself have worked in a bank in operations department for 2 years and I believe that all details of any account is easily available from the system itself.

So, I requested them to please investigate my issue if the charges(return charges, late charges and fees etc. including accrued interest) can be reversed at the earliest.

As far as the annual charges are concerned, although I was informed different while taking the new credit card, I don't mind paying the annual charge of Rs. 750.00.

I also visited the Branch Manager of StanC bank couple of weeks back. Told everything and the manager supported me.

Today I got a reply from the manager saying that "the charges are the annual fee that is debited and therefore the same cannot be reversed."

Now my question is:

Why will the amount get debited from my Savings account where I don't even have one?
I did not provide any standing instructions(SI) to the bank regarding this.

First of all, the bank tries to debit my savings account which I dont have and then when this gets returned, late fee, charges, interest and etc all kinds of things are levied to make the amount from 750/- to 6033/-

When I have not given any SI to the bank, they should not debit a pseudo savings account which does not even exist to harass the customer.

Moreover, when I started this discussion with you, my outstanding was showing 4186/- and now it has risen to 6033/- or more.
The logic says that if the decision has been delayed from your end even after mailing you 3 times, thats not the customers fault. Logically speaking the account should have made frozen when the discussions started.

Hence, frankly speaking, I see multiple faults from the banks end.
So, I demand a proper reasoning and an authentic address, contact of some office in Bangalore, where I can visit someone PERSONALLY to resolve this credit card issue.