Standard Chartered Bank — Written Off Status on CIBIL Report

Address:

Mumbai City, Maharashtra

This was with reference to my Standard Chartered Bank Credit Card whose account was closed long back around March ‘2009 . For closing my Card Account, I had called Banks Customer Care number for an outstanding account on my card so can make an immediate payment and get my card accounts closed. After getting details of amount to be paid by Customer support officer I have paid payments to my SCB account and always had an understanding that Card had been closed with no outstanding left . But to my surprise, I got a call form SCB around year 2010 (don’t remember the month) about settlement for outstanding against my Card .When I had told them there was no outstanding in this card they called up to meet me in their Andheri office . Upon meeting them I was told I was told by them that there was outstanding payment of approx Rs.900 on my card which now been accumulated to approx .Rs.3000 for which I need to do immediate payment or else my name will blacklisted in cibil records. I explained my case as below 1. I never knew any balance outstanding on my Card as outstanding payment was made only after confirm banks customer support office. 2. I had never received any mail/hard copy of Card Statement from Bank detailing any of outstanding . 3. Or had never been communicated by Bank about any balances to be paid or any due amount. The card settlement team did gave me proposal for settlement by paying approx. Rs.900 which I never agreed to – as it was not mistake but banks and I have been victim of banks irresponsible negligence . Also explained them that my payments records for on this Standard Chartered Bank Credit Card was always been good and was always an good customer of bank . But my request failed on deaf ears of Card team as they were hardly accepting mistake from bank . Recently when one of credit card was rejected due to my written off cibil score, I came to know about that written off outstanding with the card was close to Rs.26000 . When I again had called them a year back - the settlement team inform him about negotiating with them on settlement for the closure of cibil score, which I feel is an blackmailing for no fault of mine. Appreciate i[censored] can help/ guide me how do I get this dispute resolved and how do I file a case with Standard Chartered on getting my dispute resolved ?