Axis Bank — fair settlement for the credit card

I am writing this with regards to my credit card bill payment. My credit card number is xxxx xxxx xxxx 8120. Due to wrong information given by the bank executives my credit card was blocked. Even after that i payed the credit card bills through a third party. Then also the problem was not solved therefore i stopped paying the bills of my credit card.
Now i received a bill of amount rs. 99, 000 and also the loan amount of higher interest. They informed me that the total due of my credit card bill is rs 2, 40, 000.

This is to inform you that i cannot pay this amount as my family has fallen under hard time in recent times, but i do want to settle this in a fair and just manner so that you can have the money you deserve and we can be relieved of the burden of owing you this debt.

I will be able to give 20% of my debts. If the bank agrees to settle with this amount, i shall be clearing their dues within the next 5 business days. More than 20% is not affordable for me in the present situation.

I am clearly stating that due to the unprofessional behaviour of the bank towards me i will not be continuing any relationship with the bank anymore and close my credit account as soon as possible.

I am ready to settle this as soon as i get the confirmation from your side.

Please reach out my registered mobile number

Thank you