Citibank — citibank credit card charged double triple

Address:

Mumbai City, Maharashtra, 400067

Hi have a card of citi bank from 2014 and i was a regular person to pay the amount.
In 2015 i have resigned my job due to some reason and i have lost my home and now i m staying on rent. I have faced bad days from last 2 yrs. Now somehow i want to clear my dues which i have defaulted. But whe i asked for stattement they didnt send me and whe they have send half informatin i have seen i habe only 40 to 50 thousand outstanding guineune and they are telling me to py 3 lakhs to close the account. I have no job currently still i thought to conplete my outstanding atleast my principal amount whixh is genuinly i took from citi bank. I cant pay 3 alkhs for sure.

Pls tell me how will fight against them and i thinking to go lodge a complain fir against thrm whjch theu have chraged me heavily.

Pls suggest how should i move i want to pah the amount but only principal no matter whatever it is.

Thanks
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Daljeet