Citibank Credit Card — citibank looting taking for granted

Address:	30 Gokulpura, Govind Nagar Vistar, Jaipur, Rajasthan, 302012
Website:	www.citibank.co.in

Dear all,

I took a loan on credit card from citi bank for rs. 3 lacs for 48 months @ 20% roi. It was urgently required so there was no time to apply for personal loan from other banks. I thought i would be doing a balance transfer later from other bank with less roi. Emi was around 11k per month. I paid the emi for 11 or 12 months i. E. 1.32 lacs. Later on, i had professional and personal issues due to which i was not able to pay the emi.in between i tried for balance transfer from other bank but due to on going loan i was denied. I even told customer care about my issues as i was very loyal in my credit card payment. I had around 14000 reward points. I took loan on my other credit card at low interest for paying citi bank. The loan was 1.31 lacs. I told citi bank about paying part payment so that my emi can be decreased. They denied for part payment. Then later on i paid that 1.30 to citi bank as they were charing lot of interest on my card. Then again i stated them regarding my issues and assured them i will be paying the amount in full (Whatever is remaining). Just let me get a job. I told my family regarding this. They again gave me 1.21 lacs which was showing due. I asked the bank about total due but they told they will be able to tell when i will make 1.21 lacs payment. I made a payment by taking it from my family. Now when i asked them, they are saying 2.40 lacs is still remaining. I mean, we are middle class people. I have a home loan on my head and citi bank keep on demanding money. What should i do? Please suggest. I am in a big mess. I was delaying any payment on my credit card. I was spending the amount which i could pay. My cibil was totally spoil. I even received called for settlement but i thought would pay them just not to see the "settled" tag on my account. I would not be getting any loan in future when the account will show the settled tag. However, what one should do in this kind of situation? They force the customer to be defaulter or settle the account. Now they are offering me settlement of 1.70 lacs. Before, i paid them 1.21 lacs they were offering me settlement of 2 lacs. I didn't opted settlement as i wanted to pay in full. Please help and suggest...!!!