Amex Credit Card — haressment

Address:

Chennai, Tamil Nadu

This is say about Amex credit card's collection agent’s harassment. I was holding the CC till 2005 and i was in urge to close the card with a settlement. as per the settlement letter, i have to pay around Rs.28364/- In that i have paid Rs. 2100/- upfront and balance Rs. 6566/- x 4months and i have given postdated chqs. 2 of the chqs have been cleared. But before the third, all of a sudden they have deducted Rs. 1294/- from my bank through ECS. I was shocked and contacted the person who issued the settlement letter. She said she was not aware of it and asked me to call up Amex costumer care and ask them to stop ECS. My Problem starts there. I called up costumer care twice and they said me that my account was closed and you need to contact the person who gave the letter. (Hope that conversation was recorded by the bank; usually they record the conversation when you call customer care).
In spite of several calls, there was no response and hence i called up my personal bank and instructed them for stop payment for the rest 2 chqs. There were no calls from AMEX. In the mean time there was two more ECS of Rs. 1273 and 2577/- happened. I sent a register letter to the person who sent me the latter stating the position. She never replied. Suddenly the next month some collection agent came to my office regarding the chq bounce. I have explained everything and showed them everything. They said they will do the needful and they ask me to pay Rs. 1250 as that month due to solve the issue. I paid. The very next month there was another ECS happened for Rs. 3910/- I got irritated and called my bank and instructed them for stop payment. This happened on 04-10-06/-
Till then there was no calls. On 2007, 2008 they called me around May or June me and asked for the payment stating my chq bounce and harass me. Even though I have given my change of address, they went to my old address and harass my 75 year old father. I explained for those who called me and for those who came and meet me for collection. Every one said they will solve it and finally nothing happened.
Now after so many years, one lady called me up today and said she was a lawyer and calling on behalf of my chq bounce with Amex. She refused to say her name. As usual when I started explaining the old story, she started abusing me starting with [censored] in Tamil. I was shocked. On reply I asked her to mind her language and that’s it. I don’t want to say anything more on what she said. She finally said, I need to give more money than what has to be given to solve this (actually I need to give only Rs. 2828/- as per my final agreement) But they are asking Rs.24000/- + Interest for 5 years. I said I will not. She said she will send some one to my old address and do the needful. I explained her that I moved to a new place and told her that my old father lives there and I told her to come to my given address. She said one thing: “ I know how to collect the moneys from you “and disconnect the phone.

I was ready to pay the balance as per the letter issued. They have cheated me by tacking the monies through ECS and want me to pay more on my stop payment as chq bounce. The bank did’t respond my calls and letter by then and harassing me now. I am scared on my father now. Can any one advice me how to solve this problem.
In spite there is no mistake on me, I was harassed by these bank. Please help.
I have the number from where the phone call came; I have all the letter of communication. I have the details of ECS. Can some one help me?