[Resolved]  Axis Bank Credit Card — Axis bank Credit Card Bearing No: [protected] charging penalities over penalities though the card is terminated

Sir
I was having Axis bank Credit Card Bearing No: [protected].
In the month of Sep 2008, I dropped a cheque for the bill of Aug 2008.They received the cheque Unfortunately they have not realized the cheque and there is no information regarding that.
In the first week of OCT 2008 they informed me about not payment. When I told about the payment through cheque, they confirmed me that cheque is with them.
In Sept 2008 bill (raised in OC 2008) they levied a penality of Rs 250/- towards non payment of Aug bill.
When I Requested them over phone they confirmed that the penality & intrest will be reversed accordingly and asked me to pay remaining. I paid the bill except penality and intrest.
Problem started from there, They have not reveresed the penality & Intrest leived.
Since then I Stopped using the cards and requested through mails in Nov 2008, Dec 2008 and Jan 2009 for reversal of penalities and intrests.
But no positive responce received.
finally I mailed them to terminate the account and I Cut the card and dropped in ATM and intimated the same in Jan 2009.
Then I received an SMS from Bank Stating my Credit Card Services are temporarily unavailable.
But still every month they re go on building penalities over penalities and intrests which is making me uncomfortable
I forwarded this mail for a suitable advise/ solution for getrid of from this Credit Card Issue.
I have been carged for which I am not at fault and they go on chrging the same. when it will end
I am requesting you to kindly intervien and help me to come out of the problem
This is issue is diturbing my day to day works