[Resolved]  Barclay Credit Card — Bill of transaction even I never used the card

Sir,
I have Barclay credit card.( Card Number is [protected]) This point is important to know that upto now neither I used the card nor apply for any health policy.In the month of January, 2008 I received credit card Statement .In which theydemaded Rs.810.53/-as EMI interest and EMI capital. I could not understand for what this EMI was.On enquiring about EMI they respond me that a health policy is given to me. I told them that I have not applied for any health policy.Even I have not received any document or certificate about such policy.On 30 january I mail them about such fraud.They wrote
"Dear Mr. sisodia, We refer to your e-mail dated 30th January 2008 requesting for reversal of the ICICI Lombard insurance into your credit card account. At the outset we regret the inconvenience caused to you.As requested, having reversed the finance charges of Rs.4490/- levied to your account as reflected in your statement. Please note that the credit for this reversal will reflect in your next statement."
In the month of March, April and May they are continuously imposing late fee and penalties. I have talked them no. of times on phone . They accept their fault on phone and assure me to resolve the issue in 2-3 days. This happened so many times.But matter could not be resolved Now they are continuously disturbing me on phone.doing sms and mail.They have disturbed me so much that that I am mentally very much upset. Even I wrote them that if you disturb me again and again I will go to court for compensation being meatally harrased.Today they send me sms that they are handing over the case to third party and they will collect the amount by hook or by crook.