[Resolved]  Barclays Bank — Credit Card settlement - CIBIL

Hi Kotak team, This happened in the year 2008 and the early 2009... Due to Barclays bad collection dept., the late pymt. charges were increasing and hence i chose to discontinue with the CC [protected]<Child a/c>. I even have copy of the emails which i had sent in the yr 2008 too to back my story. I then made a final settlement of 30k following a confirmation from one of the reps that the other Rs. 400(which was a part of interest and not principle) shall be waved off considering my dissatisfaction with the service. Post this i cut the CC in 4 pieces and mailed to Barclays Bank Mumbai Branch(I have a copy of the mail). Shockingly enough, couple of months later i started getting calls from them saying now the due amount is not 400 but 6k<which was supposed to be waved off> ..and i need to pay the entire amount if i dont want my name in the CIBIL defaulters' list. And everytime i tried to reason with them about what had actually happened, they always give me the same reaction that they shall get back. And till date that has never happened, and since then i get a call every 4-5 months(this afternoon too!) from a new rep asking about the due payment. And, now the 6k is not interest but is recorded as principle...also my name is found in the CIBIL defaulters' list!! I am failing to get Credit cards, loans from other banks owing to this incident also because banks check CIBIL credit score / defaulters list before they approve. The depressing part is the Rs. 400 which i would've paid if i had known what it would become in 4 yrs' time, has been used as a Blackmail weapon to file in CIBIL, and now it is 6k Principle amount which according to Barclays is something i never paid...which is a BIG lie!!!! I am very upset and feel like committing suicide as my CC and loan application have both been rejected twice by 2 different banks, and without getting loans from banks i am unable to even help my family with basics like my sister's marriage/my child's education/house etc. My family is rejecting me because of this and i dont know what to do going forward...pl. help otherwise i wouldn't have a choice but to end my life soon.