[Resolved]  Citibank Credit Cards — credit card past due

Hi,
This is in reference to my citibank cards that i have, although making my payments on time for the total amount due at the beginning of the time i had the card, althoug workin out with the colection agencies to make my payment on time by EMI, these people asked me that they will send a letter stating my outstanding has converted into an EMI after taking the necessary approval has increased my outstanding on the card account. And as i was waiting assuming that these people takin an approvalthey used to ask me to issue them a check for a certain amount and they used to ask me to make a stop payment so that they can take an approval as they will have the case in their hands, and so i did. but then one fine day these people take out unauthorized payment from my bank a/c leaving my a/c to almost nil, and after a couple of days i was expecting my car loan that i have with other bank to get cleared but because of insufficient funds in the bank a/c it did not cleared and then they also contacted my office place to confirm my employment and also they informed the issue to the HR of the company which led a mental disturbance to me. And now he wants me to pay the EMI which i have agreed but i want them to teach a lesson as for what they did