[Resolved]  HDFC Bank — Charge-back issue

I got a charge-back of Rs.4692.98 from IRCTC on 02-July-08 against the cancellation of one of my ticket of Rs.4784.60 on 30-Jun-08 but HDFC bank is not ready to give me the credit of that charge-back and imposing the financial charges in my card. I have send the dispute latters and mails to them so many times but all in vain. They are not ready to accept the mistake of their end and system.
I'm following this issue with bank from the last 6 months but their customer care executives are not wel aware about my issue and every time they make a false promise to me for resolving my issue but problem is still exist. I have confirmed with IRCTC regarding that charge-back and they provided me the proof of the cancellation and charge-back and that proof i have already forwarded to bank many times but they are not considering that proof. I still using my HDFC card and paying my monthly charges honestly after deducting that charge-back amount but in-spite of that bank has put my name in (CIVIL) and due to this i'm unable to get other banking facilities like loan etc. and this is very embarassing situation for me.
my card no. is [protected]. Plz help me get rid out of this situation.