[Resolved]  HDFC Bank — Remove name from CIBIL record

hi sir,
I am Ganesh Pandurang Bane. I had taken a Credit Card from hdfc bank 3 years ago. when i get the credit card, after 15 day's i recieved call from hdfc bank for mediclaim. they told me you get the free madiclaim policy with this credit card. but when i get the statment for this credit card for that month, they withdraw Rs. 3500/- from my credit card account. then i go to the bank and gave them a cansellation form for credit card & mediclaim policy. but they don't excepted this, & they told me you clear this amount of rs. 3500/- then they will close this things. but i had never paid this thats why my outstanding ammount was increased to 12000/-
then i decided to settlement of this issue & i have done the settlement of rs.9000/- with HDFC bank but they had already sent my name to CIBIL record as a defaulter of credit card.
& also i had clear all outstanding dues & also bank lose. I had gave total rs.16070/- for this issue to HDFC bank. but they do not get agree to remove my name from CIBIL record. they said, we will give you the NDL (No Dues Letter) to me. but that is not applicable for Loan. they need the CIBIL record.
now you tell me what i will do at this stage, I had already apply for personal Loan, but i can't get this without clearing the CIBIL record.
i[censored] hav doubts you can check my credit card statment by my credit card no. [protected]
please help me i am in serios trouble

thanks,
Ganesh Pandurang Bane