HDFC Bank — credit card settlement
I had a card with the limit of 10, 000 rs I used 8, 000rs . then i came back to my home town thinking that i will get the bank receipts to my Permanent address also .
Now after 2 years when i have received the call from the bank they tell me that my outstanding amount is around 35, 000rs which i cannot pay . I spoke to a news channel they told me that i can ask the bank to tell me an amount where the interest and the excess charges are removed, But the bank will levy certain charges which shall help me to remove the name from the CIBIL List, i tried to explain the same to the agent who has been calling me for few days but he says this is not possible . He asks me to pay the amount of 18, 000 rs and says that i would get the No Objection Certificate rfom the bank, but cannot comment about the name being removed from the list .
There is no point in paying such amount which shall not help me to make my history clear, I know it was my mistake but now i want to correct it and want to make the history clear so please help me with this and let me know the exact procedures for this
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