HDFC Bank — black mail

Address:

Mumbai City, Maharashtra

Dear sir / madam!
I was HDFC credit card No:[protected], which had a crdit limt of 25000/-. due to finacial difculties i was un able to pay from sep 2009, so my total due bolloned to 50,000 some thing by april 2010. So when their agent approched be for a settlent with a promise of weaver i complied in good faith.
Now i find out in march 2011 not only am i in defaulers list my wife is also in it. just because the bank has issued a add on card in her name, which she has never used. when i wrote to the bank complaining and pointing out that how a add on card person be a defaulter when that person is not legaly liable for any outsanding on that card. His reply was even more shoking he game example of joint account and fds, but when i pointed out that a credit card is given to primery card holder on that persons credit ratting alone and not on add card member. His curt reply was that if i wanted to clear our name from the defaulters list, we must pay the full outstanding. This is nothng short but BLACKMAIL, and really wrong.