[Resolved]  HDFC Bank/Credit Card — return policy money & remove name from CIBIL

hi sir,
I am Harish Kumar Sharma. I had taken a Credit Card from hdfc bank 1 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 call to the bank and said them to cancel my 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 after some months a person with name Mr. sanjeev Vohra call to my father & told them that he is a advocate & he has a case of mine & if i will not paid the minimum amount of 6000 he will process the case in court. then I talk to him & told that I still not recived mediclaim policy paper & about the bank. but he was not ready to listen anything. then I decided to settlement of this issue & i have done the settlement of rs.6000/- 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.6000/- 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 still not recived mediclaim policy papers. now i want that they remove my name from CIBIL record & return my policy money .

please help me i am in serios trouble