[Resolved]  Infosys Technologies Ltd — HSBC CREDIT CARD >GIVING A TATA AIG POLICY WITH ITS CREDIT CARD.

I had applied for a HSBC credit card in the month of June, which was received on 28 th July 2008.
I had made a purchase of about 3800.00 RS on 15 th August . I received a call from HSBC on 3 sep 2008 stating that my outstanding balance was 5300.00, for which no bill was posted to me .I had consulted HSBC Customer care centre for a clarification for this during which I learnt that I have been charged with a Late fee of 400.00 plus there were two premium paid for a TATA AIG policy each Rs 500.I had asked the Cust Care exe. To immediately cancel this policy as I had not applied for it.
During which I was intimated that I would have to pay the first premium on RS 500 as I had not cancelled this policy within 20 days. They also offered me certain bonus points if I paid this amount.I repaid my actual outstanding balance for which I had made a purchase of Rs. 3800 immediately, but I did not pay the 500 RS which was premium for the policy.
In the following month I intimated HSBC that I have crushed/lost their card and no longer wish to use it. I also visited HSBC office at SB Road Pune, which asked me call Customer Care directly as they don’t deal with Credit card queries. I made several requests through email to [protected]@hsbc.co.in after which I was emailed this scanned copy of the document I had signed .My complaint no. was Reference Number: [protected]. Email Subject as per HSBC

I wish to let you know that I this document was signed in complete ignorance, that I was signing the documents for the application of the credit card I promised by the agent.I also did not receive ant TATA AIG policy with this credit card so that I could cancel it within 20 days.
Now I have been getting threatening calls from HSBC recovery department stating that my outstanding balance is around 3500.00 ( 500 .00+ interest).
They are asking me to pay atleast 1000.00 Rs to settle this matter.
I feel completely cheated ans misguided all the way.
Please help me out of this.