[Resolved]  SBI Tata Credit Card — harrasment by SBI TATA Credit Card

I have been harrased by SBI TATA Credit Card Recovery people, now they have launched criminal case against me. It all began when i had a transaction Rs 30000 on my SBI TATA Credit Card in June 2007.To make payement for the same I had given a cheque to SBI TATA Credit Card representative.
I kept more than Rs 30000 in my account to get the cheque cleared . But even after three months the cheque clearance wasn't done . when I grew doubtful i called up at their helpline no to confirm about my payment and got the reply that the payment had been done on time.After that a letter from SBI TATA Credit Card came to me confirming that the payment has been done and no credit is outstanding.

After about three and half months i recieved call from SBI TATA Credit Card customer care people that my payment is due since the cheque i had given wasn't cleared there is outstanding balance on my card.

When I shouted at them as to why the payment was not done even after so long time and how did they sent payment confirmation letter to me, they replied that it was their system's fault . After that I made an arguement to remove the interest charges that they have levied for no fault of mine .But they refused and asked me to make full payment of the amount.

Since the amount grew big (about RS 50000) and I wasn't having enough cash at that moment, I requested them to convert to some loan so that i could repay by EMI's to which they refused, when the amount grew bigger, i requested them to transfer the balance amount to my other credit card, to which also they refused saying that the facilty is not available with them.

After continous harrasment by the customer care and recovery people i have paid about Rs 27000 by now and not sure how much more i need to pay back.

When I stoped making payment, they filed a case against me with charges of criminal proceedings.

Please suggest what can be done now .