[Resolved]  Standard Chartered Bank / Credit Card — My name in defaulters list

Recently I have applied for a car loan in SBI. Bank informed me that my name is in the defaulters list of CIBIL. On enquiry I understand that my name is appearing in this list due to non-payment of Rs. 41814/- to Standard Chartered Bank, which is for Credit Card.
I wish to clarify following things on the said account.
On 05 FEB 2003, I received credit card statement from Standard Chartered Bank for the amount of Rs.10896. Out of which Rs. 3000 were for annual fee of the card for the next year. I paid Rs 7742 and asked them to reverse Rs 3000 as I did not wanted to keep the card for next year.
Surprisingly, next month bank sent me a statement showing Rs. 3000 as an outstanding amount. I talked to customer service officer and requested him to reverse this amount. At that time he offered me discount of Rs. 1000 on annual fees. I told customer service officer that I do not want to keep this card. He insisted that I should think for one month and He would reverse entire amount on a phone call if I do not wish avail their services.
Very next day I told customer service officer that I do not want to keep this card. In spite of this, bank kept on sending me their statements without even giving a new card. I repeatedly asked bank officer to close my account and reverse these charges. After three months, they stopped sending me the statement. Now to my surprise, my name is appearing in the defaulters list.
I strongly feel that this is unfair act on the account of Standard Chartered Bank to put my name in defaulters list. They cannot force me to use their card if I do not want it. Please let me know what are the options available with me to deal with this unfair act by the bank.

Looking forward to a suitable action at the earliest form your end.

Regards
Santosh Ballal