[Resolved]  Standard Chartered Bank Credit Card — Intimidation by the Bank

I used to hold the following cards (as per SCB [protected] & [protected]) of Standard Chartered Bank. The cards were issued to me in the year 2002 or 2003 as far my knowledge goes when I used to stay in bangalore. In september '2003 I shifted to Delhi. In March '2004 I again shifted to Jamshedpur. Before coming to Jamshedpur I cleared all my dues upto March '2004 and returned the card after cutting it into 4 pieces to the Canaught Place Branch in Delhi.
After about 5 years I received a call from some representative of SCB, as I was informed, on 13th October 2008. I was informed that I have dues of about Rs. 33000 on my two above cards. (the card nos were given to me at that time). After abotu 3 years and seeing no response from the SCB I scrapped all my SCB records so had to believe that the above two card were Issued to me. I also had no option to verify the same at Jamshedpur about the details of the above cards.
Again I was given a call on 13th Nov '08 with an offer to pay Rs. 3080 against my dues to close the account. I requested to know how these liability built up on me when I had cleared all my dues before returning the card. But I could not be provided with any details about the same.
I apprehend that the SCB would have levied the up-front annual fee in the month of Apr '04 and due to non payment of the same the interest and late fine would have been imposed since then.
Recently I came to know that my name appears as credit defaulter in the CIBIL and I am not issued any card or any loan.
I have written many times about this to the bank but no response has yet been received except a call in the month of Dec '09 saying that I will have to pay Rs.25k to close my accounts.
I am now looking for help. Please guide me on the issue.

Regard,
Manish Kumar Srivastava