Standard Chartered Bank - Kolkata — complaint against the bad mental pressure from recovery agent

Dear Sir,
Please let me have the pleasure to introduce myself. I am Saibal Bose retired telecom consultant and staying in Navi Mumbai. When I was in Kolkata SCB Kolkata issued credit Card in the year of 1999-01(In between) and continue used by myself till 2002-03 . Due to job change I was shifted to Mumbai and staying mentioned address last 8 years. Last two days before someone Called and treating me from Shahafinlease - Bangalore ( Advocate S.K Basist- [protected])that he will be issue legal process against me due to none payment of dues Rs. 85500/- where as per the attached statement outstanding was only Rs. 2100/-+ Interest and nether got any intimation for last 8 years. Under mental pressure I have already deposited Rs. 20,000(Trans. no. MHDF[protected] on 20th July.). Pls. let me know how this amount accumulated without any notice? Is bank nominated such recovery agent who is treating me? What is the current outstanding? Why bank not sending any official statement for the same? What basis I will upload payment? And how much is current outstanding.
Last but not the least I need your proper judgment for the same with your kind consideration that how this matter will be solicited happily.
Thank and Regards
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THE SAME THING IS HAPPENED WITH ME ALSO, YESTERDAY SOME SATBIR CHOWDHURY CALLED ME FROM MUMBAI AND ASKED ME TO TALK TO MR S K BASIST REGARDING TO MY OUTSTANDING, OTHERWISE HE WILL SEND LEGAL NOTICE.ACCORDING TO THEM MY OUTSTANDING IS SHOWING AROUND 7 LAC.BUT ACCORDING TO ME IT WAS NOT MORE THAN 21000.IN THE YEAR 2001 ONE RECOVERY AGENT CAME TO ME AND ASKED FOR SETTELMENT, I WAS AGREED, AND I ASKED HIM COME WITH THE SETTELMENT LETTER AND TAKE THE MONEY, BUT THAT AGENT DIDN'T TURNED UP.THAT TIME I WAS IN A POSITION TO SETTEL THE ACCOUNT WITH THE SMALL AMOUNT, BUT AFTER 10 YEARS RIGHT NOW I AM DOING SOME VERY SMALL BUSINESS.AND I AM HIGHLY EAGER TO SETTEL MY ACCOUNT WITH A MONTHLY EMI.
THIS IS ONE MORE INFORMATION THAT BANK COMES TO ME TO GIVE THE CREDIT CARD, I DID'NT GO TO THE BANK FOR CREDIT.

REGARDS

MANOJIT

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