Standard Chartered Credit Card — Receiving Bill without Credit Card.

Sir,
I am facing the same problem now. Please also do suggest me how to go about with this.
I am N.Dhanalakshmi and I possessed a standard chartered credit card in the year 2004. I cleared all my debts in the month of December and I returned their card. In the month of January'2005 they sent a bill of Rs.2200, for which they said it was for a new credit card. I returned the card along with a letter mentioning that I do not require any more credit cards, but I kept receiving statements until the month of May. Then I spoke to the customer care and also passed on a letter to the officer demanding immediate closure of this card for which I have not applied at all. Then on I received no statements at all, except for one in which it is mentioned that your credit card has become ineffective. I have all the statements and copies of letters that I have written to the company as well. Now when I applied for a car loan they said it cannot be processed as there is a credit on your name for about 40000. I was shocked as I now do not use any credit cards and I am always very clean about my financial matters. Now they are mentally torturing me and demanding me for this lump-sum amount. I at this age(56), am suffering from such pressures for which I am not responsible at all. Kindly help me and guide me how to go about with this. When I spoke to the manager, he is now demanding for Rs.23000. Why should I pay so much? And moreover, they do not want to give a letter stating you pay so much and we shall give your "NOC". Please guide me through this.