[Resolved]  State Bank of India — online fraud transaction

Dear Sir,
I am Dhiraj Shivpuje.I work with axis bank IT department.I had SBI credit card.I had started using this card from april07.In the month of November 2007 five online fraudulant transcations had happened on my card(amounting to around 60000).All were airline ticket booked in india from different online sites.(one of the transacation got reversed from site of 12000 rupees).As sms was not provided for these transcation ,I came to know about these transcation when I had received sms for my dues.Immediately,I called call center person,he had asked me to fill the dispute form for these transacation.Then matter was under investigation.After 4-6 months,they said dispute is in bank's favour and you have to pay the amount.I asked for investigation report ,but they had not provided me the report.After that they harrased me for six months through phone calls.I visited there local helpdesk in mahim,mumbai.They said that they will check internally for any reversal,After that I stopped getting calls.But these people also were unable to provide investgation details.Now,these people are asking me to negotiate the amount after 24 months .But I think they have not done any investigation yet. after interest part my dues are around 1.3 lacs till date.
As they have not provided any investigation details ,I have not filed any complaint to police.Also ,I am planning to file a case against them in consumer court. I don't know for fraud transacation who is liable? and what is the law?. These people are saying data has been compromised from my side without any investigation.
Plz help .

Regards,
Dhiraj