UAE BANKS — credit card settlement

Address: Maharashtra

Dear sir, i have credit cards from two banks in uae.Mashreq and Rak bank, when i left in 2010 feb my dues were around 3500AED in both cards.for rak bank i had asked for credit shield, though it was not activated when i left.Now both the bank people are calling me,and asking more than double the amount.What should i offer them, how should i negotiate with them, how should i pay them. please guide.
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    UAE BANKS
    Maharashtra
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