Standard Chartered Bank — Wrong Dues on Credit Card

Address:

Gurgaon, Haryana

Hello

This is Gurmeet Singh. In Sep'05 i had used SCB Credit Card worth INR 7074.09/- which as per Bank's records, cheque payment got credited 15 days late after Due Date in Oct'05. I had deposited cheque well in time, don't know why this got credited Late in their System?

Its these Late Charges & Interest Amount ~ INR 500/- in Oct'2005 which have become INR 41161/- till date. This Pending Payment came to my notice when i got my CIBIL-CIR Report.

During these Last Eight Years, I had never received any Call/Mail/E-Mail from SCB bank, that i need to pay this due amount. Also, I have not used SCB Credit Card in these eight years (assuming Card is Closed as I have already paid due amount way-back). Bank has already closed this Card in 2006 but kept on charging interest and late charges without any notice/intimation to me.

I approached SCB bank, DLF Cybercity Gurgaon Branch, Their Collection team is demanding INR 13000/- for obtaining No Due Certificate on this Credit Card. Is this amount Justified taking into consideration above mentioned facts?? Why should i pay so much amount for which i am not at fault??????

Please help.