HDFC Bank — Credit card payment

My credit card usage outstanding was close to 2 Lakhs & I paid HDFC bank 2.3 Lakhs till date, after paying month on month for 2 years, which they term as Minimum Due.
Initially (In early 2014) I requested them several times to convert my entire spent to EMI since the amount was big. However, they refused to do so, every time I requested them through mailer. I have all the mails & their responses.
According to them, EMI can only be availed at the time of purchase, not after that. Whereas, other private bank (e.g Axis Bank) & nationalized bank (e.g SBI) provide EMI facility to customers even after purchase to enable proper & timely payment.
In the meantime, failing to avail EMI option from the bank, I tried to procure a personal loan from every possible sources, to pay off the entire debt at a time, as I understood that, paying the due this way with huge interest, my entire life would be gone & still the amount deducted from my total outstanding would be negligible.
But my CIBIL record was badly destroyed by that time by HDFC’s negative reporting, due to some late payments. Therefore, could not get approval for PL from any bank.
It was the same bank, couple of years back, which upgraded my card to Platinum Plus from Gold within few months of issuing & increased my credit limit twice in 1.5 years. Also called me end number of times to avail a pre-approved Personal Loan up to 5 Lakhs for being a valued customer with an excellent credit history.
I availed a PL of 2 Lakhs in 2008, from the same bank, which I paid back without missing a single EMI or any late payment. Still, I could not get a PL.
Since last 5 months I stopped paying this minimum amount due (Rs.10000) towards my CC. Now, they have taken hold of my bank account by putting lien & auto debited the entire amount left in the account, which eventually resulted in failure of my EMI of another loan, which I never defaulted & is going to end in few months.

Now, my only concern is, every month they are adding a huge interest amount & the outstanding has accumulated to 2.22 Lakhs as of today, even after paying 2.3 Lakhs till date. Since I have already paid more than the amount I spent, I stopped paying since January 2016.
Consequently, they are calling every possible person who is known to me & harassing them as well.
Please let me know what is the best possible way to come out of the situation?
Should I take legal help to sort out the issue or go for out of the court settlement?