Hongkong & Shanghai Banking Corporation [Hsbc] — credit card settlement dispute

I had a credit card with HSBC which due to a excess billing issue I went and settled the same and paid Rs.30, 000/- by cash after reducing around 13, 000/- excess billed as told by the Collection agent and got an settlement letter in April 2007 without knowing at that time that the term settled used in the settlement letter is used for willful defaulters as a trap and also the promised closure letter never arrived. After this settlement and now after 12 years when I applied for a loan was given to understand that I have dispute with HSBC and still owe Rs.43, 000 and the status says filed a wilful defaulter suit. This is completely unfair and now over 12 years when I have paid, I am hoping a international brand such as yours will consider this closely and clear my rating in CIBIL and resolve the same. I have the copy of the settlement letter if you need. Hoping for the best. Regards George