Kotak Mahindra Bank — annual fees waiver

Address:380059

My credit cards bank was told me at the time of issue card that credit card is free for life time than also they charged me annual fees and i have requested to cancel the card but they told that first you pay fees and late payment charge with interest. They are harassing me to make the payment for which i am not supposed to be paying. Please help me. I have submitted the dispute forms and done all procedures but still problem is not solved.
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My kotak 811 sb a/c no. [protected] was debited for rs.118/- on[protected] as charges, i have opted for e-statements only and have not received any hardcopies of the statements, as it is a digital savings account, i request to credit the said amount to my account asap.

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    27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai, Maharashtra, India - 400051
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