[Resolved]  Shaha Finlease — fraudulent transaction on standard chartered credit card / claim from shaha finlease

Hi

* I was living in Bangalore from 1997 till 2007 Feb. I had the credit card with Standard Chartered bank till 2004 for about 3 + yrs. I had always maintained a healthy transaction / clearance & good reputation with no late fees ever & thus a clean image, * In 2004 there was a fraudulent transaction on my card. Still, I had paid about 5+ k rupees more than what was rightly due & used by me
* I had lodged complaint with Standard Chartered bank, asking them to reverse the wrong charge levied against my card. I had written emails to them from my office mail id (as that was in their contact records), I had sent them fax messages. I personally visited the bank on MG Road Bangalore and submitted a letter disputing the wrong levied charges. Further there was absolutely no communication from bank side to me. So, I assumed that the card account is closed & matter ended
* Then I left India in 2007 for an overseas assignment. Till then I was using the same mobile number (that was provided by the office and had to return on the last day in office), that was in records of the bank
* The card was invalidated since 2004 May or so. Though I was in Bangalore at the same company under same mobile number, I had absolutely no calls / mails from the bank till I left
* In 2016, I received a call from the bank, on my overseas mobile number, stating that I still owe them and the total charges are now at 3.2 Lakh Rupee. I countered them that actually the bank should pay me back for that excess amount I had paid. The guy from bank was offering to negotiate - but the call was abruptly ended. After that I did not get any call from them
* Till Jun 2019, I have had NO call or communication from the bank. Now, a lady from Shaha Finlease called me stating that they are authroised by the bank to recover the amount, which is now staggering at 40+L due to interest. I countered that instead they should pay me that amount as I had paid extra to the bank than what was my due. I told her till 2007, I was very much in Bangalore, at same location & contact number, but the Standard Chartered bank never contacted me then, so why now? She was saying I was not available at the address & number in their records. I asked she could approach my previous office or police to check & confirm my domicile there then till 2007
* Now Shaha Finlease is kind of mentally harassing me - by calling my colleagues in the current oraganisation & naming me. My colleagues have already stated that the current company has no connection what so ever as I joined here only on 2007 & also that it is my personal matter.
* The calls from Shaha Finlease to my colleagues in office is tarnishing my image. It is also mentally disturbing me as this is affecting my office functioning.

Can some body pl advice me how should I tackle this case. Why should I pay anybody that I never owed them? Can I sue this company Shaha Finlease for trying to defame me, tarnish my image & mentally torturing me?

Pl advice. Thanks in advance.

Thanks,
AG