[Resolved]  Standard Chartered Bank — Credit Information correction CIBIL

Hi Team, I was a proud owner of SCB credit card no[protected] once upon a time. Somewhere in May 2007 i deposited my cheque for credit card payment in a drop box at railway station in Mumbai western suburbs which was finally cleared by SCB team beyond due date. As per system, a default penalty fee of Rs 250 was levied in next bill. On contacting the executive i was assured that request has been placed for reversing due to exceptional circumstances and that i could proceed to pay remaining amount of principal on credit card. Now when i received the next bill, i was shocked to find not only the amount was not reversed but additional penalty of Rs 250 was levied whereby I contacted who said that this amounts cannot be reversed. As my trust was broken, i refrained from using the card any further and also did not make the payment and also my request for closure of credit card was denied. Over the years, the build up of compound interest was such that the amount of Rs 250/- (being penal interest and not any default of any principal amount) swelled to around 18k. Finally after negotiations the case was closed after a nominal payment looking to extraordinary circumstances and an assurance vide letter datd 13 May 2010 from SCB that all CIBIL records will be updated and corrected. Now I see that the records continue to reflect the defaults assumingly made by me (totaling to 25 cycles) which is hampering to forge any new relationship with SCB (both home loan and credit card) even when my credit score has been hovering around 800 (crossed 800 in recent past also). Can I request your intervention here and can you please clean up the records as was agreed vide your letter dated 13 May 2010 and our agreement.