I had outstanding balance Rs. 24000/-. I did the settlement with bank on dated 18th May 2003 with agreed settlement amount Rs. 17000/-
I had paid the payment by cheque on 26th May 2003 of Rs. 10000/- and the balance amount Rs. 7000/- paid by cash on 26th June 2003, I have a receipt of payment with me.
Bank executive told me in a week’s time I would received the clearance letter from bank. I haven’t received the clearance letter from the bank. After that bank e-mail me,
we wish to inform you that we have received payment of Rs.10, 000.00 and same has been credited in your statement dated 28th May 2003. We have also received payment of Rs. 5, 000.00 and credited to your card account on 26th June 2003. But the same was returned unpaid as the account was closed.

As on date the total outstanding on your card account is Rs. 14, 606.54.

After six years I haven’t received the clearance letter from the bank and bank put my name in CIBIL list. For above matter I will go to Consumer court