dear sir/madam

I recently applied for a car loan from State bank and the bank has rejected my application.
After repeated request the reason given to me was that the CIBIL report indicated that there was an outstanding amount of Rs.16,332 approx on HSBC credit card vide no 4476 9212 0857 2655 (Oct 2004 - Oct 2006) which was written off in July 2009.
Let me clarify that HSBC was not sending any statement (hard copy or e-statement) inspite of my several request and then i requested bank through their phone banking to cancelled my card after my full outstanding payment but HSBC had levied late payment charges + Financial charges for all my next statements.
Trust me I am going through a mental trauma as I have landed up in position where I have no clue about me being a defaulter in any of the banks.
I seek justice to get my name removed from the defaulter list with an immediate effect.
If HSBC is not willing to give me further clarifications on this outstanding amount, I am ready to drag them to court.

with regards
himanshu gangarde