Hi,

Recently I checked my credit report from CIBIL and it showed an amount of 14,654/- due from SCB.

I remember having a credit card from the bank in 2004-05, and I canceled that card by cutting the card and sending the same to the bank office in Chennai. I even received a letter from them which was unfortunately misplaced by me.

The reason for canceling the card was due to the bank charging yearly fees, which was initially promised as a free card. Since then I have never used or done any transactions on the credit card. To the best of my knowledge I had paid the entire amount due except for the annual charges.

I went to the bank and enquired and I was told that this being an old card, we are not able to share the transaction details with you.

What should I do. Should I go in for a settlement or should I contest this with the head office / Bank Ombudsman.

Regards,
Palanki Aditya