Dear Sir,

i m a middilclass service man i had credit cards with me of a diffrent banks in 2006 to 2008 but after a bad experiance about charges with one or two banks i put all cards sarrander with all banks with there outstanding.
now my name is showing in CIBIL report due to banks had not send recipt payment information of CIBIl, actuly now even banks say that u need to pay 25000/- more which is showing outstanding with ur cards but i was alrady paid this amount in cash to the recovery officers appointed by banks now they are saying that there is no amount i recived from any of our agent. so tall me it is my foult that there agents recover money from me and not submited to banks. even i had recipt of same but due to renovation and transfer i got it lost.
now what can i do please helf me.