Hello,

I Had Standard Chartered credit card from 2001 to 2006.
While giving the card it was told that it is "FREE" card and there is no annual fees charged for the same. (Oral confirmation - No proof). Post that, each year during the month of October, the card fees used to be part of the card statement. Each time I used to call customer care and got it reversed.

During Oct 2006, the customer care lady refused to cancel the card fees. I decided to cancel the credit card and asked her to tell me the balance due without any card fees. She told that there is total outstanding of Rs. 905/-(Again Oral confirmation - No proof ) . I have repeatedly asked and confirmed the amount and she confirmed so. I have also asked her if can I distroy the cards post paying Rs. 905/-. She told me to wait till I will get confirmation from customer care about closure in next 2-3 weeks.
I never got any confirmation on the contrary, I got statement during the next month with some Rs. 800/- . I have asked about Rs. 905/-. It is being told that they have not received the amount and asked me to share the my Bank statement from which the cheque got debited. I have shared my Bank statement clearly indicating the record. Mean time I am getting the statements with increased late dues every month. During Nov 2006, I finally visited the bank office for closing this once for all. After showing all the past statements and emails, I have settled this amount by paying Rs. 1500/- (
Against total Rs. 6000 odd ). Bank has also given me full and final settlement letter and the receipt.

Now recently I got to know that my CIBIL report shows status as "WRITTEN
OFF" with 0 (Zero) overdue. I have some questions.

1. Does Full and Final Settlement letter does not mean account closure?
2. If yes, Why the status is marked as "WRITTEN OFF"
3. How to change this status ? (Now I have already sent the mail to Standard Chartered and waiting for their response) . IF I am not going to get any reply withing next 20 days, I am going to report this to area Bank Ombudsman

Any other way to change this "WRITTEN OFF" Status?

Regards,
Nitin