Standard Chartered Complaints - Credit card reported in CIBIL after 5+ years

Hello,

A week ago, I applied for a home loan and I came to know that I have a non-payment entry against my name in CIBIL credit report. I enquired about it and came to know that Standard Chartered had reported it against some credit card which was issued in my name in year 2005. Now its been 5+ years. All these years Standard Chartered bank did not try to contact me. I received no phone calls, no emails and no letters in this time.

Now I want to settle the issue and have my name removed from CIBIL defaulters list but I can't seem to reach anyone in Standard Chartered. I visited their branch and they said I'll have to use the phone banking-CustomerCare. I called them up and I was asked to write a mail to Card.Services@in.standardchartered.com I wrote multiple mails but haven't received a response so far. r Customer Care is unable to provide any help and as per them my case is with Recovery/Settlement team; only they can help me in the matter. I have requested them to call back on my cellph.

My credit card was canceled due to poor billing services and banks inability to resolve the billing issue. I have sufficient artifacts (emails proofs) which will prove successful cancelation of my Standard Chartered credit card. But there was disagreement on the charges of Rs.757.14 which was as result of late fees/interest charges/service tax. But now that Rs.757.14/- has increased exponentially to Rs.18600/-. I do not want pay such huge amount for no mistake done by me.

I believe Banks are cheating customer with the help from CIBIL, and customer are clearly victimized here. I am clueless how to come out of this matter.

Seeking your help here as my loan application is pending and kept on hold.

Please help ASAP

Thank you.
Satish Waghmare