I was offered a credit card by HDFC bank in 2008, I only use credit cards for convenience and always paid my due in full. due to some problem with the bank (wrong address) i was not getting my bills, due to which a couple of payments got delayed. As soon as I was approached by the bank and they sent me a duplicate copy I cleared the amount in full. As the delay was due to not receiving the bill, they agreed to waive off the late fee and I also asked them to waive of the finance charges also. They put the request and I told the agent that I am clearing the entire amount towards purchases excluding the finance charge. I did the same and also sent a letter for closing the credit card in feb 2009. The bank, did not acknowledge the closure and kept on putting late fee and fin charge on the initial fin charges and started harassing me subsequently, even threatening on phone.
I reported the matter to my local HDFC branch and my relationship manager took up the issue and confirmed to me that it is settled. After almost a year I suddenly I got a letter informing about a lien worth Rs.16325.32 that they have put on my savings account with them. I again reported the matter to branch and asked them to settle it, but nothing happened and they finally debited my account for the entire amount. They moreover are saying that my account was closed by them in Dec 2009 though I sent the request in feb 2009.

I wish to know what are my rights in such a case and what action can I take against the bank through consumer court and/or RBI ombudsman.