HDFC Credit Card
Card settelment

I was holding credit card of hdfc bank .due to some financial crisis i cant make regular payment so i contact them for any kind of settlement . they made a settelment for 48000 thousand for 8 month, that time i refused to accept that settelment due to the heavy emi i.e 8000 per month. but the settelment department suggested me to pay the minimum due and i totally paid amount of rs.27, 500 to them till this date for my total outstanding of rs.48, 000. after making my 5th emi the settelment recovery deppt said that they have increased my emi term to 12.at the last movement now they are asking for the rest i.e 20500rs to pay .its not possible for me to pay this heavy amount at a time. i request to pls suggest way ahead.

i have recording of the conversation with the settelment deptt. that my emi tenure has increased.

any help is appreciated.

thanks