HDFC Cfredit Card
Even after closing the Credit card they come back and say i have to pay the money

Hi,

I was holidng the HDFC Credit card (4346771000649583) and i have used it till 2006. After that i was unable to pay the monthly payments and i ahd a discussion with them and got the settlement offer of paying Rs 42, 000 and close the card.

I have got the offer letter from them on 26-09 and i ahve done the payment through cheque on the same day.

After 2 years (June) i got a call from HDFC Credit card department asking whether i have any settlement letter or not and i said no, immidatly they blocked my HDFC Savings account funds.

When i enquired with them they said i havent done any payment and the payment is due. Luckily i was holding the Settlement Offer letter and when i have faxed that they actiavted my savings account.

Now again on 16-11 they again holding my funds within my savings account (HDFC Banl account) and sent me a notice saying that i have to do the payment.

I am not sure what i need to do? I am having the settlement offer letter and the compliant i have lodged in 2008 as well.

Can i take any legal action on them? I cannot use my funds and i am mentally suffering because i cannot use my funds for my day to day usage.

Thanks

Jayaprakash Reddy