Sir, I was holding a credit card from stand chartered in the year 2001. I have paid the total outstanding amount in the month of november 2001 and decided to close the card becase it was inflating my budget. insipite of sending letters and reminders.. the credit card status in my account now shows an outstanding of 3.75 lacs. wherein i have not availed any of the services from the afore said credit card company from october 2001 have paid in full. The company now says that there is an outstanding of rs.22,000 pricipal which accruded interest over the years and is now.. 3.75 lacs. and they dont have records nor do i.. for the rs.22,000, and is reflecting on the cibil rating.. which is a black mark.. for no fault of the customer. please guide as to, how do we take it forward. As we dont intend cheating anybody nor want to pay for others miscommunication.