Sir, I used a SBI Credit card for 2 years and accordingly made the payments whenever purchases were made, except for a total sum of Rs 2000 (little less than this), which I was not sure as no card statement was sent to me for the entire duration. After 2 years when I received the statement, I am asked to pay Rs. 14000 (Approx), as due. For the last 2 yrs, I continuously received calls from SBI card and repeatedly told them to deliver a statement, which they did not. Not knowing, what was the actual amount, I refrained from making any further payments. I made purchases worth Rs. 40,000 (or more) and all are paid except the above sum. I received a letter from the solicitor for SBI card, asking for a settlement. They are not taking any responsibility for the delayed statement delivery, had that been provided to me, I would have left with no charges today. Please advice, what should I be doing for this. Warm Regards Ashrunil Roy