I had a SBI credit card and in the year 2007 cleared all pending charges. I called the SBI customer care and asked the rep the total amount to be paid for the closure of the credit card and i paid the amount through cheque. The amount was deducted from my bank account. I did not recieve the clearance certificate eventhough i paid the full amount. Meanwhile SBI kept sending reminders stating i still have outstanding balance to be paid eventhough i have paid in full and have proof of the same. I recieved a lawyers notice a couple of days back saying i have to pay Rs24,000. Please suggest the best course of action i can take.
you have to reply to legal notice . mention about letter sent by you for closure of card , amount deducted from your account and deny that you are liable to pay any amount to SBI. on receipt of reply most probably SBi wont porceed further