Mr. Raju has given valuable advice. Kindly follow it.
You have mentioned in your post:
that you have the email communication vide which you had instructed the bank to cancel your card. Did you pay any amount as per your calculation as full and final payment? Did you receive any acknowledgment of your email or confirmation from the bank that your instructions have been complied with and card stands cancelled, and full and final statement of account is enclosed for payment and closure of account?
Usually all emails are automatically acknowledged by the server of the company.
Bank is under obligation to send you written communications, notices, under acknowledgment, to clear your bill and collections department follows up, and bank communicates to the customer that if the payment is not realized then they can report the credit history to CIBIL. All options have to be exhausted by the bank. Bank may engage recovery agencies duly approved by RBI, and bank is under obligation to supply the details and contact details of the recovery agency to customer. You are within your rights to ask the bank to supply you the RBI license number of this SAHA, or you can ask RBI whether this SAHA approved by them, and whether SCB sought approval of SAHA to be employed as their recovery agency.
Bank had your email id in their record and apparently bank has not supplied you any communication.
RBI has authorized the banks to set their fee up to a maximum amount of Rs.50/- for supplying the credit report of the customer. You could ask for it from the bank.
You can find these details at the website of RBI.
Hope you maintained the call records, i.e. date and time, phone number with STD code, name of the called person, and similarly for the calls received by you, and the bill of calls made by you, and bill of photocopies, courier/redg. Post etc sent by you, etc.... You may prepare a separate expense statement and claim the amount from SCB.
You shall find at CIBIL site that bank can file the status as Status: Options include: Suit filed, Willful default, Suit filed (Willful Default), Written off, Suit filed and written off, Willful default and written off, and Suit filed (willful default) and written off. You can check the details at: Your CIBIL credit report, in CIBIL site.
Hence even if you pay bank shall report one of these statuses. You shall need to obtain an order from BO/ forum/court to clean your credit history, stating bank was at fault, to CIBIL. However you are well within your rights to ask for the copies of the communications/letters/emails written by the principle SCB or its associates to CIBIL to include your name in the negative feedback list/defaulters, and also after you have won your case. Normally bank shall not give It., and they shall opt to give a copy of the CIBIL report, which implies that you shall still not get the status and cause reported by the bank, while bank after even a small clue shall ask for exhaustive reports from CIBIL.
RBIO has also approved new credit rating agencies in addition to CIBIL.
For lowering your prestige and defaming you and also threatening and coercing approach ("Dena toh aapko padega, nahi toh..pause") you can lodge civil/criminal complaints.
In another case posted in the forum SBI card promptly contacted the consumer and resolved the issue.
Please don’t think that you are alone!
Attachments mentioned by you at 1, 2,3,6,7 are not found.