Consumer Redressal

The Standard Chartered Bank has settled my all credit cards accounts of Rupees around 70 Thousand in the month of December 2007 in Rs. 44000/-. I have paid the entire settled amount to the bank (receipts provided by the bank). I have paid the settled amount in the installments later on somehow after around 8 months bank has confirmed that the settled amount should be paid in one installment but that was not mentioned in the settlement letter and even bank has not informed me this after sending the settlement letter also not in between the period of 8 months. This was told after 8~9 months when i have paid almost maximum amount, after confirmation by the bank I have paid the entire balance amount thru cheque and bank has given me full & final payment receipt. After paying the entire amount bank has started putting pressure to resettled the accounts, but I was not in the condition of repayment since I have already paid the entire settled amount, they have not considered my payments and forced to settle again, which I have requested many time to the bank that it is not my fault, it is because of communication gap from bank side also I have no intention to default in the payment of bank, If it was told me in between the period I will definitely arrange and paid the entire amount but they have refused all my requests, later on they have started putting pressure on my family and many time they have misbehave and used unjustified language with my wife and parents, I was so frustrated then I have file a complaint in the SSP Office, Haridwar and send the notice to the bank thru my advocate then after a long time they have stopped calling. Now they have updated the unpaid amount in CBILL by Rs. more than 4 lac which I am not able to pay. Also I am not able to apply any type of loan from bank. Please help me since I have small kids and there are many requirements which as a chief of family I have to fulfilled.