Bank asking for Settlement for a written off loan

Had a loan in Axis Bank. I put a top up to it. I was unable to pay after sometime. Loan was written off in Axis Bank which I did not know. Approached HDFC bank for Balance Transfer and they did not do it as it was written off. Executive tells me Balance Transfer was made. I did not check my statements. I paid 10 installments in HDFC and then could not continue. Thinking that everything is settled with Axis and only pending is HDFC 1. HDFC asked for One time settlement and I gave it and I got NOC. 2. Went to Axis bank and got NOC to the loans and they gave it. 3. I have no dues ... that's what they said. So I am clear of both HDFC and Axis 4. But there is a call after 5 years after write-off from Axis Bank 5. I don't have money to pay They called and are asking to settle immediately. I have not gone into the settlement talks as I am reviewing my accounts. Question1: What will the bank guys do to me ? Question2: All the resources have run out in settling my HDFC one time settlement. I cannot go in for a settlement to this written off loan now ? What is the best course of action Question3: What are the consequences ? Question4: What are my rights ? (The guy simply shouts over phone and asking for settlement that I have cheated)