Email of invitation to conciliation as per provisions of section 62 on behalf of sbi credit cards

Hello lawyers, I had sbi credit card dues of 1,28,000 rs in 2018 but due to some financial problem i couldn't pay it,later on after 6 months in 2019 there recovery team contact me and they gave me 2 options of either to do settlement of loan in 85000 rs or pay full amount and take cibil clean up letter,I choosed to pay full amount as i didn't want bad cibil but requested them to convert the amount into emi's,they also told me that my account is npa and the amount is freeze and there will be no charges levied to you while paying emi's.So on there words i regurlarly paid emi's of 10000 rs every month after 8 months my outstanding was 48000 rs which is also mentioned in my sbi credit statement,but then i received call from sbi recovery team that your total outstanding is 65000 rs in there system,i was shocked and on my further enquiry they said you have been charged some charges every month as per sbi new rule.But nothing was informed to me about this rules or charges neither by email,call or sms. And they didn't even mentioned any amount charged to me in my credit card statement.I asked them if i am charged any fees or fine every month then why it is not mentioned in my statement which is the only means of customer to check the statement and know about his dues.why there is differences in statement amount and sbi system amount.Do customer go and check sbi database for there outstanding?to which there was no reply with them and later they stop receiving my calls. i felt cheated so i stop paying them and now after one year on 18th september 2020 i received an email from there advocates to come to there conciliation web online meeting on 24th september, During the said Conciliation Proceeding, you may express your difficulties in repayment of Outstanding Dues for reaching an amicable settlement/resolution between us, which would be mutually acceptable with your co-operation. The concerned Officials of my client will also be present for the same. Please note that in the event you fail to respond to this Conciliation Notice, on the expiry of Seven (7) working days from thedate of receipt of this notice, we would have peremptory instructions to initiate Civil and Criminal proceedings against you,which would be entirely at your risk, cost and consequences thereof. Please ignore this notice, if already paid..As stated by them in there notice As stated by them in there notice. my questions are 1)In my credit card statement till today my outstding showing 48000rs but in there notice outstding amount is 65000rs so how to proceed as i don't want settlement offered by them as i dont bad cibil but even i don't want to pay any extra charge to them 2)What are the chances of them to file court case in such pandemic time if i miss there meeting ? Due to lockdown here in mumbai i am not getting paid my salary and i will not be able pay anything immediately.So do i skip this meeting to get some more time but i also don't want to involve in court case.