Icici credit card default in cibil report
I had a credit card in 2008, in 2010 i waa travelling abroad so i called bank customer service and requested to close my credit card and the due amount of 20000 i said them that i have left cheque at my place and they can send the collection person..
I came back in 2011 and ICICI contacted me saying i owe them 41900.
I told them i am happy to pay 20000 as i had used that amount but the extra 21900 i cannot pay as i have not used card for a year and also had requested to close my card.
Bank did not agree so i did not pay the amount.
For last 10 years the credit card shows active on my cibil and i have not got any loan.
I had heard after 7 years the default will be removed from Cibil but its still there.
I dont want to pay ICICI as they have already made me suffer for last 10 years and i have not got any loan due to them.
How can i remove the credit card default from Cibil .
I am fed of bad cibil score. Its 682 but i am.not getting any loans dew to credit card default.
Please advise what i can do.