[Resolved]  SBI Cards — Being charged for DD which was never delivered

One fine day in 2006, I was slapped with an fine amount of 31, 000 with other charges attached with it in my SBI Credit Card statement. On enquiry it was learned that the amount was for the Ready Cash DD. To my surprise, I had never requested for any such DD or did I get any DD in my hand.
I had been continously following up and logging complaints with SBI Customer Care...unfortunately no results came out.
To the worst of it after sometime I started getting calls from their Recovery Agents.
After being harsh my luck changed. The Principle amount of 31, 000 got reversed. But again due to lack of professionalism the interest on same was not reversed. Today the interest has amounted to 11, 700.22.
Once more the saga of calls from the recovery agents started. After many calls and exchanging of words, one of the recovery agents asked me to meet an Executive at GE Money, A-41 Vinmar House, MIDC Central Road, Andheri (E), Mumbai-93.
Somewhere in first half of Feb 2008, I met Mr. Ameya V Manohar (Executive-Payment Assistance Collection). After he verified the issue, he too was surprised with the entire 2yr episode. He directed/requested the Customer Care to reverse the interest amount being charged and asked me to check with him after 15 woking days.
Unfortunately, till date the issue has not been resolved and now the same executive is hard to find.
Finally I had no choice but to call the Customer Care once again. History was repeated and I was once again given a complaint number.
Today out of the blue I received a Demand Notice from Lawyers Inc. Advocates & Solicitors of SBI. The letter threatned me to pay up the amount or else to face legal procedings. Same has been duly signed by Advocate-Rajeev Agarwal.
I fail to understand...is there no coordination between the Customer Care, Recovery Agents and the head Office.
Why should I face all this, despite the fact being the I have been informing my issue from day one.
I want to know if they say i have received the DD where is the DD same time what is the proof that I have recd the DD. On what basis I am being mentally harrased.
Plz help me to get out of this unwanted mess.