HDFC Bank — yet to receive noc and account on hold with negative balance

Address: Gurgaon

Hi team,

I was using credit card for good 3yrs and above but due to financial issues i had to settle my credit card payment. My outstanding amount was of 58000 but the bank settled it to 45000 without any discussion... They said this is what the policy is nowadays... I agreed and paid my settlement amount in 6 installments starting from dec'19 till may'20... I am still receiving credit card bills which isn't updated and still showing around 25000 outstanding... After depositing last installment the bank personal said u will receive noc via mail... But i am yet to receive it... And my account still showing 6000 negative balance... Please help.