I got calls from HDFC’s recovery agent for my credit card dues. He asked me to pay Rs. 20,000 in 2 installments to clear my debt. Before 2nd installment, I demanded settlement letter which he denied and I stopped the payment. My CIBIL status shows ‘written off’ and outstanding balance Rs. 45,000. I enquired from HDFC, manager asked 40,000 for settlement. He gave me letter of settlement but hasn’t mentioned whether my written off status will be cleared or not. Please guide