Today the dispute took another turn agin, really makes me wonder what they r upto.I was waiting for the call from the bank after speakin to miss Rajni, and out of the blue mr.Krishna(collection department says from HDfc) who has first offered settlement, then yesterday went back on his word, TODAY AGAIN COMES BACK WITH THE 30K OFFER AND 4 INSTALLMENTS INSTEAD OF 2. I told him that im not going to pay anything unless i get a Settlement letter ON the banks letter head and insisted for a CLEAN CREDIT HISTORY, i dont trust him though but he said his officer wil call me back.After a while one MR.CHETAN gave me a call and said they have a approval for settlement for 30600 and 4 installments but my name will be put in CIBIL.he says the only way i can have a clean credit history is to clear the entire amount.He is not even ready to reduce the amount further in case i am ready for a one short payment.I said i know cases wher people were given a clean chit, but he says some 3 banks do so but not HDFC as its a indian bank.What do ido now plz advice,i told him i will get back to him