hold on saving account due to credit card

#1
Dear,
I have sattled credit card 42000 /-in place of 84000/'.
Before sattled they put hold 21000/'on my hdfc saving account , and transfered to credit card account.
By getting sattlement latter in Apr 2014 we decided to pay 2147 per month in 6 month.apart from 21000/-.
Finally only 4400 amount remains to give.now again they put on hold 27000/-in my hdfc account.
Now they r saying whatever amount u paid will not be consider.now u pay 72000/-.
And take noc.
Pls suggest me eht to do.pls help me.
 

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