Credit card issue with shah finelise and standard chartered

Hi, I am facing an issue of credit card disputed transactions way back to the year 2006. Brief history for this is depicted below. • Lost many of the cards including debit and credit cards of different banks due to pick pocket in Feb 2006 • Called up respective customer care to block the cards. • Reported stolen details including currency and cards in to respective police station. • One of the cards from standard chartered (SC) bank has been misused by unauthorized person and made purchase of around Rs. 40000 at different merchant outlets. This has been noted to me through monthly statements • Raised concerns with bank and tried to resolve the after many communications in writing and in person • The communications continued for a year or so • I kept on visiting bank with relevant documents from my side • After some time, the communications have been stopped • Meantime, I have changed rental residence due to owning a house in different area in year 2010 • Between 2007 to 2012, I have got a couple of credit cards, a housing loan and an auto loan • During 2014, I tried to transfer my housing loan from corporation bank to SBI and my loan application has been rejected due to lower credit score in CIBIL report • Upon checking CIBIL report, found that the disputed amount of SC bank has been inflated with very high amount of penalty having credit balance of 10 lacs and written off amount of Rs 67000 and it is in the name of a Shah Finalese (SF) Pvt. Ltd. • Upon checking with SC bank, they have sold this disputed account to the Shah Finalese via deed of assignment dated 9-Feb-2010 and asked me to connect with SF • Upon checking with SF, receiving vague proposals to settle it down with settlement amount ranging from 20,000 to 35,000. Every time I called them got different proposals. Currently I am not sure how to go about this. I personally know that the call was made to the customer care of SC bank within 2 hours of losing the card and didn’t used a single rupee for self. Due to a mistake of the bank, I am suffering now. Also, I don’t have any reference document in this regard at this point of time as it was a very old issue. But it is also true that it is harming my credit score unfortunately and giving different impression to the lenders. I am in very much need of your guidance about how to go with this. Please help me. Sincerely, Girish