Legal Question in Credit and Debt Law in India

dear Sir/Madam,

I had used A credit card 3 to 4 years back ,i used to pay regularly the minimum amount ,at one point of time i felt the amount i paid i more than i used it ,so i stopped paying it.its more than 3 years now ,i have received a letter now from some Advocate agency ,the subject of the letter is "invitation to conciliation as per provisions of section 62 of the arbitration & conciliation act.1996/your credit cart account.00000000000"in this letter that have told me to come & meet a advocate on a specific date for amicable settlement/resolution along with the officials of the bank.if i am not able to go on specific date to the advocate office ,the have told me to contact the back official(they have given a number to contact)for the amicable settlement/resolution.what should i do now ,i feel the amount paid to them is more than enough as it is more than the money i used with the card,so i am not willing to pay any more money to them,pls advice what should i do in this situation it is compulsory to pay the amount or is there any other way to get out of this situation,pls advice can they take any legal action against me

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