Bank settlement of credit card to avoid legal action

I had a credit card balance of AED 71000 to a bank in the UAE. I asked and was given a settlement offer of AED 60000 (credit limit of card) for 12 months payment period which I started paying last Nov. 2018.

On February 2019, our salary came late and I paid the bank on the 26 of February instead of 18 Feb due date. I was in communication with one of collection officer of the bank during that delay period.

I made the payment on time in March and April of 2019. I was called by another collection officer on 5 May 2019 asking me for payment due on my card because according to her, my settlement offer had been cancelled.

I had asked the bank for reconsideration because I had only a few months left to complete the payment. I'm waiting for response up to now. What are my options if the bank rejected my request?