What to do if the bank refuses to issue a clearance letter after paying all the dues?

I have cleared my loan with a bank and was issued a no-liability letter to that effect. I took the letter to my HR to complete the salary transfer letter to my new bank.

However, the liability letter was rejected by HR because it did not have my current account number on it.

After going back to the bank I was told that I would have to close my credit card to have the bank account number appear on the letter.

I have now closed my credit card, however, the bank has now informed me that they cannot reissue the liability letter for that account.

I am now at the point where payroll amendments close next week, with no liability letter and an HR standing firm.

This means default on my first payment with the new bank and no pay.

What are my options?