[Resolved]  CIBIL — defaulter classification

Dear Sir,
Thank you very much to give us your support for our stand.

Firstly I want to give u my information, I am Manubhai V Mehta, living in Mumbai, age of 65, For your kind information I m appointed as a joint Secretary in All Maharashtra Human Rights Welfare Association in Mumbai, i have taken this matter because of illegal activities and business of CIBIL, because CIBIL says that they are waiting for Certificate of Registration and Final Guidelines from R.B.I.
1) Activities of CIBIL are totally Illegal Under The Bank Act as below:
17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
Act title : NO. 30 OF 2005

Enactment date : [23rd June 2005.]



4. SECTION(CHAPTER II)
REGISTRATION OF CREDIT INFORMATION COMPANIES
5. SECTION(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.

2) CIBIL have committed the violation of our Constitution by taking away fundamental rights of Indian Citizen, because every Indian Citizen have right to get Justice, no body can declare any borrower as a Defaulter Debtor or Insolvent without any strict proof and any Judicial Court’s order.

3) We can also File the defamation case against CIBIL under The Indian Penal Code 1860 as below:

1. Act Name : THE INDIAN PENAL CODE, 1860
Act title : ACT NO. 45 OF 1860 1*

Enactment date : [6th October, 1860.]


36. SECTION(34.)
Acts done by several persons in futherance of common intention.

. 1*[34. Acts done by several persons in futherance of commonintention.--When a criminal act is done by several persons infurtherance of the common intention of all, each of such persons isliable for that act in the same manner as if it were done by himalone.]



37. SECTION(35.)
When such an act is criminal by reason of its being done with a criminal knowledge or intention.


35. When such an act is criminal by reason of its being done with a criminal knowledge or intention.--Whenever an act, which is criminal only by reason of its being done with a criminal knowledge or intention, is done by several persons, each of such persons who joins in the act with such knowledge or intention is liable for the act in the same manner as if the act were done by him alone with that knowledge or intention


38. SECTION(36.)
Effect caused partly by act and partly by omission.


36. Effect caused partly by act and partly by omission. Whereverthe causing of a certain effect, or an attempt to cause that effect, by an act or by an omission, is an offence, it is to be understoodthat the causing of that effect partly by an act and partly by anomission is the same offence. Illustration A intentionally causes Z's death, partly by illegally omitting togive Z food, and party by beating Z. A has committed murder.


26. SECTION(24.)
"Dishonestly

24. "Dishonestly".--Whoever does anything with the intention ofcausing wrongful gain to one person or wrongful loss to anotherperson, is said to do that thing "dishonestly".

39. SECTION(37.)
Co-operation by doing one of several acts constituting an offence.

37. Co-operation by doing one of several acts constituting an offence.--When an offence is committed by means of several acts, who ever intentionally co-operates in the commission of that offence by doing any one of those acts, either singly or jointly with any other person, commits that offence. Illustrations (a) A and B agree to murder Z by severally and at different times giving him small doses of poison. A and B administer the poison according to the agreement with intent to murder Z. Z dies from the effects the several doses of poison so administered to him. Here A and B intentionally co operate in the commission of murder and as each of them does an act by which the death is caused, they are both guilty of the offence though their acts are separate. (b) A and B are joint jailors, and as such have the charge of Z, a prisoner, alternatively for six hours at a time. A and B, intending to cause Z's death, knowingly co-operate in causing that effect by illegally omitting, each during the time of his attendance, to furnish Z with food supplied to them for that purpose. Z dues of hunger. Both A and B are guilty of the murder of Z.[protected][protected][protected][protected]. Subs. by Act 27 of 1870, s. 1, for the original section.108 (c) A, a jailor, has the charge of Z, a prisoner. A, intending to cause Z's death, illegally omits to supply Z with food; in consequence of which Z is much reduced in strength, but the starvation is not sufficient to cause his death. A is dismissed from his office, and B succeeds him. B, without collusion or co-operation with A, illegally omits to supply Z with food, knowing that he is likely thereby to cause Z's death. Z dies of hunger. B is guilty of murder, but, as A did not co-operate with B. A is guilty only of an attempt to commit murder.

46. SECTION(44.)
"Injury".
44. "Injury".--The word "injury" denotes any harm what ever illegally
caused to any person, in body, mind, reputation or property.


So CIBIL is doing their Business illegally, in cordinance with their Members like all Credit Institutes and Banks, The Business of CIBIL ruined the life of young and energetic Indian citizen, and the all Banks creating their wrong balance sheets by showing wrong and proof less out standings, false figures of Assets which effect and damage India’s economy. so we decide to fight against CIBIL, and all the members of CIBIL and R.B.I. though they are Dominating Authority even though they do not take any action against them, We desire to fight on humanity ground in public Interest, so we have to file PIL against all, CIBIL, Members of CIBIL and R. B. I. In the interest of Natural Justice.
This is our first aim, so we want your help in way first you give us your full detail what happen with the you, by bank and CIBIL, tell us your problems. Please let us know how much time u can spend to fight . Please send your written complain address to Human Rights, at my e-mail I-D. We suggest you have to keep passion for getting justice, but we assure you that we will fight together for our Right and to get justice. You may circulate this message to other Victims Of CIBIL to those who are known to you.
Manubhai V Mehta
B/605 Lucky Tower,
Behind Patel nagar,
M.G.Cross Road No.4
Kandivali (West),
Mumbai Pin :400067 Phone:[protected]/[protected]/[protected]

Dear / Respected Sir,

i was having some banks credit cards some years back but for last many months back, i have made all the settlements with those banks and i am having all the ful & final settlement letters from them. there are no issues from my side. i need to know my presen status in your criteria by those banks as they submited. or please tell me the way how can i be tottally fre from these kinda harrasments.

i want to know my current status in CIBIL (how can i see my status)

Please Do reply me

Thanking You
Praween Kumar
Gurgaon

Dear Sir,
Kindly send me some data regarding credit default. That how a person become default and how he come to know about that.

Ravi Kr Sharma

Sir,
My name is supreet singh .. i am holiding different credit cards of the bank...
also, hav applied for used car loan with hdfc bank 20 days back... which is on hold due to my name on cibil on basis of citibank loan due...whereas i m having the noc of the loan closed, with me... why citibank has sent my name to cibil ... ???...and i have dues like 600 -700 rs in other credit cards as per cibil.. which is already cleared from my side long time back...i dnt why is still showing on cibil... i am talking to citibank for this they say contact cibil... n i dont know how can i get my name removed by folllowing the required procedure n conseqently i got my loan rejected from hdfc bank...
in between i hav applied for stan chart credit card which also got rejected...for same reasons!!!
also, i wanted to remove my name from cibil permanently ... as i make my payment on time with other banks if any...
and i am not a defaulter... pls suggest remedy for this... i dont want my name again in cibil...
I ll be highly obliged with ur immediate reply on the same ...
Warm Regards,
Supreet Singh
[protected]
[protected]@in.com

Am informed by AXIS BANK that CIBIL reports indicate my name as a DEFAULTER for some credit card payment default.
To the best of my knowledge and memory, I have never defaulted on any payment whatsoever.
I would like to know the basis of your adverse report.

Dear sir,
How i remove our records from cibil data?

sir iam creditcard holder, my money in complete in stockmarket .now iam not able to sell my stocks . any avalible for time period for payment of credit card .is posiible for 1 year pls

dear all

cibil is the best tool used by a company to check his/her credit worthiness, i feel cibil is the really good, when u maintain good credit history with the banks and financial company ur cibil rating will be really good, if there is no cibil all the company will run in loss and people would start cheating the banks after getting a loan, there is no point in talking bad about cibil, am working in a bank and i use cibil application daily, thro cibil the true colors of people can be known, i[censored] pay ur debts, emi and dues in time its well and good, there is no point in crying after defaulting

one advise, pay ur credit card bills on time, dont have more than 2 credit cards, pay all ur car, home or personal loan EMI as on date, dont apply for any loans or cards often uunless u require, dont go for settlement closure in loan, pay ur pending dues as soon as possible but not more than 5 days

for any details about cibil kindly write to me
[protected]@yahoo.co.in

I had done the seetlement of ICICI credit card in feb 2007.
I even have the letter stating full and final settlement,
now iam applying for any personal loan iam not been able to get it bcause banks are finding my name in cibil as defaulter
Wat to do
plz advice

CAR LOAN FROM HDFC — DEFAULTER IN CIBIL

I WANT TO FINENECE A CAR BUT HDFC SAYS THAT I AM DEFAULTER IN CIBIL.MY PAN NO IS ABVPJ3196Q R/O T-160 B STREETNO 06 GAUTAMPURI DELHI110053.
PLEASE TELL ME WHAT IS DEFAULTON ME.

DEAR SIR,
THIS IS REFERENCE TO LOAN APPLICATION MADE TO ICICI BANK ANS IN A SUB SEQUENT CIBIL REPORT BY ICICI BANK TO PROCESS THE LOAN IS SHOWING WILL FUL DEFAULT. I REQUEST CLARIFICATION ON OVER DUE AMOUNT RS.7751/- AND THE INQUIRY CONTROL NUMBER GIVEN BY BANK IS[protected].
MY OTHER DETAILS IS AS UNDER.

FULL NAME : HARIKRISHNA PATNI

OFFICE ADDRESS : BHANU-VILLA, BH. NAVBHARAT APARTMENT, SANTOSH NAGAR, MAROLI VILLAGE, R.C.MARG, CHEMBUR MUMBAI-400 074. PH NO[protected] FAX NO[protected] M NO-[protected]

RESI ADDRESS : FLAT NO-1, WING-G, TRISHUAL BAUG, SINDHI SOCIETY, CHEMBUR MUMBAI-400 071.

PAN NO-ACWPP0971H

WAITING FOR YOUR REPLY

WITH BEST REGARDS

H.R.PATNI
MUMBAI
M NO-[protected]
EMAIL :[protected]@yahoo.com

Dear Sir
I Mohd. Nizam My HDFC STPL Loan Acc. No.[protected] I Have Already paid the last Due amount of Rs/-817 On[protected] & Penalty Of Rs/-525 with chq bounce penalty, Now this is request to withdrawl my Name From CIBIL

Regards

Mohd. Nizam
[protected]

Sub:-SBi card account No.[protected]

Mr.B.N.Majithia
Birth Date:[protected]

Dear Sir

i was holder of the subjected SBI credit and I have paid my outstanding as a full and final settlement amount Rs.12000/-in the month of june 2007.A copy of the NOC given by the recovery authorities is enclosed herewith for your ready reference. But my SBI card account is still in running statue.
it is therefore requested that my above subject card account may please be closed immediately and advice same may be sent to the undersigned.
thanking you.
Tracer no AHMBAR[protected]
SBI Account No:[protected]
This is in reference to your above captioned account.
taking into consideration the exception circumstances/we would like to confirm that on payment of Rs.12000/-(Rupees Twelve Thousand Only) in the mode manner stated here in below. there will be no dues in respect of your above captioned account.

Mode Date Receipt Amount
cash june'[protected]/-

please remove my name in CIBIL.

please do the needful.

encl:one
Your Faithfully
B.N.Majithia



Thanks and Regards

Sub:-SBi card account No.[protected]

Mr.B.N.Majithia
Birth Date:[protected]

Dear Sir

i was holder of the subjected SBI credit and I have paid my outstanding as a full and final settlement amount Rs.12000/-in the month of june 2007.A copy of the NOC given by the recovery authorities is enclosed herewith for your ready reference. But my SBI card account is still in running statue.
it is therefore requested that my above subject card account may please be closed immediately and advice same may be sent to the undersigned.
thanking you.
Tracer no AHMBAR[protected]
SBI Account No:[protected]
This is in reference to your above captioned account.
taking into consideration the exception circumstances/we would like to confirm that on payment of Rs.12000/-(Rupees Twelve Thousand Only) in the mode manner stated here in below. there will be no dues in respect of your above captioned account.

Mode Date Receipt Amount
cash june'[protected]/-

please remove my name in CIBIL.

please do the needful.

encl:one
Your Faithfully
B.N.Majithia



Thanks and Regards

mayur.[protected]@relianceada.com


Sub:-SBi card account No.[protected]

Mr.B.N.Majithia
Birth Date:[protected]

Dear Sir

i was holder of the subjected SBI credit and I have paid my outstanding as a full and final settlement amount Rs.12000/-in the month of june 2007.A copy of the NOC given by the recovery authorities is enclosed herewith for your ready reference. But my SBI card account is still in running statue.
it is therefore requested that my above subject card account may please be closed immediately and advice same may be sent to the undersigned.
thanking you.
Tracer no AHMBAR[protected]
SBI Account No:[protected]
This is in reference to your above captioned account.
taking into consideration the exception circumstances/we would like to confirm that on payment of Rs.12000/-(Rupees Twelve Thousand Only) in the mode manner stated here in below. there will be no dues in respect of your above captioned account.

Mode Date Receipt Amount
cash june'[protected]/-

please remove my name in CIBIL.

please do the needful.

encl:one
Your Faithfully
B.N.Majithia



Thanks and Regards

Dear Sir / Madam
Request to know my cibile score with information as my details are mensioned below, kindly help by knowing my details .

Name - KHODABHAI LALJIBHAI PATEL
FATHER NAME - LALJIBHAI RAGHAVBHAI PATEL
D.O.B[protected]
ADDRESS- Bunglow No : - 4, “Khodiyar Bhuvan” Opp.Vasant Bhikha Wadi, Sauashtra Society,
Lambe Hanuman Road, SURAT : - 395006

Thanks And Regards
KHODABHAI LALJIBHAI PATEL
SURAT - 6

I was holding HDFC credit card and that card got misused though it was with me.I am sure someone used it by Internet for Air Tickets.I raised complaint with the bank for investigating this.The bank blocked my card and issued me a new card and commited that they will investigate within 45 days.When I called up Cust care within 45 days, they said investigation is still in progress.When I called up after 2 mnths, they said investigation was not even started and without the letter in writing, they dont investigate any issues.I then faxed them in writing abt misused transaction but they said since it is after 45 days, they cant do anything and I am liable for the whole amt 18000 Rs.I refused to pay any amt as it was not my fault.hence they put 14000 Rs on hold from my Debit Account and finally withdrew it without my approval.I made several request but they are asking me to pay the whole amount.I didn't say anything against 14000 RS withdrawal as I am working and we dont have time to work legally.But now after six mnth, the bank sending legal notices asking me to pay the remaining amount.I really dont want to settle here as the misused amt was just 17000 Rs and they already took my 14000 Rs and they want rest of the money now which is 20000 Rs as of date.Its really unfair as it's not my fault but customer care's lack of product knowledge.Can someone suggest me as to what to be done here as I have already lost 14000 Rs for no reason and I cant pay more...

Hi Sir,

I am working in Valuee Added service provider compay. Our all salary A/C's are in HDFC Bank. On the behalf of that HDFC Bank offers Credit Card to the employees. I also got a Gold Credit Card from the Bank. Sometimes later I purchased some electronic goods for Vaibhav electronics of Rs. 30, 000. I called after swaping that amount to the Call Center to convert this amount to EMI but they told us that there is no offer of EMI on this card. call us after sometime later may be offer comes for EMI. After sometime later I again call to the customer care but still not get. After passing 16-17 days I again call the customer care they told me offer come but due the expiry of the 15 days period this amount will not be convert into EMI. I was not in that condition to make the payments immediately of Rs. 30, 000. If I was aware to this that this kind of feature is not in my card may be I did not use this card. Hence I mailed to support.hdfc bank for making the better solution. go to my home branch but i still not get any solution. in between 2-3 months passed. the bank did not neither call me nor inform me and send some illigle persons at my home. they all used the abusy talk to my land lord, paased many abusy comment in front of them. when I come at my home after finishing the office hrs. they told about this incident. next day I go my home Branch tells the Branch Manages about the incident. She say sorry to me and call the collection department concern person then I told her that Madam your minimum payment is Rs3600 but I making the payment Rs5000 right now and please convert it into the EMI so that smoothly i can repay you amount. They told me we will do something and arrange the call back to you from customer department but noone call me. after 2-3 months later i go to HDFC bank to withdraw some amount from my salary A/C what i saw without any information they blocked my whole saving amount. I called to customer care to release my amount if you want, you can deduct Rs.10 or 15 thound from my A/c not whole amount but forcely the debited the whole amount in their credit card a/c.
Dear sir please suggest me is this is the right way??? Is Bank give us the best Service???
this really not fare...if you can do something for me ...i really obliged to you

Thanking you
Amit Kumar
#[protected]

Dear Sir
I had applied for Personal loan but the same got rejected due to CIBIL match no[protected] and showing credit card writeoff for Rs.14000/- and other for Rs.4000/- and odd

Pl let me know the card and bank details to check

Regards
Sathish.R

I had a due of 30000/- towards Citibank MTV Credit card, due to some personal compulsions I had sought for a Settlement with Citibank which they didnt honour. I had constant followups with the bank officials but to no avail. I don't understand how CIBIL could list me for an outstanding of 2, 55, 000/- Rs for the same now. So does it mean that if the Bank wants to exploit the consumer its acceptable to RBI. I have been a prompt tax payer for more than 12 years now. I try to avail loan and its rejected by the bank and in return to my surprise file a rejected entry in CIBIL listing. Is this some thing to take care of only Banks and the evil they possess to loot a common man. I have been trying with CITIBANK to strike a settlement on the Credit card account and get a disgusting response to coughup 2, 55, 000 /- which include hefty late payment charges and intrests. If the same status prevails I would rather wish to file a law suit against CIBIL for encouraging the Pvt, banks into imposing such huge outstanding on the consumer.

Please respond I can't face this humiliation anymore inspite of having a very clean loan track. I would rather try and escalate this situation in News Papers and also initiate a signature campain against CIBIL.

Regards

Satish Hebbar