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CIBIL - How to get out of CIBIL's defaulter list.

 
175 Reviews
User
  vidhya
Hello Sir/Madam,

I just want to know if there is any chance or way to make my name out of the defaulters list in CIBIL.I made 2 settlements as I could not repay my credit card bills in Jan 2007 due to bad financial position.

After that settlement there is no more remark about my credit card payments or my credit history in your terms, but the problem arised when I applied for a personal loan for my Sister's marriage. My application got rejected as I made some settlements in the year 2007, even after I provided them with the settlement documents. I even tried to repay the balance amount of the settlements done with the respective banks, but to my disappointment they said that even if I pay the remaining amount, my name would be still in the defaulters list and that they cant help me in any way. And as I was not able to get a loan, the marriage got postponed and then cancelled.

SO, I request you to help me with a way, advise or suggestion (if any) to make my name out of CIBIL's defaulters list for ever. Else the only way for me to avail a loan would be to settle abroad and apply for a loan in that country. :). I hope CIBIL will not reject my application there too.

I would appreciate if you can please help me with the best solution or reply to my problem.

One request: If possible, please give us a chance (to the defaulters) to repay the balance settlement amount, may be by fixing the time frame to repay it, else Permanent residency as a CIBIL defaulter.Help us get out of CIBIL's defaulters list.
Theres a chance to get out of a DEATH SENTENCE or a LIFE IMPRISONMENT but seems theres no way for a defaulter in CIBIL, so please help us with a solution for our problem.

Thanks and regards,
Vidhya


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why my name is reflecting in defaulters list at www.cibil.com - credit cards

I am shocked to see my name in above list, would like to know who has filled it against me & why.??
 

name in the default list - Credit Card

Hi,
My name is Anish Soman, In the past due to some billing discripancy i had settled my credit cards with SBI and ABN AMRO bank, its been almost one year and iam unable to get a credit card from any Bank which I belive is because of the name in the defaulters list.
When i had already settled my account with both the banks can't understand why my name is still in the defaulters list.
I do have a very gud relationship with HSBC and Standard Charted bank but both the banks are unable to provide me a credit card, they keep on rejecting my application.

I would request you to please look into this matter and help me out.
 

my my name is reflecting on cibil report - ICICI Credit cards

i have 3 credit cards with icici i paying all dues properly but my name is reflecting on cibil report . it showes i haveing overdue up to 3330, hence i did not get a personal loan from other bank rectify my problem.
 

I Cant receive my bill statment - bill problem

Hello Sir, MY self Anshu Chaudhary, My No. is 9910341231, this no. is my father name Mr. Y. K. Chaudhary,
Last 2 -3 Months I cant got my bill statment. Why? I am Complaiting every Month Nobady take the serious action? Why.? This month is same problem, last week i will call ur customer care centre pls. send me a bill without bill i cant payment in this month but every time same answer, sorry mam within 2 days u got ur bill.
this month if u will disconnect my incoming & outgoing services then i will go in consumer coat.
i will waiting ur reply till 4th Oct. 2008, if i cant receive the reply then i will mention my compliant in Consumer coat on 6th Oct. 2008.

thanks
Anshu
(9910341231)
 

New 81 birth coach & Malpractices - cad

I want to bring to notice of of dear Railway Minister Mr Laloo Prasad that Railways has incorporated coaches of 81 as compared to earstwile 72 birth coaches without taking into consideration the kind of inconvenience it leads to for passengers. It has been 2 out of last 3 times of my travel wherein i had to travel in the side middle birth recently incorporated & i had to sit down on floor as i was not able to fit in. In My latest travelling from Baroda to Bhopal via Veeraval Express on 23 oct08 my final position on chart was RAC s6 /39 & the coach was 81 birth coach.
Although the coach has 9 extra births in this case, which were vacant as the original chart prepared was on basis of 72 birth coach, the TTE refused to confirm any RAC passengers as he had sold out all the 9 extra births to loacal or such passengers who gave him ADDITIONAL MONEY.
Kindly let me know that where will a RAC passenger in 81 coach go because due to a extra middle birth he is not in a position to even sit in the side birth.
Has Railway even thought about it, There are no guidelines for these passengers as informed by that TTE to me
AND IS this not promoting Malpractices &irresponsible attitude on part of Railways.

81 birth coaches should immediately be STOPPED. Its absolutely unfair to passengers.

Thanx
Ajay
 

to understand my default - personal credit

RESPECTED SIR/MADAM, PLEASE LET ME KNOW WHICH BANK HAS INFORMED YOU THAT I HAVE DEFAULTED THEIR PAYMENT.BECAUSE TO THE BEST OF MY KNOWLEDGE, ALL MY CREDIT CARDS ARE IN FORCE & I HAVE ALWAYS PAID MY DUES. I AM DAMN SURE THERE MUST BE SOME MISTAKE. PLEASE HELP ME FAST AS I WANT TO CLEAR OFF MY NAME FROM YOUR NEGATIVE RATINGS. I AM AN AWARD WINNER &RESPECTED PROFESSOR IN THIS CITY.THANK YOU . HOPE YOU WILL HELP ME.
 

i want to know my record on CIBIL - self record

Dear Sir / Madam,

i want to know my record on CIBIL. kindly guide me.
my details are as following,

Surendra Kumar Singh
R-247, HIG Duplex,
Sector-12, Pratap Vihar
Ghaziabad-201001, UP
 

to understand my default - TO UNDERSTAND MY DEFAULT

RESPECTED SIR /MADAM, PLEASE PROVIDE ME THE DETAILS REGARDING MY DEFAULT OF A BANK'S CREDIT CARD. TO THE BEST OF MY KNOWLEDGE I HAVE NEVER DONE SO. I WANT TO PURSUE THE MATTER & COME CLEAN IN THIS CONTEXT & REMOVE MY NAME FROM THE NEGATIVE RATING OF YOUR REPUTED FIRM. I AM A PROFESSOR & A RESPECTED PERSON IN SOCIETY. PLEASE HELP ME. MY DOB. IS 02/10/1971.MY PAN CARD NO. IS AACPK1155C. MY MOBILE NO. IS 9223 200 100. MY ICICI BANK' LOAN REJECTION NO. /CONTROL NO.382378450
 

My name showing in default list - Credit Card

Hello Sir,

My name is AshokKumar. R. I planned to take a housing loan and approached a Nationalised Bank. The Manager over there took a CIBIL report with the details provided me and found my name is having a dispute in Credit Card Payment which was issued during the year 2003. I was studying first year of my college during that time and I never hold any credit card.

Anyhave the Manager agreed and sanctioned me the loan but he suspected this to be an Add on card which my father had used earlier. I don't know how to clear this one from my list. Could you please guide me on removing the same from my name.

Thanks,
Ashok.
 

PAN CARD - ONE SOURCE MULTI SOLUTIONS

PAN card was returned to NSDL now kindly send us again to our address 36, Harikripa, Opposite Telephone Exchange, Central Avenue, Nagpur - 440008.

Pl contact No. 91+ 9960158807


 

My name under defaulter without documents - Credit Card

Dear Sir

I am Vineeta Arora, and my name has been listed in CIBIL under defaulter of Credit card for some banks.

This is to inform, that i had lost my Personal security documents ( pan card, DL) about 3 years back and somebody has misused my papers for credit card applications.

Now i had applied for Auto loan, first time in my life and my name has been listed under defaulters list.

Request you to kindly priovide the bank details for which it is defaulter.

Also suggest me the way forward to get the issues cleared as well.

regards

vineeta arora
 

MY NAME IN DEFAULT LIST - Credit Card

With above mentioned subject I have applied for a personal loan in HDFC Bank but they have rejected my application mentioning you have defaulted in credit card payment, but I have not done any defualt in CREDIT CARD and moreover the credit card alloted in my name are still active and using the same till date below mentioned are my personal details, kindly help in assisting what is due in my account and how it is appearing in CIBIL list.

1. Name - B V Dhananjaiah
2. DOB - 02.07.1975
3 Address - # 34, 3rd cross, Ist main road subedarpalya, Yeshwanthpur, bangalore - 22
4 Mother name - Munirathna.
 
My Dear unknown friend the only possible way to get a loan even after branded by cibil by getting a NO DUES CERTIFICATE from the concerned bank.I had two issues on the same lines.I had an ICICI cridet card which I stoped using in 2006 because I lost the card.One more CC was of Standard Chartered that too I stoped using in 2005.
Recenty I applied for a Home Loan of Rs 6000000(Sixty Lakhs).I was not aware that of the two CC issues.In CIBIL CIR ICICI reflected 12000 write off and standared chartred had 13500.
The only way I got the loan was I approached both the banks firmly and made the payment upto the last penny and obtaining the nue dues sertificate.
I hope this will help you in any sort of way
 
I am Know that My name is showing CIBIL list. But i am Confused .
 

Defaulter List - Defaulter List

Dear Sir,

I am applying personal loan. The bank has rejected my application due to my name is appear in Defaulter List. I am asking CIBIL for who is given my name in CIBIL. But those people told asking "control number" for further proceed. But the bank people given in any number, he told just your name appear in CIBIL. Please rectify the same.
 
Dear Sir,

Inspite of my settlement with SBI, ICICI(Credit Card) and with other banks(Personal Loan) and after getting settlement letters also, I have been constatntly denied of any loan from any bank, which is quite disappointing for me,

I have also had email correspondence with CIBIL, wherein I have confirmed to them that there will not be any default in future and in turn they have also sent a mail stating that any bank which is agreeable to provide loan for me can do so. I have also provided copies of emails exchanged between CIBIL and myself. Even inspite of this, all banks reject my loan application, which is very disappointing.

PLEASE LET ME HAVE A SOLUTION TO THIS PROBLEM
 
Dear Sir,

Inspite of my settlement with SBI, ICICI(Credit Card) and with other banks(Personal Loan) and after getting settlement letters also, I have been constatntly denied of any loan from any bank, which is quite disappointing for me,

I have also had email correspondence with CIBIL, wherein I have confirmed to them that there will not be any default in future and in turn they have also sent a mail stating that any bank which is agreeable to provide loan for me can do so. I have also provided copies of emails exchanged between CIBIL and myself. Even inspite of this, all banks reject my loan application, which is very disappointing

After all, the non payment is not deliberate but only due to the fact that that we were in financaints and nothing else. Is it such a blunder? PLEASE LET ME HAVE A SOLUTION TO THIS PROBLEM

Regards

D P SURESH
 
Dear Sir/Madam
i sandeep arora had used your bank credit card from last five year
my c.card no is 5177194171305003
i had rcvd the statement regarding payment of Rs 950/- after made this payment bank person call me about panalty becouse according to that i had submit late.
but as per my best knoledge i had made the payment in time from last five year.
custmer care person always ignor my problam and not give me suitable answer to me.
today they had calculate Rs.2010/- panity over me.But iam not understand this type of panilty.i had followup this matter with custmer care person last five month but they some time they told me that their is no any due over you and some time they were demand for panalty payment.
so pls clear my matter i will not pay any panalty or close my accounts you see my last five year records also.
regards
sandeep arora
A
User
ajay  
 
Dear Sir,

I have settles my credit card outstanding amount. As has been tols by the Customer executive that in my next bill it will show zero outstanding. when I received my bill after settling the amount it is still showing outstanding. and I still have not received the reversal letter from RBI as I have been asked.

I have only the settlement letter and the statemetn of mode of payment. So what shall I do to remove my name from defaulter's list as soon as possible.

When I contacted to Banking personal they told me within a month u will get out your name from CIBIL's defaulter .

Please help me in this regards

Thanks and Regards
Ajay
 
Sir, I have receive no Personal loan in 2006 But Cibil show I have a Loan 75000 No Bank No Statement Check No letter No Entry in my pass book Please Check It my cibil forward the my E-mail Id : sumitkhb@yahoo.com Contact 9811396201 Please Please

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    CIBIL - How to get out of CIBIL's defaulter list.