[Resolved] CIBIL — How to get out of CIBIL's defaulter list. | |
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 Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 186 Comments | |
Comments
ICICI add on card — never used add on card but my name has been sent to cibil
this is to complain about the card number [protected] add on card issued to my husband in 2006 by ICICI.His primary card nuber is [protected].There is an outstanding amount.I have never ever used the add on card.all transactons are on the primary card according to the bank record.I had taken a car loan have repaid it loan number LABNG[protected].I request you to remove my name from the cibil report as it is unfair.I have given a written letter regarding this and seeking the help of banking ombudsman if it is not resolved.I have already sought legal help for separation
Meena Sivaraman
please cancel my name sudhir kumar prasad in cibil list sir i allready paid the amount rs.44, 000=00 to standard chartered bank.
thanks
sudhir kumar prasad
4/2, old subhash nagar, bhopal{m.p}
thanks
sudhir kumar prasad
4/2, old subhash nagar, bhopal{m.p}
I WANT TO KNOW THAT MY NAME IS IN ANY BANKS DEFAULTER LIST ?
MY DOB[protected]
MY NAME- HARMINDER KUMAR
MY DOB[protected]
MY NAME- HARMINDER KUMAR
Respected Sir
Please guide to how remove the default remarks marks on my Pan Card nos AMEP S 9246 -G, by HSBC Bank Credit Card. Sir i had opened the credit cards in year 2002 and by year 2004 i had closed the account by settle the dues and other chargers, but this banks had marks the remarks on my pan card " RIGHT OFF" and now i had apply a loan from SBI of Mysore Branch and that manager is asking to remove that remarks for getting the loan.
So please guide me what and how to remove the remarks and to get the loan.
my credit cards nos is [protected] and [protected] and i am ready to pay the charger if any show.
Please do the needful in this matter.
with regards
pravinchandra
Please guide to how remove the default remarks marks on my Pan Card nos AMEP S 9246 -G, by HSBC Bank Credit Card. Sir i had opened the credit cards in year 2002 and by year 2004 i had closed the account by settle the dues and other chargers, but this banks had marks the remarks on my pan card " RIGHT OFF" and now i had apply a loan from SBI of Mysore Branch and that manager is asking to remove that remarks for getting the loan.
So please guide me what and how to remove the remarks and to get the loan.
my credit cards nos is [protected] and [protected] and i am ready to pay the charger if any show.
Please do the needful in this matter.
with regards
pravinchandra
Hello All,
I think the CIBIL department is only beneficial for Bank people not for normal people like me and the peoples who have complained like me above.
I agree there should be a centralised place/database to show about any consumer finance status whether he is a defaulter or a normal payee.
But when placing these kind of database, MAINTENANCE of this should be very strong. It should be updated very often about the payee. Even though the payee would have closed the CC / loan etc.. by paying full amount which bank says as outstanding amount with closure charges, STILL the payee name will be in defaulter list. WHY IS THAT? when bank people are ready/keen to update abt the payee in CIBIL when he is not paying THEY should take care of removing his/her id from CIBIL when he payes the amount.
This is like ONE-WAY advantage where BANK is getting benefited BUT not the CONSUMER. If we ask bank people they tell we updated CIBIL already but consumer wont know still his name is in CIBIL defaulter list or not.
WHAT IS THE MITIGATION for this????????? who is going to take action on this???????????????????
I think the CIBIL department is only beneficial for Bank people not for normal people like me and the peoples who have complained like me above.
I agree there should be a centralised place/database to show about any consumer finance status whether he is a defaulter or a normal payee.
But when placing these kind of database, MAINTENANCE of this should be very strong. It should be updated very often about the payee. Even though the payee would have closed the CC / loan etc.. by paying full amount which bank says as outstanding amount with closure charges, STILL the payee name will be in defaulter list. WHY IS THAT? when bank people are ready/keen to update abt the payee in CIBIL when he is not paying THEY should take care of removing his/her id from CIBIL when he payes the amount.
This is like ONE-WAY advantage where BANK is getting benefited BUT not the CONSUMER. If we ask bank people they tell we updated CIBIL already but consumer wont know still his name is in CIBIL defaulter list or not.
WHAT IS THE MITIGATION for this????????? who is going to take action on this???????????????????
THESE PEOPLE ARE LETTING THE BIG BULLIES DO WHATEVER THEY WANT EVEN AFTER HAVING LOTS OF SCAMS BEHIND THEM BUT CANNOT HELP THE NEEDED EVEN AFTER HIS REPENTENCE.
Hi,
How to come out of from CIBIL defaulters list, kindly help me out in this regard, due to some financial issues i am not able to pay full payments. I am eagaly looking for home. I am getting rejecting if i am applying for home loan.
kindly help me out in this regard
Thanks in advance!
Regards,
Pradeep
How to come out of from CIBIL defaulters list, kindly help me out in this regard, due to some financial issues i am not able to pay full payments. I am eagaly looking for home. I am getting rejecting if i am applying for home loan.
kindly help me out in this regard
Thanks in advance!
Regards,
Pradeep
hello sir,
i am lavanya kumar, previously i had citibank and icici bank credit card i have cleared all due of both the cards before one and half year.but till now i am in cibil. how can i clear this.
please help me.
i am lavanya kumar, previously i had citibank and icici bank credit card i have cleared all due of both the cards before one and half year.but till now i am in cibil. how can i clear this.
please help me.
Hi friends,
I feel in such a democratic country, where the law instruct not collect more than 12 to 15 % of interst, but still the cc companies charge an exobitant interest of 36% percent p.a. which is suppose to be unlawfull.
Just for the sake we singed the doc, most of cc company take atmost advantage of it . especially mnc's.
now its time fo all of to unite together under one umbrella and needs this issue taken seriously to ministry of finance.
we all citizen and not a salved customers to this hungry money eating mnc and pvt bank.
its we who give life, bread and butter to this companies. but in return it doesnt mean that they can take us for a ride.
I am sure there is solution if we all unite agaings this dictorship monopoly of cibil.
there were case where in previus budget even more than 60 core loans where written off for agriculture, by MOF
any we are not asking for a straight write off, we just ask for to take the name out of cibil list, and give us fresh standing.its just a matter of default not a serious crime/economic offense, a defaulted can be corrected by giving proper chance and good guidance by financial institution.
But no financial institution come forward to do this, they need understand as long as a customer(a human being ) is happy, they always render to be a loyal customer to any bussiness.
thing will change and his has to change, no more autocratic rule of cibil will be sustained.
regards
madan
[protected]@yahoo.com
I feel in such a democratic country, where the law instruct not collect more than 12 to 15 % of interst, but still the cc companies charge an exobitant interest of 36% percent p.a. which is suppose to be unlawfull.
Just for the sake we singed the doc, most of cc company take atmost advantage of it . especially mnc's.
now its time fo all of to unite together under one umbrella and needs this issue taken seriously to ministry of finance.
we all citizen and not a salved customers to this hungry money eating mnc and pvt bank.
its we who give life, bread and butter to this companies. but in return it doesnt mean that they can take us for a ride.
I am sure there is solution if we all unite agaings this dictorship monopoly of cibil.
there were case where in previus budget even more than 60 core loans where written off for agriculture, by MOF
any we are not asking for a straight write off, we just ask for to take the name out of cibil list, and give us fresh standing.its just a matter of default not a serious crime/economic offense, a defaulted can be corrected by giving proper chance and good guidance by financial institution.
But no financial institution come forward to do this, they need understand as long as a customer(a human being ) is happy, they always render to be a loyal customer to any bussiness.
thing will change and his has to change, no more autocratic rule of cibil will be sustained.
regards
madan
[protected]@yahoo.com
It is high time we consumers form an Organization which fights for the un justice done by such time of Oganization, who enjoys power but bear no responsiblities. Main culprit are Credit Card issuing banks, who levies high rates on penalties and interest.
Hi,
I applied for home loan in LIC bank, loan amount(9, 00000), but unfotunately i got in defaults list as their are some cheque bouns in my account
how do i sortout this issue ?
need help to overcome
Prakash
[protected]
I applied for home loan in LIC bank, loan amount(9, 00000), but unfotunately i got in defaults list as their are some cheque bouns in my account
how do i sortout this issue ?
need help to overcome
Prakash
[protected]
State Bank of India — default in bank history
hiiiiii my mom f.d account is in state bank and its maturity year is year 2012. but bank manager says that your account is closed,we have all the paper regarding this, but bank manager doesn't take care in spite of this.he commited his default but dont take any proper view.... i thought he is not taking the right action. what will we do ???? Hello,
i just wanted to know that i had a hsbc credit card and a loan i have cleared the loan on time and had a settlement on credit card and had a no due cerificate also but still my credit is showing low and i am not getting any loans or finance also so can u plese take my name out of the cibel and consider my request.
Regards,
S.Sanjay
i just wanted to know that i had a hsbc credit card and a loan i have cleared the loan on time and had a settlement on credit card and had a no due cerificate also but still my credit is showing low and i am not getting any loans or finance also so can u plese take my name out of the cibel and consider my request.
Regards,
S.Sanjay
Miss vidhya
Here is Rohit from Punjab. if cibil will reply to u that will pleasure . but i just want to give u bit inofrmation regarding . all of first name in cibil doesnt mean that u cnt get loan from any bank in india . Cibil is just a way of information flow . i[censored] r name is showing in cibil . still u can apply loan . but i would like to suggest u that u should apply ur loan from Governement bank . and i[censored] r applyiing from Priavte bank . then it depends on His Acm(area collection manager) that he can give u approval regarding this . Cibil cant do anything in this . it depends on behind things which i have mentioned . so would suggest u to do request them instead of Cibil
Hope this information will help to u :)
Thanx and regards
ROHIT SHARMA
Here is Rohit from Punjab. if cibil will reply to u that will pleasure . but i just want to give u bit inofrmation regarding . all of first name in cibil doesnt mean that u cnt get loan from any bank in india . Cibil is just a way of information flow . i[censored] r name is showing in cibil . still u can apply loan . but i would like to suggest u that u should apply ur loan from Governement bank . and i[censored] r applyiing from Priavte bank . then it depends on His Acm(area collection manager) that he can give u approval regarding this . Cibil cant do anything in this . it depends on behind things which i have mentioned . so would suggest u to do request them instead of Cibil
Hope this information will help to u :)
Thanx and regards
ROHIT SHARMA
Dear Sir / Madam
I have obtained my earlier loan in Family Credit unfortunately my father's health was not good and i have spent so much money to the hospital. Due to this that the provided cheque to Family Credit has been bounced, since i am in deep trouble that i am unable to spend the money for my co -brothers marriage.
I kindly request you to remove my name in the defaulters list and do the needful on priority.
PAN NO: BAQPP4599G
Thanks with Best Regards
D. PRABHU
No.22, Rajeshwari 2nd Street,
Gokulapuram
Chengalpet Taluk
Kancheepuram District - 603001
Tamil Nadu, INDIA
Mob:[protected]
I have obtained my earlier loan in Family Credit unfortunately my father's health was not good and i have spent so much money to the hospital. Due to this that the provided cheque to Family Credit has been bounced, since i am in deep trouble that i am unable to spend the money for my co -brothers marriage.
I kindly request you to remove my name in the defaulters list and do the needful on priority.
PAN NO: BAQPP4599G
Thanks with Best Regards
D. PRABHU
No.22, Rajeshwari 2nd Street,
Gokulapuram
Chengalpet Taluk
Kancheepuram District - 603001
Tamil Nadu, INDIA
Mob:[protected]
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Hoechst House, 6th Floor, 193 Backbay Reclamation, Nariman Point, Mumbai, Maharashtra, India - 400021
Now the situation is this, that our own Copuntry's products have been shut down resulting 'Un-employment' and No-flow of money through common people of India. Country's money has been captured by a 'Few Hands' instead of 'Multi-hands'.Our Indian Government had never taken care of the present situation which has been the Bone of Contension' in the present scenerio.
The Failure of more than 24 Banks in America, has been the result of above fact, and now the same is going to repeat in India. People buy commodies o[censored]tmost Necessities now a days because of the weaker Rupees' purchasing power but no other additional source of income either by putting extra unskilled or skilled labour.
But the habit of getting loan to poor people of India on easy terms & conditions without a guarantor, made by the MNCs, made people to get them registered with CIBIL (that too created by themselves to use the Maximum Cream out of Milk).
S.K.Palanwal