[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]

I completely agree with this...CIBIL screws things up...is there any way out of it since we are now folowing the US system...even they offer help to improve the cred history...

Do the following and help will come your way...join in now and lets change the situation: go to
http://forum.cro4india.org. I did it and I got help from them...related to your queries.

citibank has classified me as a defaultor for a settlement done way back in 1998. i even got a letter from citibank that my account is clear and they have also given me two credit cards last year. HSBC has also given me a loan last year. but this year when I applied for a loan with HSBC the cibil report is coming in my way. kindly advise what can be done. as CIBIL does not seem to be updating information from time to time and is becoimg a nuisance.

Write to IBNlive or ndtv. Let them analysis show the details.
When a group of more than 100 writes these media channel will listen and analyse.

CIBIL — CIBIL-THE MENACE

The cibil system looks to be very strange since banks can easily get free by slapping unfair charges on the customer/consumer.The customer, on the other hand, if is in urgent need of loan, has no other way but to meet up with unilateral expectation of the banks.

CIBIL seem to act as a protector o[censored]nfair practices followed by these banks .

In my case ABN AMRO has reversed the overdue amount (as claimed by you) themselves & Standard Chartered has taken a good amount of money from me for reasons for which they do not have any explanation.I had no other way but to pay Standard Chartered the amount they are asking since I had the urgency to get my name removed from CIBIL list as I have been suffering from financial losses & mental agony.

Where is the protection right of customer/consumer? Can ABYBODY tell us what I do in such cases?

I want check my credit score in cibil how?

Arivalagan

Dear Sir

Request you to please send me a brief on the default details.

The control number is[protected]

Regards

Sudhir Nagaraj

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. as per todays position, i have applied for a loan o[censored]sed car but ICICI & HADFC bank has refused to approve.as i am having all my accounts in HDFC for last 2years aprox and doing good transaction . i need to know the exact reason or other way, how can i be fre from these situations? please guide me properly.
shall be very much thankful to you.

sincerely yours,
shyam singh tanwar
D.O.B. 8th May, 1975
ad.:- T-1/17-B, Sahyog apartments, sector-06, vidydhar nagar, jaipur-302023(Rajasthan)
[protected] /[protected]

I Want to know that for what time the name remain in cibil

hi
could u give me a link to access the satyam database for our name ?

Dear sir I am a CREDIT CARD holder of ICICI BANK in rohini branch sector-8.I request  you please give and send my default detail urgently.

thank you

chand babu

Same as below

ICICI has classified me as a defaultor for a settlement done way back in 2007. i even got a letter from ICICI that my account is clear and they have also given me two credit cards last year. Citibank has also given me a loan last year. but this year when I applied for a loan with HDFC and ICICI the cibil report is coming in my way. kindly advise what can be done. as CIBIL does not seem to be updating information from time to time and is becoimg a nuisance.

Hai,

I have a icici banks EMI credit card whic his 6 month old and i often had applid for a standard card with icici bank for normal transactions but the icici bank is declining my application without giving any specific reason. if they can issue me an EMI card on which the return interest is so high why they cant issue their standard card. My Date of birth is 21/03/1983.

Regards,

Harpreet Walia

Hi,
I had closed my credit cards by obtaining letter from the banks saying its full and final ssettlement. But after year now my car loan rejected saying there is overdue and the balance is written off and the written of amount is zero in one card and 12876 in other. what should i do now?? because the bank details not given i don have any clue where should i go to find solution for this?????

Hello! Last two years ago, I got a Bajaj Pulsar with HP of GE MONEY, but after some months I was not able to pay EMI on time so I am surrender the bike to the same. But the recovery officer tolds me that GE MONEY will sale the bike and refund the remaining amount out of loan.

But there is no any reply from the same.

And now after few months, I represent myself for personal loan in 3-4 bank, and loan was rejected due to CIBIL case.
I am suddnely shocked that I don't have any idea that I am the defaulter of GE MONEY.
cause, their is no any instruction or mail or letter from the same bank for outstanding amount.
The outstanding amount shows 7000/- only. For for only the same amount my 3 lakhs proposal is rejected for only CIBIL. Then Who is responsible for my big loss?????????????? can any one is helping me for the same.

Hi

HSBC Bank does not provide statement to credit card customers and just collects money and does not resond to any of the queries,

And threaten custometrs thar they gonna put a name in CIBIK, is there a way that customer can file a complaint against the bank
let us know

Srinath

Dear Sir,
I JUST WANT TO KNOW WHETHER MY nAME IS ADDED IN CIBIL as iam going to apply for a personal loan.For that what all detail's required ...Kindly Send me an Reply E-mail.


Manoj.M
[protected]
Bangalore...

I HAD APPLIED PERSONAL LOAN IN ICICIBANK.(STATUS -REJECTED).BECAUSE OF CIBIL SHOWINGS OVER DUE RS 45000/-.BUT IAM NOT HAVING ANY LOAN IN ANY OTHER BANKS.IAM HAVING SINGLE LOAN IN ICICI BANK LTD.

NAME:SHAIK MASTAN,
S/O.NAJAR SAHEB,
ADDRESS:D.NO:25-17-73, SRINIVASARAO PET 8th LANE,
GUNTUR-522004.
PAN NO:AHHPM2317G,
D.O.B:[protected].
MOTHERS MAIDEN NAME:SHAIK
MOBILE NO:[protected],
OFFICE ADDRESS:[protected]/A ANKI REDDYPALEM, GOVIND COMPLEX, PROP LARRY OFFICE, NH5 BY PASS ROAD, ANKIREDDYPALEM, GUNTUR -522005
OFF NO:[protected],
[protected].

Sir,

I am Dharun Kumar; my CIBIL control no is[protected]. I has been take a Two wheeler Loan from HDFC Bank with 12 EMI scheme Loan Account No is 10676477, Loan amount is Rs. 31, 000 and the EMI is Rs. 2858, this loan taken on 18/09/2006. Already I have closed this loan on 14/12/2007. At right now my loan status is closed level.

At right now I have a pre approved loan from ICICI Bank and also I applied for it. The loan reference no is 60448299. So kindly change my status on CIBIL with immediate effect.

My contact details Phone : [protected] email: [protected]@gmail.com

With regards
Dharunkumar R

Sir,
I did sent a complaint in 7 days ago. But unfortunatly i did not get any result from u. So kindly do the needful one to me

I am Dharun Kumar; my CIBIL control no is[protected]. I has been take a Two wheeler Loan from HDFC Bank with 12 EMI scheme Loan Account No is 10676477, Loan amount is Rs. 31, 000 and the EMI is Rs. 2858, this loan taken on 18/09/2006. Already I have closed this loan on 14/12/2007. At right now my loan status is closed level.

At right now I have a pre approved loan from ICICI Bank and also I applied for it. The loan reference no is 60448299. So kindly change my status on CIBIL with immediate effect.

My contact details Phone : [protected] email: [protected]@gmail.com

With regards
Dharunkumar R