Comments
very much helpful
I use to own a HSBC credit card, I use to do regular credit card payment.
But One fine day HSBC stopped sending me the statement, despite og my so many request they never reacted properly, in NOv 2007 I told them I do not want to carry the card anymore Kindly send me the settlement amount as they have charged me unneccessarily intrest on it. I was told the amount which I am payable to bank is Rs, 10, 000/-, I was given the oprtion that 2500/- chq be issued fiest then balance which is 7500/p another chq payment, They never depoisted that chq, despite of my several reminders, to HSBC Noida, their call centre they never listened then one fine they called me and told that please do the stop payment of the chq, I told that kindly return my chq, because stop payment will be charged and in case they (HsBC) depoisted the chq and I dont have that much balance in my accont then chq would be dishonour and I will be ansewerable to the bank. They never returned the cheques THen in Oco 08 they told me to do the settlement I said fine Now I will give you one chq and I want the NO DUES Certificate also they said after the chq is credited in their account I will receive a o balance payment statement then they will issue me a No dues Certificate.
Now I got the NDC in Dec, but the problem is I applied for the car loan in SBI, they said that the CBIL report is negativ as they have wriitten the the legal fees is waived off.
Now I have no idea what to do, where to go, as its not my fault. The bank only gave me a amount and I agreed to pay that amount after paying also I am suffering.
Please help me out on this.
Rachna Sahni
Victim of HSBC credit card.
But One fine day HSBC stopped sending me the statement, despite og my so many request they never reacted properly, in NOv 2007 I told them I do not want to carry the card anymore Kindly send me the settlement amount as they have charged me unneccessarily intrest on it. I was told the amount which I am payable to bank is Rs, 10, 000/-, I was given the oprtion that 2500/- chq be issued fiest then balance which is 7500/p another chq payment, They never depoisted that chq, despite of my several reminders, to HSBC Noida, their call centre they never listened then one fine they called me and told that please do the stop payment of the chq, I told that kindly return my chq, because stop payment will be charged and in case they (HsBC) depoisted the chq and I dont have that much balance in my accont then chq would be dishonour and I will be ansewerable to the bank. They never returned the cheques THen in Oco 08 they told me to do the settlement I said fine Now I will give you one chq and I want the NO DUES Certificate also they said after the chq is credited in their account I will receive a o balance payment statement then they will issue me a No dues Certificate.
Now I got the NDC in Dec, but the problem is I applied for the car loan in SBI, they said that the CBIL report is negativ as they have wriitten the the legal fees is waived off.
Now I have no idea what to do, where to go, as its not my fault. The bank only gave me a amount and I agreed to pay that amount after paying also I am suffering.
Please help me out on this.
Rachna Sahni
Victim of HSBC credit card.
Due to the CBIL, banks are taking advantages and listing customers name to the CBIL without informing anout the outstanding.
Hi
This is kailash and holder of icici credit card due to some reason i have to do stellement of my due
where as i have not use more than 10 thousand from my card and inthe last april i done setelment and for 17 thousand in 3 instalement in which i was notto able pay the last cheque and itwas bounce .but now again icici is foresing me to pay 16 thousnd where it is not afforable to me in the current conditions .s o reply what should i do in this conditions where i am telling the bank that i am ready to pay the amount 5000 which was balance .so pls relpy tome asap
This is kailash and holder of icici credit card due to some reason i have to do stellement of my due
where as i have not use more than 10 thousand from my card and inthe last april i done setelment and for 17 thousand in 3 instalement in which i was notto able pay the last cheque and itwas bounce .but now again icici is foresing me to pay 16 thousnd where it is not afforable to me in the current conditions .s o reply what should i do in this conditions where i am telling the bank that i am ready to pay the amount 5000 which was balance .so pls relpy tome asap
I was holding AMEX corporate card. Card has been given to one of my team member to use during this foreign travel. We were not able make the outstanding amount on the card as he returned to india only after the due date. I have not received any statement from AMEX about outstanding. We have a process of claiming travel expenses and getting credit to employee account. It took min 3 weeks to credit to employees account. the total outstanding has been paid off in next due cycle. So, AMEX team has charged Late payment charges once for not paying on time & second time for not paying late payment charges. All these transaction has been done in 2007 June. Actually, the problem / delay has not happened because o[censored]s. Now i am requesting our HR to request for reversal of this amount. So, i am feeling this should have gone to CBIL. because of which i am not getting any credit cards / loans. Please advice us how to get confirmation on whether it's gone to CBIL or not? if yes, what's the way to get remove from CBIL history.
Dear Kailash,
First of all kindly note that in every cases of SETTLEMENT ; in a prima facie, Banks use to incur a huge financial loss and thats what as per the guidelines they reserve the right to refer your card details to the negative database/regulators such as CIBIL which appears as " WRITTEN OFF ".
Secondly If at all you have gone for settlement, To avail this benifit too there is a particular fixed terms as mentioned below :
IN THE EVENT OF ANY INSTRUMENT ISSUED BY YOU TOWARDS THE DUES RETURNED BY YOUR BANKER UNPAID BY ANY REASON, THE OFFERED STRUCTURED PAYMENT OPTION WILL STAND NULL and VOID.
On this kind of event Bank will be entitled to demand/claim for the original amount as reflected in your credit card statement.For your information this kind of structured payment offer always have a base of special circumstances surrounding your card account and does not set any precedent.
So in order to give you a better advise, it is quite suggested to contact ICICI BANK for the better resolution.
Regards
K Rajneesh
Head
INDIAN CONSULTANT GROUP
( Expert in Banking Disputes & Grievances )
Email : [protected]@indianconsultantgroup.com
visit us : www.indianconsultantgroup.com
First of all kindly note that in every cases of SETTLEMENT ; in a prima facie, Banks use to incur a huge financial loss and thats what as per the guidelines they reserve the right to refer your card details to the negative database/regulators such as CIBIL which appears as " WRITTEN OFF ".
Secondly If at all you have gone for settlement, To avail this benifit too there is a particular fixed terms as mentioned below :
IN THE EVENT OF ANY INSTRUMENT ISSUED BY YOU TOWARDS THE DUES RETURNED BY YOUR BANKER UNPAID BY ANY REASON, THE OFFERED STRUCTURED PAYMENT OPTION WILL STAND NULL and VOID.
On this kind of event Bank will be entitled to demand/claim for the original amount as reflected in your credit card statement.For your information this kind of structured payment offer always have a base of special circumstances surrounding your card account and does not set any precedent.
So in order to give you a better advise, it is quite suggested to contact ICICI BANK for the better resolution.
Regards
K Rajneesh
Head
INDIAN CONSULTANT GROUP
( Expert in Banking Disputes & Grievances )
Email : [protected]@indianconsultantgroup.com
visit us : www.indianconsultantgroup.com
sir,
I am resident of Hyderaad, having icici credit card since 2006, in the year 2008 september 27 i received a message to my phone stating that i made transaction with vodafone mumbai immideatly i made a call to ICICI customer care they told that there are 4 transaction with vodafore for Rs. 6, 000-00 and reported the complaint for the 4 transaction and immideatly blocked my card, they instruced for sending fax to mumbai office for taking necessary action on the transaction and when i receied my credit card statement i came to know that there are transaction at mumbai at ADLABS and VODAFONE for Rs. 28000-00 immideatly again i called care center reported the same, after that i made complaints through online also but I never received any action from them.. but they are adding the interest and send the statemens to me regurally.. i had made minmum balance 2 times, after that in the month of february 2009 on person form ICICI Bank, by name Raju, had came called me and ICICI bank going to settling you account for Rs. 18, 000/- so please pay 10, 000/- for that I asked the settlement letter for the same for that they told that settlement letter will be given to me after paying the 10, 000/- beling the GREAT ICICI Bank I made the payment of Rs.10, 000/- on[protected], after that I made so may calls tothat executive but he never responded my calls, once he responded and stated that concerned lady in the department was in leave and he will give it in one day.. after one day called him again and requested for the same again he never responded for my report, vexed with their attitude I apporched the Credit Control Branch at Nampali, Hyderabad they told to approach Bagumpet Branch when I went their they told that u will receive a call soon but no body is anot taking care of my problem.
but I am receiving calls from ICICI bank people stating that i need to pay monies to them actuall my out staning balance to ICICI Bank is only 10, 000+1200+560+500+ on insurance policy.
in this junsture I requesting ICICI people to settle my account for that also they are not responding in a proper way
so please advise me what i need to do
I am resident of Hyderaad, having icici credit card since 2006, in the year 2008 september 27 i received a message to my phone stating that i made transaction with vodafone mumbai immideatly i made a call to ICICI customer care they told that there are 4 transaction with vodafore for Rs. 6, 000-00 and reported the complaint for the 4 transaction and immideatly blocked my card, they instruced for sending fax to mumbai office for taking necessary action on the transaction and when i receied my credit card statement i came to know that there are transaction at mumbai at ADLABS and VODAFONE for Rs. 28000-00 immideatly again i called care center reported the same, after that i made complaints through online also but I never received any action from them.. but they are adding the interest and send the statemens to me regurally.. i had made minmum balance 2 times, after that in the month of february 2009 on person form ICICI Bank, by name Raju, had came called me and ICICI bank going to settling you account for Rs. 18, 000/- so please pay 10, 000/- for that I asked the settlement letter for the same for that they told that settlement letter will be given to me after paying the 10, 000/- beling the GREAT ICICI Bank I made the payment of Rs.10, 000/- on[protected], after that I made so may calls tothat executive but he never responded my calls, once he responded and stated that concerned lady in the department was in leave and he will give it in one day.. after one day called him again and requested for the same again he never responded for my report, vexed with their attitude I apporched the Credit Control Branch at Nampali, Hyderabad they told to approach Bagumpet Branch when I went their they told that u will receive a call soon but no body is anot taking care of my problem.
but I am receiving calls from ICICI bank people stating that i need to pay monies to them actuall my out staning balance to ICICI Bank is only 10, 000+1200+560+500+ on insurance policy.
in this junsture I requesting ICICI people to settle my account for that also they are not responding in a proper way
so please advise me what i need to do
Dear Sir,
My name is vivek n ansurkar
I have cleard all my dues with ABN AMRO Bank credit card.
please look into the matter urgently and kindly remove my name from the default list I hope you will oblige my request and do the needful at the earleist & inform me ASAP.
I will appreciate a line from you.
Regards,
vna
My name is vivek n ansurkar
I have cleard all my dues with ABN AMRO Bank credit card.
please look into the matter urgently and kindly remove my name from the default list I hope you will oblige my request and do the needful at the earleist & inform me ASAP.
I will appreciate a line from you.
Regards,
vna
Dear Sir
I had taken a home loan from ICICI bank in Feb 2005 to purchase a flat in Bhubaneswar from a builder.The bank sanctioned 11.0lakhs of Rupees.But in 2006 I had gone through financial crises and unable to pay the pre EMI . So I had surrendered the flat to builder and builder made a agreement to cancel the possession letter, repay the outstanding amount to bank, and will resell the property.But unfurtunately the builder did not repay the money to bank.Instead he had been depositing EMI regularly till March 2009 and the same flat had sold at Rs.28.0Lakhs to a person.The total amount was refinanced by same ICICI bank withiut closing my existing loan.In April 2009 I have applied a personal loan in Axis Bank and they have refused to sanction a P.L. Because my name is entered in cibil.Earlier Axis Bank had given me Rs.1.25 Lakhs and Rs.0.55Lakh as top up.So I just cant under stand how it is possible. Please advice me.
I had taken a home loan from ICICI bank in Feb 2005 to purchase a flat in Bhubaneswar from a builder.The bank sanctioned 11.0lakhs of Rupees.But in 2006 I had gone through financial crises and unable to pay the pre EMI . So I had surrendered the flat to builder and builder made a agreement to cancel the possession letter, repay the outstanding amount to bank, and will resell the property.But unfurtunately the builder did not repay the money to bank.Instead he had been depositing EMI regularly till March 2009 and the same flat had sold at Rs.28.0Lakhs to a person.The total amount was refinanced by same ICICI bank withiut closing my existing loan.In April 2009 I have applied a personal loan in Axis Bank and they have refused to sanction a P.L. Because my name is entered in cibil.Earlier Axis Bank had given me Rs.1.25 Lakhs and Rs.0.55Lakh as top up.So I just cant under stand how it is possible. Please advice me.
I have applied for home Loan through Sundrama Finance ..but my application was returned due to information given by CBIL that is written off by Some un disclosed Bank/Credit card issuer.I requested them to provide proper details which they do not have. I am regular paymaster to all my CC payment without any defaults. Pl adv any one that how to approach CBIL to know this details to correct my self if i am due to any bank and also all the previous loans are closed, but show outstanding balance
plz provide full details
my control no 39, 82, 12, 095
plz provide full details
my control no 39, 82, 12, 095
Some one has misused my name as garantor for personal loan, and I need to know how do I get the list of loans against which I have been made as a garontor
i want to know about my cbil report, can you help me? what details would you require?
please guide
please guide
Please note i have closed some of my credit cards and personel loan 3 years back.
But still it shows some pending. I hereby request you to update.
But still it shows some pending. I hereby request you to update.
I have come across lots of instances where, banks have reported credit card customer to cbil. And most of the customers were genuine. No one will pay, wrong charges. And this kind of reports must be verified, before innocent people are reported.
We have to remember only one thing that nobody is 100% right.
We have to remember only one thing that nobody is 100% right.
I have opened a OD facility account from ABN Amro bank, and I never use that account, at the time of opening that account it was told me that no charges will be there. Now I have applied for a personal loan with HDFC Bank and banker says that you have been listed at CIBIL for defalter case, and the application has been rejected.
Now HDFC bank is not able to provide the details and hence I am not able to do any thing. please suggest what should i do.
Regards
Radhey
Now HDFC bank is not able to provide the details and hence I am not able to do any thing. please suggest what should i do.
Regards
Radhey
Dear Mr. Pandey,
First of all you should ask HDFC for the CONTROL no. of the said CIBIL report based on which your proposal was rejected.
After this you kindly mark a mail to [protected]@cibil.com along with the CONTROL no.You will be able to know about the default in clear within 2-3 working days.
Simultenously if at all this ( DEFAULT ) is due to the ABN AMRO BANK information...Better resolve it with ABN.
Kindly note that CIBIL is a organisation which has come into existence by the joint effort of the government of India and the RBI ; with the idea to gather all existing consumer and commercial credit information and pool it in a one-point source, for reference.
CIBIL acts as weeding mechanism that helps identify repayment track records of the customer. It helps protect lenders from giving credit to people and establishments who are unlikely to repay what is lent. Even if credit is provided, it is done so at a very high rate of interest, thereby ensuring that the bank is able to recover a considerable sum of money even if a default happens some time into the loan tenure.
On the other hand, on the availability of an impeccable repayment track record, one can reap benefits from it too.Banks provide a lower interest rate for sound credit profiles that have excellent credit scores.It also helps lenders and banks quickly process a loan, without wasting valuable time on research and background check on the loan applicant.
CIBIL provides only those information which are being shared by its members ( Presently banks, financial institutions, state financial corporations, non-banking financial companies, housing finance companies and credit card companies are members of CIBIL) about any customer on its report.
Please do note that if and when there are any grievances, the individual needs to resolve it with the concerned Bank or may write to the Customer Service Department of the concerned bank and after resolving the matter, the Bank informs CIBIL to take the necessary action.
CIBIL cannot modify any information in the database without the concerned member confirming the same.
Later on you should ask your Bank to send the updated data to CIBIL and subsequently CIBIL will upload the same onto its database. The changes will then get reflected on your Credit Report.
I feel the query is clearly clarified.
You may write me for any further clarification.
Regards
Kumar Rajneesh
Head
INDIAN CONSULTANT GROUP
Finance & IT Consultant
( Specialisation in Banking Disputes & Grievances )
Email : [protected]@indianconsultantgroup.com
visit us : www.indianconsultantgroup.com
First of all you should ask HDFC for the CONTROL no. of the said CIBIL report based on which your proposal was rejected.
After this you kindly mark a mail to [protected]@cibil.com along with the CONTROL no.You will be able to know about the default in clear within 2-3 working days.
Simultenously if at all this ( DEFAULT ) is due to the ABN AMRO BANK information...Better resolve it with ABN.
Kindly note that CIBIL is a organisation which has come into existence by the joint effort of the government of India and the RBI ; with the idea to gather all existing consumer and commercial credit information and pool it in a one-point source, for reference.
CIBIL acts as weeding mechanism that helps identify repayment track records of the customer. It helps protect lenders from giving credit to people and establishments who are unlikely to repay what is lent. Even if credit is provided, it is done so at a very high rate of interest, thereby ensuring that the bank is able to recover a considerable sum of money even if a default happens some time into the loan tenure.
On the other hand, on the availability of an impeccable repayment track record, one can reap benefits from it too.Banks provide a lower interest rate for sound credit profiles that have excellent credit scores.It also helps lenders and banks quickly process a loan, without wasting valuable time on research and background check on the loan applicant.
CIBIL provides only those information which are being shared by its members ( Presently banks, financial institutions, state financial corporations, non-banking financial companies, housing finance companies and credit card companies are members of CIBIL) about any customer on its report.
Please do note that if and when there are any grievances, the individual needs to resolve it with the concerned Bank or may write to the Customer Service Department of the concerned bank and after resolving the matter, the Bank informs CIBIL to take the necessary action.
CIBIL cannot modify any information in the database without the concerned member confirming the same.
Later on you should ask your Bank to send the updated data to CIBIL and subsequently CIBIL will upload the same onto its database. The changes will then get reflected on your Credit Report.
I feel the query is clearly clarified.
You may write me for any further clarification.
Regards
Kumar Rajneesh
Head
INDIAN CONSULTANT GROUP
Finance & IT Consultant
( Specialisation in Banking Disputes & Grievances )
Email : [protected]@indianconsultantgroup.com
visit us : www.indianconsultantgroup.com
Regards
Sudeep Sanyal