[Resolved]  Credit Information Bureau (India) Limited — Customer Name in CIBIL Defaulter List inspite of having settled all dues.

Credit Card — defaulter

sir, i am state bank of indore credit card holder my card was experd and due amount Rs.0.0 and no any credit but you are showing defolter in lone web. sir my credit card no. is [protected] adr.1584 d sudama nagar indore(m.p.) pin no. 452009 mob. no. [protected] date of birth 06/09/1979 sir kindlare sol the problem sir i have safreing for lone problem.

Sir,

I have recently settled a credit card payment of HSBC for Rs. 9000/- in one shot. My name came in defaulter list and name might have been published by HSBC. Thereafter, this Oct I have applied for loan from AXIS, BARKLAY, HDFC, but they have rejected my case due to negative opinion from 'CREDIT MANAGER'. This i came to know that on the basis of recommendation of "Credit Manager", the bank approves loan amount to a customer. I have been regularly paying loan to HDFC, ICICI. The 22 instalments were cleared out of total 36 EMIs. I am shocked. How I am a defaulter, when settled HSBC credit card and cheque cleared on receipt of settlement letter during Aug 2008.

Please clarify.

AVIJIT BANERJEE
PAN : AIQPB5717P

Sir,

I have recently settled a credit card payment of HSBC for Rs. 9000/- in one shot. My name came in defaulter list and name might have been published by HSBC. Thereafter, this Oct I have applied for loan from AXIS, BARKLAY, HDFC, but they have rejected my case due to negative opinion from 'CREDIT MANAGER'. This i came to know that on the basis of recommendation of "Credit Manager", the bank approves loan amount to a customer. I have been regularly paying loan to HDFC, ICICI. The 22 instalments were cleared out of total 36 EMIs. I am shocked. How I am a defaulter, when settled HSBC credit card and cheque cleared on receipt of settlement letter during Aug 2008.

Please clarify.

AVIJIT BANERJEE
PAN : AIQPB5717P
Cell : [protected]

Sir,
I was having the SBI credit card, since i have clear all dues in month 27/03/07 with respect to SBI credit card bearing no.[protected]the credit card), Though my SBI CREDIT CARD bal is nil as per bank record it shows no dues at my side. then also my name is highlighted in CIBIL. SO PLEASE WITHDRAW MY NAME FROM YOUR CIBIL REPORT.

Credit Card — hard / soft copy of satatment

Sir,
My credit card No.[protected] hard copy of statment of account could not recived from 1509.2008 to till date how can make the payment in time.
Also soft copy of the same credit card could not recived from 16.10.2008 to till date how I know the total outstanding amount due and how much amount you will debit in my account
Please look this matter secessarly

I am a ICICI credit card holder. My total outstaing is rs. 95000. I had told bank to so many time to close my credit card account and conver my outstaing in to EMI so it is convinient for me to pay. Because 95000/- rs. is big amount for me and one time payment for all outstanding is not possible. meanwhile i m paiying minimum amount. But my outstanding are same as it is.

Kindly give me right suggestion for my prob. I dont want to be defaulter.

Regards
Abhilash Mistry
Ahmedabad

Sir i would like to check the defaulter list CIBIL.which is the website.
Tanks in advance.


thanks and regards
veerappa

i have a credit card . last time a credit card machine holder froudwith me i complant in customer care but bank take no action on machine holder and payment due in my account with interest . i sign the satallment letter and pay the amount .than card bank issue me no due certificate but my name is in CIBIL . now when my name is cleared in CIBIL list .

only bank has access to it. guys .. wait for some more time every one's name in india would be on that list not for whom bank will provide loan.

here is the cont details if you need
CIBIL Helpdesk :[protected]
Tel : +91 -... / 2281 7788
Fax : +[protected]
Email : [protected]@cibil.com

You can contact Banking Ombuddsman (RBI appointed subsidary) which will take up consumer complaints on banks. The process will take about 1 to 3 months for Banking Ombuddsman to get the issue resolved. The complaint can be made online. Banking Ombuddsman mail id can be found in RBI website.

Dear Sir/Madam:

I was holding an HSBC Credit Card and in the last of 2007, they started sending inflated bills, which I never used. I had canceled the card saying that their billing is inappropriate and thus I would like to cancel the card.

They reverted back to me on phone saying they are sorry for all this, and they requested me to take a fresh card (with the same number)from them. Though I initially said I will be taking the card, but I did not do that.

Recently I was trying for a personal loan from ICICI and was shocked to find that my name is there in the Defaulter List of Credit Information Bureau.

Please advise.

Thanking you,

Nayan Kumar Mandal
Kolkata

I was offered Medcial Insurance by M/S Standard chartered Bank on my credit card thru. their sister concern M/s Royal Sundaram. Unfortunately Policy was never delivered to me and SCB started shying away from me. On suggestion, I aaproached Royal Sundaram, Chennai. However they refused to entertain me as my name was not there in their list. After so many mail and telephonic follow-ups with SCB and me visiting Lower Parel office, I was shown the confirmation mail from Royal Sundaram regarding reversal of charges and credit to SCB. I was shown the SCB database, having outstanding as Rs. 800/-. I was asked to wait for final statement. One year later, I was offerred to settle the account by paying Rs. 862/-, which I paid in cash with receipt issue to me. I was surprised to note that my name has been put in CIBIL list by Standard chartered Bank for Credit card default. I want to settle it out legally. Could anybody please suggest me how to proceed. I have all the documentary proof to support my claim.

Sir,
I was having the ABN AMRO credit card, since i have clear all dues in time but it was showing dues in my account due to bankers mistake but every time when i applied for new credit card for any other bank they always send a letter defining that you have been declined for this service according to credit card bureau, but please let me know where my mistake is & why my name is being spoiled due to bankers mistake as ABN AMRO bank has also realised its mistake & they have send me a letter for clerance of all the dues on my email address & i have also discontinue my card & even i have got a hard copy from bank regarding the discontinuation of card .Though my ABN CREDIT CARD[protected]‏)bal is nil as per bank record it shows no dues at my side. then also my name is highlighted in CIBIL. SO PLEASE WITHDRAW MY NAME FROM YOUR CIBIL REPORT, i shall be very thankful to you.Below is the details mail which i got from ABN AMRO bank Manager regading the cancelation & clearance which is having refrence no. for more clerification

Dear Mr.Kukreja,

We refer to your email dated November 26, 2008.

Please note that your request for cancellation has been processed and the card is cancelled as per our records.

We would also like to inform you that all the charges along with associated service tax have been reversed and there are no dues on the account.

You may also quote the reference number [protected], in case you need any further clarification on the above resolution.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Manager, Client Response Unit

pls send my recent credit card statement on email.

Sir i would like to check the defaulter list CIBIL.which is the website.
Tanks in advance.

My name is still in CIBIL Defaulter List despite of clearing all dues with the banks.

Please confirm that my name has been withdrawal from CIBIL defaulter list at the earliest. If you have any other queries, please inform me for my disposal immediately.

Thanking you

Shyamal Kanti Rana
4, Hind Road, New Santoshpur
Kolkata - 700 075
Ph:[protected] / [protected]

I have applied for Home Loan but in your record you have default me for any credit card outstanding. Please inform me about this outstanding or clear me this. As I already given Rs 5.00 lacs in cash for this property. So I am again request you issue me clearnce certificate so that I avail the loan from other wise I have to face big problem.

Vijay Kumar Sood
M No [protected]

Neelkant Apartment
A-163, Dilshad Colony
Delhi-110093

I was having cards during 1998 to 2000. I have settled all the three based on the settlement letter issued by STANDARD CHARTER BANK, after final payment of the letter value.

But when ever I apply for any loan it is rejected saying that CIBIL is not approving. What is this, even this I come to know only when I asked for the reasons. If CIBIL is the agent for check, you should have all the correct information to comment on somebody for whom bank gives you information even after the settlement is over. If they feel that what amount collected is less then the expected, then the bank should not encourage settlements. I think CIBIL is doing a wrong job just giving information on other banks information. .

Please reply.

M.Raghunathan
Chennai

Dear Sir

I have settled a credit card payment of HSBC for Rs. 6000/- dated 13 Dec 2006. My name is still in defaulter list published by HSBC.

The worst part is that no ones knows in customer service dept of HSBC about CIBIL defaulter list. According to them its Collection Dept JOB, and according to Collection dept its Agency Dept who looks after Cibil defaulter list. Collection department provided 18 nos all of them which are wrong or does not exits[protected]/5687/6115/5682/5639/ ect.

Request to remove my name or else suggest me where I can approach to make my name removed.

Thanks & Regards
Mohd Asad Qureshi
[protected]

Dear All,

You should visit to RBI Office and ask them to help you for same matter they will guide you on same.

Otherwise you should apply case on consumer court also against same. They will help you

Rgds - Rajiv