| |
CREDIT INFORMATION BUREAU (INDIA) LIMITED |
|
191 Reviews
|
|
Sandya Malhotra 
Send email
|
|
|
Customer Name in CIBIL Defaulter List inspite of having settled all dues.
Myself & my husband had applied for a home loan recently.
We were shocked to hear from the Banks (Standard Chartered Bank, ICICI Bank, Reliance Finance, Barclays Bank & Citibank) that both of our names are listed in the Defaulter List of CIBIL.
We have paid and settled all our dues till date and have the settlement letters from the concerned financial Institutions & Bank on their letter head that the full & final settlement has been done and there are no dues pending from our end.
We do not know which Financial Institution has reported our name in the defaulter list.
This is utmost unfair for a customer who is sincere and has settled all the dues and has never defaulted in any way.
We have never received any information from CIBIL asking for a confirmation if the name of a customer is listed in defaulter list whether is it correct?
We seek justice to get our names removed from the defaulter list with an immediate effect.We are ready to give all the proof and settlement letters issued by the concerned Financial Institutions provioded we are given the details of the same.
Please help us.
Looking forward to a suitable action at the earliest form your end.
Regards
Sandya Malhotra
|
 190 Comments |
|
|
|
Comments |
|
Dear Sir,
I, Anindya Banerjee had been facing acute financial instability being unable to pay my debts and dues to the Banks (ICICI, IDBI, CITI FINANCE, AMEX, AXIS).
I, Anindya Banerjee an INSOLVENT declared by THE HON'BLE HIGH COURT AT CALCUTTA and PASSED AN ORDER DATED 10-11-2008, AS AN INSOLVENT.
BY THE SAID ORDER ALL ASSETS AND LIABILITIES OF MINE VESTED ON THE LD. OFFICIAL ASSIGNEE (W.B.H.J.S.) AS THE PROVISION OF P.T.I. ACT, 1909 U/S.17&18.
I had sent my advocate's covering letters with Hon'ble High Court Order of my Insolvent to all my Banks and also RBI, OMBUDSMAN, Kolkata, dated 20.11.2008 and 22.12.2008.
From The Court they have sent letter to the ICICI bank TO CLOSE MY ACCOUNT but till date (10.03.2009) ICICI Bank did not CLOSE my account
All the Banks have received my Insolvent Order copy with my Advocate's Letter and receiving copies are with me.
Till I am receiving their phone calls and collection agents are also coming to my house after being they have received Order copy.
So my request to you to look into the matter seriously.
AND MY EARNEST REQUEST TO YOU THAT PLEASE WITHDRAW MY NAME FROM YOUR CIBIL REPORT.
Today I am sending all letters with Court Order copy to your Registered Office, Branch Office and The Chairman.
NB: ICICI Bank Credit Card Department have lodge a legal case against me on 17th March 2009 at 6th Metropolitan Masgistrate Court, though they have received the Court Order Copy of my INSOLVENT.
Please look into the matter.
I am awaiting your reply
Thanks with regards
Anindya Banerjee
PAN : AHCPA2891A
|
|
What is the process of making a defaulter list.
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.
|
|
What is the process of making a defaulter list.
Please confirm that my name has been CIBIL defaulter list or not.Please inform me.
|
|
Consumer information:
Name: Bindu C Ramesh Telephone No: 65636331, 24494495, Income Tax No: AAFPB7783C
DOB: 24-11-1954 Control Number 38, 91, 48, 693
To,
Credit information Bureau of India
http://www.consumercomplaints.in/complaints/credit-information-bureau-india-limited
I was surprised rather shocked to hear from the DHFL a housing finance institution, that my name is listed in the Defaulter List of CIBIL as WilfulDefaulter when I approached for a mortgage loan with them.
To put forth the record straight, I recollect that I had taken a credit card from Axis Bank under Card No: 4718-6101-0020-0956 with a limit of Rs.51, 000/- The Credit card account reflected an outstanding of Rs.33, 763.94 as on 26/09/2008. As I met with an accident, there were constraint to make payment and thus under my request, the Bank as a special case agreed to accept an amount of Rs.15, 702/- towards the full and final settlement of my card, thereby waived Rs.18, 062/-
You may agree with me that this does not amount to Wilfuldefaulter status to be mentioned in CIBIL
I have paid and settled the dues and have the settlement letters from the concerned Bank on their letter head that the full & final settlement has been done and there are no dues pending from myend.
I earnestly request you to get my name removed from the defaulter list with an immediate effect which will enable me to proceed further in obtaining loan. We are ready to give all the proof and settlement letters issued by the concerned Bank provided the informations are called for.
Please come to my rescue.
Looking forward to a positive action at the earliest form your end and a favourable reply from your end.
Regards
Bindu C.Ramesh
CC: 1) DHFL, Prince Arcade, Cathedral Road, Chennai-600 086
2) Axis Bank, Card Division, Chennai-600 017
|
|
Consumer information:
Name: Bindu C Ramesh Telephone No: 65636331, 24494495, Income Tax No: AAFPB7783C
DOB: 24-11-1954 Control Number 38, 91, 48, 693
To,
Credit information Bureau of India
http://www.consumercomplaints.in/complaints/credit-information-bureau-india-limited
I was surprised rather shocked to hear from the DHFL a housing finance institution, that my name is listed in the Defaulter List of CIBIL as WilfulDefaulter when I approached for a mortgage loan with them.
To put forth the record straight, I recollect that I had taken a credit card from Axis Bank under Card No: 4718-6101-0020-0956 with a limit of Rs.51, 000/- The Credit card account reflected an outstanding of Rs.33, 763.94 as on 26/09/2008. As I met with an accident, there were constraint to make payment and thus under my request, the Bank as a special case agreed to accept an amount of Rs.15, 702/- towards the full and final settlement of my card, thereby waived Rs.18, 062/-
You may agree with me that this does not amount to Wilfuldefaulter status to be mentioned in CIBIL
I have paid and settled the dues and have the settlement letters from the concerned Bank on their letter head that the full & final settlement has been done and there are no dues pending from myend.
I earnestly request you to get my name removed from the defaulter list with an immediate effect which will enable me to proceed further in obtaining loan. We are ready to give all the proof and settlement letters issued by the concerned Bank provided the informations are called for.
Please come to my rescue.
Looking forward to a positive action at the earliest form your end and a favourable reply from your end.
Regards
Bindu C.Ramesh
CC: 1) DHFL, Prince Arcade, Cathedral Road, Chennai-600 086
2) Axis Bank, Card Division, Chennai-600 017
|
|
|
i want name of cibil defaulties
|
|
|
i want to search my cerdit information
|
|
|
i want to know my cridit information
|
|
Hi
I have no any dues from Bank. don't know how my name is appearing in CIBIl, due to this no banks ready to give me any loans or Credit Card.
Please clear my name from CIBIL defaulter list.
My detail is,
Rohit Darji
DOB 16.12.79.
Mobile 9833821450
|
|
|
Even though I am not a defaulter with any of the financial institution, cibil has enlisted me in the negetive list. What's this cibil for? Is it to tarnish the name of individuals or to save banking industry. so careless & irresponsible people are working with this establishment.
|
|
I am going to apply for a home loan very soon.
I have paid and settled all our dues till date and have the settlement letters from the concerned financial Institutions & Bank on their letter head that the full & final settlement has been done and there are no dues pending from my side.
Due to some specific cases which I have heard recently and the unstability covering most of the financial institutions, I fear if any of them had reported my name in the CIBIL defaulter list and did not even care to remove the name even after all the dues are cleared.
I have a very sound and regular source of income and till date my credit worthiness with all the banks I have dealt with, is in the good books.
Therefore I am quite eager to take out a report from the CIBIL against my name(if it exists at all). What would be the procedure to procure the report ? What would be the ways to remove the name, if its exists in the defaulter's list in any way ?
Any help is really appreciated, since I would not want my home loan application to be rejected on these grounds.
Thanks a lot in advance.
Please revert back soon.
Best Regards,
Ayan Roy Chowdhury.
|
|
Dear Sir/Madam,
Iam shocked to hear from Saraswat Co-operative Bank that my name is found in the defaulter list of SIBIL (I had used ICICI Bank, HDFC Bank, HSBC Bank and ABN AMBRO Bank cards) which are closed last one year and the complete statement of account and closure letter is also available and shown to all the banks for updation at SIBIL
Still my personal loan is not being sanctioned from Sawaswat Bank due to the overdue updated and unclear report at your end
This is duely a non-compilance at your end that apart from being sure about by credit card payments iam receiving such a dis-satisfaction at your end
Request you to kindly take a note on urgent basis and give me a feedback as to whether i have to submit the closure letters to the bank again
Being loyal to all my financial transactions the treatment received is duely non applicable
Please treat this complaint as urgent and serious
Thankyou
Kohmal.M.Kuri
|
|
Dear Sir,
I was holding Barclays credit card. I have cleared my outstanding balance and Rs. 350.00 extra. I am getting calls from barclays that there is some amount due at my side b'coz of late fee charges added and I dropped chaque witin due date in suggeted drop boxes. Every time I am getting words via phone from barclays staff that they are going to provide my name in CIBIL.
Pls. help me for the same.
Thanks and Regards,
Subhash Chandra
|
|
|
i have setteled my citifinancial loan dues
|
|
i want to check my name in defaulter list.
Hem Paliwal
DOB 23.06.09
PAN NO.AKOPP8405A
|
|
Dear Sir,
GREEETINGS!!
I was used SBI Credit card 43175705705797505 in the name of Nitin Sharma and Jaya Sharma 2006, in which my outstanding amont is around 15000, I apologise for not make payments at that point of time leads to result in my name is become Black listed and all Banks stops there services to me. My date of birth is 10.11.1980
I want to make payments of that credit card and i want to settle down this case and resolved with an immeed effect. please make me a call at 09311052593 or mail me at nitinsharma_1980@yahoo.co.in
regards
Nitin
09311052593
|
|
Dear Sir,
GREEETINGS!!
I was used SBI Credit card 43175705705797505 in the name of Nitin Sharma and Jaya Sharma 2006, in which my outstanding amont is around 15000, I apologise for not make payments at that point of time leads to result in my name is become Black listed and all Banks stops there services to me. My date of birth is 10.11.1980
I want to make payments of that credit card and i want to settle down this case and resolved with an immeed effect. please make me a call at 09311052593 or mail me at nitinsharma_1980@yahoo.co.in
regards
Nitin
09311052593
nitinsharma_1980@yahoo.co.in
|
|
Putting any name is any defaulters list without the so called defaulter being given opportunity
is promoting arbitrariness and defaming that person to which the company publishing is at willing
partner to support crime of high handedness of credit card bank who are generally hiding
objections to unauhorized use of credit card as they do not provide proper office to receive
complaint against receiving in writing. The information for change in address is also hidden
so that matter gets old and abuse criminal process. Defaulters list by third party is also objectionable
even if RBI is made to give consent that is basically violation of banking by all concerned. Corruption
cannot be permitted based upon arbitrary dues, hiding objections to unauthorized charges by
credit card user, have to be looked into by defaulter list publisher as well as by RBI
only after giving opportunity to the so called defaulter. RBI's no objection by ignorance or deliberate
cannot make the credit card defaulter to be innocent party to defamation of a credit card holder.
All credit card users be allowed to object in writing and the address and name designation of the credit card bank receiving the complaint objection be notified in each district town in India. Verbal assurance by collectors to remove the unathorised charges should be in writing. Otherwise remove in above circumstances all names that are not been given opportunity to explain the fact of unauthorised charges etc. . No Opportunity to so called defaulter, no publication of list. Dated 25/MAY/2009
|
|
Long back i have settled my credit card payment for all the credit card which i was holding from 2004 to 2006 in one shot. My name came in defaulter list and name has published in trhe CIBIL defaulter list, Thereafter, this year 2009 I have applied for loan from IDBI Home Finance, but they have rejected my case due to negative opinion from 'CREDIT MANAGER'. Can you advice the procedure for removing my name from CIBIL so that i can be able to get the Home Loan from any of the Bank which iam trying still
Please clarify, and also confirm us the contact person or the Mail ID
Thanks in Advance!
Karthik N
9940662921
|
|
I had some disputed bill issue with HDFC bank credit card. I had used this card to make payment of a bill. It was used once of approx amount Rs 850/- . HDFC did not send bill in time or it was not reached in time. However on not reaching the bill, I have paid the amount but penalty was levied on me. After enquiry I was told of reversal. But after months with interest on the paid amount and further penalty bill was sent to me. There after I stopped using the card. But it was continued. There payment recovery agency harassed me for such payment. After a year they offered for settlement against an amount of Rs 1000/- ( fully extra amount for which I am not at all guilty), however for the sake of relief from the harassment from the bank I have paid the said amount of Rs 1000/- as full and final settlement with a letter from bank and receipt of the payment. But even after receiving the settlement amount they have entered my name in CIBIL report as high credit. Since HDFC is the owner and member of CIBIL they can write as per their own wish. Recently I have applied for a lone through which I came to know about this. CIBIL does not mention name of the bank that entered the name of the person in the Cibil report, due to which sometimes it is found difficult to identify that where the default is occurred and apply to the respective bank to rectify or remove the name from CIBIL.
ICICI bank loan department also did the same thing. I had a two where loan. Repayment of the same was done absolutely in time vide PDC without any kind of default. Even after one year of receiving and full loan amount payment, they have continuing to keep my name in CIBIL report due to which approval of loan is in abeyance. Thus the banks and institution are found irresponsible to use cibil an process to get relief is not easy and innocent people are suffering for this and CIBIL is telling since this is not under public authority, is not coming under Right of information Act. And individual have no right to know about their own history whether the same is malformed or in proper.
S Roychowdhury.
|
|
|
Post your Comment
|
|
|
Anindya Banerjee
ANANT KUMAR BHARTI
Bindu C Ramesh
