[Resolved]  Standard Chartered Bank / Credit Card Department — Informing CIBIL as Defualter

Dear Consumer forum,

Pls note the below correspondence between Myself and Standard Chartered Bank.

I will give u a short snapshot
1) i had applied for a housing loan with Statebank of India which has got rejected because CIBIL has reported my name in the defaluters list.
2) i checked with Cibil who mentioned that Standard Chartered Bank has reported the same.
3)Checked with SC Bank they have give me a card number whic i used to use between 1997 and 2000

at that time i remember SC Bank had charged me Annual fees for the card which i was not getting charged by other Banks hence i requested SC bank to waive off the same. they didn;t and i stopped using the credit card this was informed to SC bank to their phone banking. i paid of all the dues( ie the money i had spent on that card)and stopped using the card. i have not got any statements since 2001 which meant they have taken cognisance of my call and have cancelled the card.

there has been no reminder no call from Standard Chartered Bank, no statement sent to me after year 2001( precisely March 2001) my salary account has been with Standard chartered bank from 2001 april to November 2005 and now from Nov 2008 till date. I work as Senior Manager Sales in NYK Line which is leading Japanese mulitnational in Shipping business.( they bank with Sc bank as well) in 2004 i have been sanctioned a housing loan of 22.5 lacs by Sc Bank on 14th june 2004 wide letter no.mum/14091 channel code M183.

It really surprises me that In Spite of i Being a customer of SC Bank for so long they have treated me very badly. They have sabotaged my image in front of my bankers and this really causing a lot of agony to me. In light of the above situation i feel if i donot get my name removed by Name from the CIBIL list i will losse the opporatunity of getting a housing loan. this is absolute injustice on a person like me who is financially stable and has a record of clearing every dues. If i donot get my loan cleared before this month end i'am loosing a very good offer from State Bank of India and moreoever my name is tarnished for no fault of mine. It is SC Bank who had given me the card, when i informed them to cancel they have not done the same kept on adding charges monthly on the same interest on the same and has created a a outstanding of Rs5562/- which i donot owe because i have not spent the same.

Someone told me that consumer forum could help/ guide me to come out of this situation as a i individual i'am too small to fight with a mutlinatinal bank like Sc Bank but i if i get a chance to rpesent my case in front of any one in Sc bank ican proove that ihave not spent any money on this card and it just the charges and interest and late paymnet charges that have accrued for 3 years. Pls let me knwo how to go about in this issue. Your guidance will help me remove the name from CIBIL list which will jeopardise my all future aspirations in Life.. This would be a real in justice on a common man like me...

Await yours.

Regards,

Vinit Gadkari
c-302, Runwal Estate, ghodbunder road, Thane west 400607
tel no.+[protected], mobile no.[protected]


RE: CSEEML : FW: Regarding CIBIL report (control no.[protected]KMM2052746I15977L0KM)‏
From: vinit gadkari ([protected]@hotmail.com)
Sent: 06 May 2009 17:00PM
To: standard chartered Bank (card.[protected]@in.standardchartered.com)
Dear Vanitha Balaguru,

Can you pls advice me on the below :
1) the credit card number on which Rs.5562.03 has been writtne off
2) when was this credit card issued to me and when was it expiry date
3) when was the last statement of accounts sent to me?
4)what type of attemt is made by Standard chartered to contact me after sending the outstanding statement?
5) when was the last transaction made on the subject credit card?
6) when have you recieved the last payment from me on the credit card?

Let me tell you i donot owe a single penny to standard chartered bank as i have not used your credit card after settling of all the dues. i have not received any statement from you after my stoppage o[censored]sing your credit card since the year 2000.
There has been no attempt from standard chartered bank to contact me inspite of all my contact adress and telephone numbers were available with the bank.

Pls reply to my above mentioned queries as early as possible...


Regards,

Vinit Gadkari







> Date: Wed, 6 May 2009 16:19:25 +0530
> From: card.[protected]@in.standardchartered.com
> To: [protected]@hotmail.com
> Subject: Re: CSEEML : FW: Regarding CIBIL report (control no.[protected]KMM2052746I15977L0KM)
>
>
> Ref : 04/09/059190
>
> Dear Mr. Gadkari,
>
> This is with reference to your e-mail dated April 28, 2009.
>
> We wish to clarify that Credit Information Bureau India Limited
> (CIBIL), is a repository of information, which contains the credit
> history of the various credit facilities availed by commercial and
> consumer borrowers.
>
> We confirm that the Bank has waived an amount of Rs. 5562.03. On date,
> there is no outstanding in your card account.
>
> We request you to effect payment of Rs. 5, 562.03 for us to review your
> card account in the records of cibil.
>
> Assuring you of our best services always
>
> Yours sincerely,
>
>
> Vanitha Balaguru
>



________________________________________
From: [protected]@hotmail.com
To: card.[protected]@in.standardchartered.com
CC: [protected]@cibil.com; [protected]@in.nykline.com
Subject: RE: Regarding CIBIL report (control no.[protected]
Date: Wed, 6 May 2009 15:40:40 +0530

Attention Credit card Department,
To: Customer Service Manager,

I'am still awaiting your response on the below mail.
I received a call from your bank about the written off status informed by Standard chartered Bank to Cibil.
The person said that i need to pay aprox rs.5, 500/- to clear the same..

But i have not got response on the below

I have been enquiring on which credit card number have the written off been there no response about the same.
when was the last statement send to me about the same there is no reponse on the same...

My housing loan with the State Bank Of India is getting delayed becasue of the same.
this is causing absolute harassment to me. i'am not aware of any outstanding due to standard chartered bank.

It surprises me especially because i have a savings bank account with Standard chartered bank for the past 7-8 years and out of that for lamost 5 years that has been my main salary account.

Await your earliest feedback on the below ...

Regards,

Vinit Gadkari



________________________________________
From: [protected]@hotmail.com
To: card.[protected]@in.standardchartered.com
CC: [protected]@cibil.com; [protected]@in.nykline.com
Subject: RE: Regarding CIBIL report (control no.[protected]
Date: Mon, 4 May 2009 22:58:55 +0530

Attention Credit Card Department,
TO: Customer Service Manager,

I had sent this below request to you almost 6 days back. but i have not got any response from your side apart from the acknowledgement of receipt of the mail.

I had also spoken with your customer service department and they have confimred that they would be informing CIBIL to remove my name from the defaulters list. but i have not got any confirmation to that effect.

As a result my housing loan approval from State bank of India is getting delayed and hence request your goodself to pla look into the matter and send me a confirmatory mail that the required information has been provided to CIBIL.

Await a urgent confirmation for the same...

Regards,

Vinit Gadkari



________________________________________
From: [protected]@hotmail.com
To: card.[protected]@in.standardchartered.com
CC: sbi.[protected]@sbi.co.in; [protected]@cibil.com
Subject: FW: Regarding CIBIL report (control no.[protected]
Date: Tue, 28 Apr 2009 16:59:56 +0530



Attention: Credit card deprtment,

Pls note the below correspondence. i have been rejected a loan from State bank of india becasue cibil has reported written off status of my credit card. when i enquired with cibil about the same they have giiven the below mail saying it is standard chartered bank who has reported that the account status is written off on my credit card and it was reported on 28/02/09.
But i donot use a standard chartered credit card..

Can you pls clarify as to how have u reported the below to Cibil without i having a credit card in my name with standard chartered bank?
Await your urgent replies on the same...

Regards,

Vinit Gadkari

________________________________________
From: [protected]@cibil.com
To: [protected]@hotmail.com
Subject: RE: my credit card return of status
Date: Tue, 28 Apr 2009 16:15:34 +0530


Dear Sir,

With reference to your mail, please find the updated status of the control number[protected] as follows:

Account type: CREDIT CARD
Account Status: WRITTEN OFF
Amount Overdue: NIL
Reported by: STANDARD CHARTERED BANK
Account Information: [protected]
Date Reported:[protected]

Thanks & Regards

Nayab patel.

This document is classified as : (-) Public (-) Internal (X) Private (-) Departmental (-) Confidential


vinit gadkari <[protected]@hotmail.com> 04/27/2009 04:19 PM To <[protected]@cibil.com>
cc
Subject RE: my credit card return of status






Dear Anup,

Pls find the below details as required by you.
Control number of the credit report[protected]
Type of loan : Home Loan
Date Oppened : 15th April 2009
loan amount : Rs.19, 29, 000/-
Credit insitiution who has taken your report: State Bank Of India.

U have mentioned that on my credit card once a bank has written of Irs13, 500 as bad debts.
Frankly speaking i have not been so fortunate till date.

Pls find my details as below

Name: Vinit Vasant Gadkari
Date of birth : 19th June 1974
Adress Home: C-302, Runwal Estate, Ghodbunder road, Opp lawkim, Thane west 400607
adress office: Nyk Line (india) ltd., Neville House, , J.N.Herdeia Marg, Ballard Estate, Mumbai 400001
Home Tele number : 25895940
Moibile Number :[protected]
Pan No. ADIPG3527F
passport number : B0500403
voters card MT/10/057/1128231

Pls clarify which is the bank who has written off the loan given to me on my credit card and when...

Await your urgent advices..

Regards,

Vinit GAdkari

________________________________________
From: [protected]@cibil.com
To: [protected]@hotmail.com
Subject: Re: Fw: my credit card return of status
Date: Mon, 27 Apr 2009 14:26:06 +0530


Dear Sir,

With reference to your mail, we would like to inform you that at present individuals cannot access their credit reports from CIBIL. We request you to avail a copy of your credit report from the credit institution that you have approached for credit and which has denied your credit application.

In case of any clarification regarding the credit report, kindly mail us the control number of the credit report alongwith the account details i.e. (Type of Loan, Date Opened and Amount) of the dispute/discrepancies in the credit report.

In addition to the above we also request you to provide us with your personal details such as Full Name, Date of Birth, Address (Residence and Office), Phone numbers, Pan no, Voters Id and Passport no to help us assist you further.

Thank you.

Regards,
Anup

This document is classified as : (-) Public (-) Internal (X) Private (-) Departmental (-) Confidential

Support Team/Cibil
Sent by: Anup Nair/Cibil 04/27/2009 02:25 PM To Info Cibil/[protected]@CIBIL
cc
Subject Fw: my credit card return of status







Regards


This document is classified as : (-) Public (-) Internal (-) Private (-) Departmental (x) Confidential
----- Forwarded by Anup Nair/Cibil on 04/27/2009 02:25 PM -----
vinit gadkari <[protected]@hotmail.com> 04/24/2009 05:47 PM To <[protected]@cibil.com>
cc
Subject my credit card return of status







Dear Sir,

I have been using an Icici credit card since november 2004
my credit card number is [protected]
i have recently applied for SBI housing loan and my loan has been rejected due to
my credit cards return of status given by you...

I have been paying my dues regularly and now my credit card shows regular paymnets.
Request you to revise the return of status on my credit card i[censored] require can provide u the icici bank statement for the same...

Regards,

Vinit Gadkari
________________________________________
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