[Resolved]  State Bank of India — Bouncing of cheque and enlisting in CIBIL defaulter list

Address:

Jorhat, Assam

I paid an instalement of housing loan to HDFC Ltd.vide CHEQUE NO. 713528 DATED 14/07/2008 for Rs 25851.The said cheque was presented to the clearing on 17.07.2008 to SBI, Chenikuthi branch, Guwahati. But the bank branch returned the cheque to HDFC stating that there was insufficient fund in my account. However, I immediately checked my account and found the there was enough money in the account to honour the cheque. I enquired from the bank and they informed that I had made a minor error in writing the account number in the cheque and therefore they opened an account of a different account holder which showed an insufficient fund and therefore they returned my cheque . This led to entry of my name in the CIBIL defaulter list for which I am getting a lot of harassment in getting credit card, loans etc.Besides, it is the responsibilty of the bank to print/stamp the account number in the cheque, not by the customer. The AGM,SBI, CCPC, Guwahati has already written to CIBIL informing about their mistake and requesting the CIBIL to withdraw my name from the defaulter list. However, CIBIL has not yet responded as per the information given to me by the AGM,SBI, CCPC, Guwahati. I do not know how my grievance will be redressed now.
J. Deka
AAU, Jorhat, Assam