[Resolved]  State Bank of India — PERSONAL LOAN CHEQUE BOUNCING

Address:

Gurgaon, Haryana

DEAR SIR,
i have purchase a personal loan from HDFC BANK / PL NO[protected] IN APRIL 2011. AFTER A MONTH HDFC BANK INFORMED ME FOR BOUNCING MY CHEQUE. AFTER THAT I HAVE PAID THROUGH CASH. AND I SUBMITTED A MANDET FORM TO SBI. AFTER THAT THE BOUNCING PROCESS CONTUNIED FOR SEVERAL MONTH.AND THEY WERE TOLD ME THAT THE PROBLEM IS AT HDFC BANK END.

AFTER A MONTH LATER THE SBI BRANCH ASST. MGR (TO WHOM I HAVE SUBMITTED MY MANDET) CHECKING A OPTION IN THE COMPUTER AND IN THE NEXT MONTH MINE EMI STARTED THROUGH AUTO TRANSFERRED.
DURING THESE PERIODS MINE SALARY ACCOUNT HAVING SUFFICIENT FUND.AND I HAVE COMPLETED ALL THE DOCUMENTS PROCESS DURING PURCHASING LOAN.
NOW HDFC BANK ASKED ME FOR LATE FINE/ ALSO MY CIBIL IMPACT DUE TO BOUNCING, I AM NOT ELIGABLE TO PURCHASE A LOAN.

SUGGEST ME, AM I DEFAULTER OR SBI / HDFC.

HELP ME IN THIS REGARDS TO IMPROVE CIBIL SCORE AS WELL AS EXCEMPTION FROM LATE PAYMNET FINE.

REGARDS,
NALIN KUMAR
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