Kotak Mahindra Bank — incorrect loan account from kotak mahindra reflecting in my cibil

Mohd Kaleem Pasha

Address:

Hyderabad, Telangana

Hi cibil team
I have not taken any consumer loan/personal loan from kotak mahindra bank, but it is still showing in my credit score as negative account dated 2007, i tried contacting kotak mahindra bank [protected]@kotak.com but there are not responding to my emails

Please find the below email from creditmantri.

Consumer/loan account#: bf3c084703
Pan: aozpp4812q

Please check and verify in you loan data system, if it is showing then there is fraud done, i have only taken personal loan only from icici bank in my life that too i have cleared.

So i kindly request to please remove this incorrect loan added to my cibil score

Awaiting your response.

Regards,
Mohammed kaleem pasha
[protected]@gmail.com
[protected]
=
From: creditmantri
Date: tue, jul 23, 2019 at 8:21 am
Subject: credit resolution - creditmantri: kotak mahindra bank ltd. Payment procedure - reference # 40278088
To:
Cc:

Dear mr/ms. Md kaleem pasha,

Greetings from creditmantri. Based on our recent conversation regarding your credit resolution and score improvement plan, we would like to inform you that you are just one step away from clearing your dues.

Based on your request, we had contacted the lender to confirm the payment option and have received a revert from the lender as displayed below.

Customer name md kaleem pasha
Lender name kotak mahindra bank ltd.
Account type writtenoff
Account number bf3c084703
Use this alternate a/c number (If available) nil
O/s amount (Rs.) 104, 686.80

We strongly suggest you to immediately clear your dues and start improving your credit score to become credit healthy. Clear past dues in the respective credit bureau report and update the status of your account as closed/null.

Please find below payment procedure details:
• you can make the payment using the link provided below to make the payment :
https://payments.billdesk.com/MercOnline/kotakemi/kotakEMITermsAndConditions.jsp?type=retail

Note: upon successful payment, capture the screen shot of the payment acknowledgement with the transaction reference number.

+1 photos

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Kotak Mahindra Bank customer support has been notified about the posted complaint.

Jul 27, 2019

Updated by Mohd Kaleem Pasha Hi cibil team

Please find the below email from Kotak Mahindra

I have just taken a HP Laptop for Rs 20, 000 from Bajaj Finance in year 2007,
and after so many years how can i pay Rs 2, 32, 285,

Why Should I pay Rs 2, 32, 285.
With Bajaj Finance what I agreed for HP Laptop after calculation of total EMI which was total Rs 25, 000
after I purchased the laptop, My brother took that laptop with him and went overseas on a workpermit.
I payed only 3 EMI as I was not using the Laptop,

I can pay only the above mentioned amount Rs 25, 000 in EMI

Awaiting for your reply.

Regards,
Kaleem
[protected]

On Fri, Jul 26, 2019 at 3:30 AM <rard.[protected]@kotak.com> wrote:
SR#:1-[protected] - MD KALEEM PASHA - BF3C084703 –[protected]

Dear Madam/Sir,

This has reference to your complaint dated 24 July 2019 regarding to your concerns raised.

We wish to inform you that the captioned loan account #[protected] along with the right/title/security interest and financial documents have been transferred/sold/assigned by Bajaj Finance Limited to us, vide Deed of Assignment dated 14-Jan-2016. By virtue thereof we have become the absolute owners of the said debt and account and are entitled to recover the outstanding dues/initiate legal proceedings/any other steps for the recovery thereof. The fact of assignment has been already been intimated to you by our Assignor at your last known addresses available with them. It follows therefore that your liability to pay the outstanding dues in respect of the captioned loan is now payable to us instead of Bajaj Finance Limited. Accordingly the CIBIL records are showing our name against your liability in the said loan.

As per records which were provided by Bajaj Finance Limited during the transfer of the said account, there were a total outstanding dues of Rs. 232285 payable by you as on the date of assignment and we have acted as per the records forwarded to us by our Assignor.

With regards to your concerns pertaining to account ownership dispute, we request you to share your Know Your Customer (KYC) documents (i.e. PAN Card and Voter ID Card/Driving License) to verify the credentials of your contentions in the mail.

For any queries or further assistance, we would request you to get in touch with the representative Mr. Chinnathirupal Reddy K at [protected] who would be glad to assist.

Please feel free to contact us on[protected] between 10:00 AM & 6:00 PM from Monday to Friday or to write at rard.[protected]@kotak.com for any further assistance / clarification that you may require in this regard.

Assuring you of our best services at all times.

Yours Sincerely,

Customer Service Team

Kotak Mahindra Bank Limited