[Resolved]  Standard Chartered Bank — credit card delayed reporting with malafide intentions

Address:

Mumbai City, Maharashtra

This is to inform you that few days back I was badly in need of money & I approached my bank for a PL of 1Lac. The loan was denied due to my high unpaid outstanding in a credit card of the said bank (account number [protected])since 27.12.2003 which suddenly started reflecting in my CIBIL on 30.06.2013, now written off, which I am not aware of. I wanted to understand following things from them: *** The said amount is due against which purchase. *** Why this was not brought to my notice in last 10 years? even though I receive frequent calls, mailers from SCB for different products. These mailers prove that I was always traceable. If you wish I can forward such mails. *** Usually when the outstanding is 90+ it starts reflecting in CIBIL and the immediate remedial action can be taken. But the bank waited for 10 years to complete the activity? This action has disturbed my personal life totally as I could not get the PL. Even recently HDFC banked denied credit card to me despite having a solid payment track for my loans as well as Credit Card in last 10 years. I want CIBIL reporting to be removed immediately, even I am ready to pay principal outstanding if any, but definitely not the interest and charges as I was never communicated on the same.