Personal Loan Complaints & Reviews

Recently I had applied for cash credit limit which was not approved by PNB on a/c of some Personal Loan default showing in my name but I never applied for any personal loan from any bank up to till now. Interestingly Bankers name, account detail and other relevant details are not appearing in the CBIL report from which I could understand which bank has put my name in defaulter list.
Can any one guide me how to get the detail from CBIL so that the respective financial institution can contacted for clearance.

Regards
Ajit Singh Tanwar

Hello,

I have taken a loan of Rs.50000/- form HSBC bank at Chennai in February 2008.

My Loan Account Number is "[protected]".
I have already opted for an ECS facility for the deduction of the EMI.

Later I got married and had shifted to Pune. When the time of first EMI came the amount was not deducted from my account. One fine day one collection executive from HSBC has gone to my house in Chennai and threatened my parents. Later when I called the collection executive he gave me his reporting boss' mobile number. When I spoke to him he said sorry and also informed me that the ECS facility did not get activated due to some error.

Whose mistake was that?

Later he asked me to either pay the EMI in the bank in Pune or give it to the collection executive. I have never missed my EMI and have paid it when ever they came for it. In Sep 2008 I have paid the EMI in the Bank in Pune (as the executives always came towards the end of every month) and I even have the payment slip with me.

Again I got a letter to my Chennai address on Oct 13 2008 stating that my two months EMI was overdue (SEP and OCT) and that it will be informed to the Credit Bureau.

I had already asked the collection head (whom I used to contact for the payment), regarding the total amount to be paid for FORECLOSURE as I have paid seven months EMI. And he told me that 10% will be waived off and there will not be any Foreclosure charges as I have been paying
the EMI regularly.

He took nearly a month to confirm the amount and send the executive, when I asked whether I can pay in Pune branch he said it is not possible as it is Chennai account. I paid the total amount of Rs.35000/- specified by the collection head on 30th Oct, 08.

When I asked him about the outstanding letter which I received on 13th Oct, 08, he said it is a general letter and if I settle the whole amount my name will not be updated as a defaulter in CIBIL.

But today I received the "Settlement letter" which clearly says that I am a defaulter for the past two months and that because of my individual circumstances the bank has waived of certain amount and come for settlement. It even states that my name is updated in CIBIL as a
defaulter. I don't want to make any settlement. I am ready to pay whatever is Liable to me.

When spoke to the collection head regarding this he reacts very rudely. He has actually done a Settlement instead of Foreclosure. He has done it so that he can gain some name that he has recovered some money from a defaulter. He has used me.

I got the information from bank that the reason for settlement has been that I have met with an accident an am unemployed.All these are false statements. I have not signed any settlement letter then how can the settlement be initiated.

I have a doubt that even my signature has been forged.

Later I sent mail twice to the nodal officer in Chennai, but still I did not get a good response. And in November I went to Chennai personally, at that time they told that the remaining balance should be paid and then they can foreclose it. But the remaining balance was high due to the interest charges (for which they where responsible).

But still I agreed to pay. They asked me to contact the Pune HSBC (customer Service) person Mr. NITIN RAO. They asked me to meet him and collect the foreclosure letter and make the payment. When I went and met him,he says that my account has been sent for write off.

I got my cheques back. My name has been updated in CIBIL. Now every one says no one can do anything.

Pune people say I have to talk to Chennai and vice-versa.

People involved in this:
Aravind -
Collection Executive (Sits in Ekaduthangal)
([protected])
Bupesh Kumar-
Collection executive (Sits in Mylapore)
([protected])
Jayanthi -
Customer service executive (Sits in Mylapore)
[protected])

People contacted in Pune:
Rajat -
Collection Head (Sits in Bund Garden Road)
([protected])
Nitin Rao -
Customer service (Sits in Bund Garden Road)
([protected])

Questions need to be answered:

1) Am I responsible if the ECS facility is cancelled? How can the executive go and threaten my parents when the mistake is in your side?

2) Am I responsible if the loan amount paid is not updated in the banks
systems since Sep, 08?

3) Don't the bank people know how to handle customers!

4) How can the bank write anything in the letter? I am not in any poor position. I am well settled and no longer needed to continue the loan.






Things I need:

1) I need a letter from the bank stating that it was their mistake and it was nothing from my side.

2) I want a letter from CIBIL that my name is not in the defaulters list.

3) I need a letter that FORECLOSURE has been done, I don't need any settlement letter. (NO dues Letter)


I can name each and every culprit who is involved in it.

I have the bank slip and track record of all payments.



I have the following documents with me.

1) EMI payment receipt for August 2008.

2) EMI payment receipt for September 2008.

3) Total outstanding payment receipt.

4) Letter received from the bank dated 13 Oct 2008.


5) Letter received from the bank dated 24 Oct 2008.

6) Closure Letter


But I am helpless now. None of the bank people are taking responsibility.

They behave rudely. Kindly do help me.

Even contacted Nodal Officer but to no avail.

This is my final try. If I do not get a resolution for this, the last option for me would be to go to the Banking Ombudsman Scheme(RBI).


Thanks,
Vasantha

I had taken a PL for Rs 300000/- from SCB in Aug' 07 and have been paying EMI regularly through ECS since Sep' 07 till Jul' 09 (36EMI).bearing Loan A/c No 46911634.
Due to certain unforeseen circumstances funds were not available in the bank and the current month (Aug ' 09) ECS got returned. I received a collection call from Miss. Madhu, SCB-Delhi-Collection representative, from[protected] &[protected] on 25.08.09 for the due EMI.
I conveyed to him that I would be giving cheque / cash whichever is earlier as I am about to met the Payment but as due to our fasting going on and as well Ganpati Festival there is a very little moment in the market for business as market get close earlier. However, on this statement Miss. Madhu repeatedly urged on making payment immediately and didn’t even bother to understand the problem. This urge led to her for using slangs and abusive languages involving myself, in my absence with my family members & even with my office staff as well threaded of sending muscle men at my home & office to collect money.
The same lady again gave me repeated a call on 26.08.09 from morning 08:30am to 5:00pm on my mobile number & Residence landline number continuously. Again this Lady started the conversation with abusive languages including my caste & religion as all we are fraud and a use to it people to cheat & not to make payment of the Bank’s, all your committee & society are indulge in the same etc” and in my absence from Home for 15-20 times did the same treatment to my family member with my spouse, My Mummy who is a Senior Citizen & My children’s.
I would like to bring to the notice of the Bank that I am not a Road side Person with whom such people should be made to communicate. I am already having an A/c in the Mumbai, Fort, M.G.Road Branch, Since Last seven Years. But even though If on a Single EMI being late to make a Payment if bank enters into recovery process of letting a Lady to Talk with the whole Family like this. I would like to shut all my Loans, Credit Card & Bank A/c for the reason either that lady on behalf of the bank should commit sorry to my family members in writing.
As well request the bank in future to communicate, for any problem as regard my above mentioned loan no with me at my office or on my cell. As well I need the reply at the earliest from the Bank Side

Dear Sir,

My name is Edgar Binan and I have a salary account with HDFC Bank.
Recently I applied for a Personal Loan from HDFC Bank, Shillong, Meghalaya and all the nesecary documentation have been done by the 22nd of August 2009 and till this day the 5th of September 2009 I haven't recieve any word or progress of the loan or whther it is approved or not. The bank is keeping silent and its taking a long time for a simple loan.

Please Sir, kindly inform me with the progress of the loan and why is it taking very long.

The HDFC Bank's Policy is to approve loan within 72hrs or is that just a attempt to lure customers in?

Thank you

Edgar Binan

I am a pension account in your Dattawadi Pune Branch. I have taken Personal Loan and Education Loan against my pension account and deduction is from my Pension account. Up to March, 2009 my account is showing regualr but in May 2009 my whole pension was deducted and credited in my Loan account after approaching to SBI branch they told me that due to computer mistake this thing happens though it shows that some manual entries has been done by Bank and they allow me to withdraw the amount in June and July as in May it is excess credited in Loan account But in May month I was gone through economic tension. Now again in Aug pension my whole Pension is hold again and while approaching SBI manager is saying that you have to deposit 10000/- more to update the account means I will not get the pension for two months. I surprise that How they deduct my whole Pension amount when I suggest them to count the months and instalment deducted from my account is showing regular . Please study the case But Branch Manager told me that it is not possible to change the computer amount and you have to pay as our computer is showing. I am fully depend on my pension and if I dont get any amount in any one month How can I will survive? My SB account no is -[protected]

PL NO : 15927662
KARAN & PARTY HARASSED MY 87YR OLD MOTHER WITH DIRE CONSEQUENCES AND SHOUTED AT HER DURING MY ABSENCE AT HOME WHO IS A SEVERE BLOOD PRESSURE PATIENT & A WIDOW.THEY CAME AGAIN WHEN I REACHED HOME.KARAN's COLLEUGUE TALL, DARK, FAT & BALD MAN (RAGHU LEKHI...NOT SURE) AGAIN THREATENED ME WITH DIRE CONSEQUENCES...SEEING ME IN JAIL. SHOUTED AT THE TOP OF HIS VOICE IN FRONT OF MY HOUSE WITH HIS OTHER COMPANIONS WHEN I REQUESTED HIM TO SEE ME IN MY OFFICE; I"LL MAKE PAYMENT WITHIN A DAY OR TWO. HE COMMENTED THAT HE DOES NOT HAVE THE
MONEY FOR PETROL TO VISIT THERE (JUST 4KMS FROM HIS OFFICE). HE SAID HE WENT TO THE OFFICE WHEREAS I WAS THERE THROUGHOUT DURING THE DAY.IF SENDING ME TO JAIL CAN GET YOUR MONEY BACK THEN GO AHEAD, ...DO IT IMMEDIATELY. ONE PERSON IS ENOUGH ...WHY THEY COME IN TEAMS LIKE AND BEHAVE LIKE GOONS. WHY DON'T YOU EMPLOY CIVILISED PERSONS? IF COMPLAINT GOES TO OMBUDSMAN THEN? WHY WERE KARAN & PARTY BEHAVING LIKE UNCIVILSED PERSONS TO A 87 YR OLD WIDOW.SHE HAS NOT TAKEN THE LOAN. WHY HARASS HER????
Rajeev Prakash
Chandigarh.

Dear Sir,

It is with great regret, i would like to inform you that a personal loan of 1 lakh as wrong entry is reflected against my name in CIBIL. On further enquiry of the above with my bankers HDFC i was told that this is purely a wrong entry as it might have erranously entered in my name as against someone else who must have availed such a loan. This wrong entry has been creating enormous damage to my personal credibality with my bankers as well as with many other financial institutions with whom i have dealings on various accounts.

I would like to request you to look into this matter and ensure that the above wrong entry reflected in my name is eliminated urgently. For your kind information The details of the wrong entry are as below.

1. Name as reflects - Diljit Menon
2. Date of disbursement - 12- Oct -2006
3. Amount - 1 Lakh.
4. Account Type - Join PL account ( which is very unlikely according to even my bankers)

Let me once again emphasis that an immediate action is anticipated from your end as iam very badly suffereing due to this anomaly as the same acts as an hindrence to my financial dealings as stated above.

Thanks & Best Regards,
Diljith Menon

I want to know wether i can obtain CIBIL report of my name. I was rejected loan from HDFC and the reason was that my cibil report was negative. Can i obtain a report from CIBIL so that i can check why its negative coz according to me there is nothing against me.

DEAR SIR.

MY PERSONAL LOAN A/C NO 7251995 DT[protected] .
I RECEIVED SETTLEMENT LETTER ON[protected] FOR RS.15500/- AND SETTLED
FOLLOWING BASIS.
1.CASH PAID[protected][protected].00 RECEIPT NO [protected] DT 30/03/2007
2. PDC CHEQUENO[protected]-11916.00, , , , [protected] DT 30/04/2007
BUT NOW SHOWS IN SIBIL FOR RS.3584/= PLEASE CLEAR AND GIVE FULL
DETAILS.

REGARDS
R.GOPINATH

To
The Manager
CITI FINANCIAL CONSUMER
FINANCE INDIA LTD.
ASHRAY BUILDING,
161 B SPM,
KOLKATA - 700 026


Dear Sir

This is to inform you the following facts for your kind consideration.

That I Mr. Rathindra Kr. Das a Personal loan drawee (LOAN A/C. No.[protected] is informing you about a very important and serious matter. I have taken a personal loan from your aforesaid reputed financial institution and against which I am repaying back each and every month through ECS which is deducting automatically from my savings bank account (s/b a/c. no.[protected] in AXIS BANK - GARIA BRANCH. That I want to stop deduction of all the remaining ECSs from my this aforesaid Savings bank account with an immediate effect. As because I am facing certain kinds of inconvenience in service against my savings bank account from my BANK. Thatswhy I want to transfer my this existing BANK account service to another BANK to repay you all my remaining unpaid ECSs through monthly ECS process. So hope you would understand my problem and thus favour me in this matter through your full kind and co operation and thus considering this matter very seriously. So hope that from AUGUST 2009 onwards no ECS should be deducted from my given aforesaid savings bank account henceforth. As I am ready to pay the August 2009 installment amount in Cash or even through Cheque. Hope you will contact me regarding this matter on the phone number given below very soon and thus help me out immediately.



Address : Flat no. B3/1 ANIMIKHA HOUSING COMPLEX, NEW TOWN - RAJARHAT, KOLKATA - 700 156
CONTACT (MOBILE) : +[protected]

Thanking you
REGARDS
RATHINDRA KR. DAS
02 / 08 / 2009

I Mrs. Protima Roy, I had a personal loan on HSBC Bank . I settled my account as per u`r procidure. My loan account no .[protected] . U lounge a court case against me, case no. C/23165/2008 . When I settle my account this time the bank withdraw the court case. But my post dated cheques and my no objection certificate is not given to me.The regional manager Mr. Satendra Sharma settle my account, I contact him after this settlement he had no response me to return my due documents. however can u send my due documents ? Either I lounge a complaine Reserve Bank Ombudsman Department against HongKong and Shanghai Banking Corporation Limited.

I[censored] co-operate me then I thanksful to u, rather I doing complaine agaist u .

Thanking you.

Dear Sir,
My personal loan a/c no is[protected] in the name of Mahesh Sharma which was taken approx more tahn 2 yrs back. There were total 24 instalments to be paid for Rs 2750/= Since Apr 2009 i had stopped payment of ECS because as per me the instalments were over. I also tried to contact your offices at Chandigarh Delhi etc but in vain as no specific tele No or Address is ever given. Also None of your reps ever contacted. In between thi period I recd 2 3 calls from customer care who were requested to provide statement and details of loan and payment who never reverted. Also they did not disclose identity or address. Your SMS do not accept replies. I DO NOT KNOW WHERE I SHOULD CONTACT TO GET CLARIFICATION AND CLEARANCE OF DUES IF ANY.

Through this mail I request you kindly provide contact details at Chandigarh with tele no and address. My contact No is [protected] where i dont get anything else other than your reminder SMS. Also kindly provide the STATEMENT for me to do the needful.
HOPE this time I do get a reply.

Thanks and regards

Mahesh Sharma

I AM HITESH THAKKAR. I HAVE TWO WHEELER LOAN O[censored]R COMPANY. I AM PAID ALL EMI TIME TO TIME.THIS BEHAL[censored]R COMPANY PERSON CALLING ME FOR PERSONAL LOAN (CALLING NO[protected]).HE TELL FOR DOC. I HAVE REDAY ALL DOC. I AM AGREE FOR PERSONAL LOAN BUT NOBODY MEET ME.


HITESH THAKKAR
[protected]

From, Kezia d Richardson
No 17, ASA Nagar,
thirunagar,
Vellore, 632006
Tamilnadu - India

Dear Sir,

I borrowed presonnal loan from city financial and I hav been paying every months. Since my dad was hospitalised I was not able to pay for couple of months. I was working in Williams Matriculation School, Vellore, as a teacher. City financial people came to school and gave me hell a lot of trouble tp pay money, I told them not to come to school and disturb and asked them to come home and talk. But they would not listen, They kept coming to my school every often. Once when I was invigilating I had a visitior from city financial asking me to pay the money. My Principal had a bad impresson on me and thus I lost my job. Now I am without job. I find no way to look afater my self. How can I pay if I am not in job. I am looking for a job now. They call me everyday in the phone and ask me to pay the money, they threaten me everyday and say that they will take action. I have been asking them to give details or statement of my loan, but they would not give. They are not telling how many dues are left. they dont give any details but only harress me to pay the money. Yesterday one Mr. Venkatesh came home and abused me in bad words and said that I must some how pay the due or he will take action, He came inside the house and threatend me. I am have a handicapped sister and my sickly parents. I have no manpower. I am afraid that he will beat me or kill me. I paid one due on April but I did not get my cheque back for that month. Hence I request you to help me to slove the problem.

With reagrds
Kezia D Richardson.

I have recently applied for Housing loan from LIC HFL at Jaipur.
I have came to know the preivious data are either not up dated even the account was closed long back or one entry is not correct.
The data was genertaed with the control numer. 39.68.27.468.

I have my data which clarify the data genertated by CBIL.

1. Personal loan of Rs 19, 500 was closed on 7th Dec 2005 but in CBIL it is not yet updated/closed.

2. The system showing the another personal loan 80, 000 and 90, 000 start date is same ??
This loan was taken from SBI Udaipur which is entered wrong.
As per my records it is of only 90, 000 and as on today the oustanding balance is only 20, 000 only Please update.

I look forward you quick action on the same so that it can help me to clear my title as soon as possible.

My- Personal details are-

Pramod Kumar Tripathi
Permanent Address- 304, Divya Joty Appartments, New Bhopalpura, Udaipur 313001.
PAN No. AAYPT1080H.
Mob No. [protected] self. [protected] resi.


Thanks & regards
Pramod Tripathi
Area Business Manager
Personal Healthcare
Group Sanofi-Aventis
C-305, Vaishali Nagar
Jaipur, Rajasthan
Mob - [protected]

Dear Concern,


I had taken personal loan with ref. No. RNPF-3815 on name of Anish Fatiam / Joint Holder Yasir Ali your company approximate 1.5 years back but i have not recieved any repayment schedule and any details of my monthly installment. From some time back i was in financial trouble due to my job. Few installment gone bounce from last some months but i am trying to repay timely. However from last 02 Months i am not able to pay my installment timely i need some time for made continuity of my loan installment. Some time back collection executive ( Parveen Malik-M-[protected] ) is call-up on my number at first time i tell him as i am in some kind of financial trouble thats why i am not able to made that payments timely. I asked him for some time to repay my installmetn, he i agree on this. But today on 24-June-2009 a person names Ravinder who is from "Good Will Associates" call me and says very rudly and with neglency "you give me the money or not" . He says if you dont bear the money we will picked you from your residence. Is there this is the way of collectiion i will take lagal action against the employee. He is using very much abuse language to me when i am trying to conway him i already had a talk with Parveen he said if you are not paying your installment then " i beat you when i seen you any where ". As far as my life seafty is concern am going to launch a FIR regarding unseafty of my life and sending a legal notice regarding using abuse language by collection executive. I think this is not a way to collect the money from any customer. As i says i am also related to finance sector but i am some kind of financial trouble so that delay in submitting in installment.


Please look into this matter timely otherwise i am sending a legal notice to company and taken a action on it as per goverment law.

Thanks & Regards

Anish Fatima/ Yasir Ali
M-[protected], [protected]

Dear Sir,

I have couple of Loans & Credit cards that are running. Due to some of my peronal problems in the past i was not able to pay of my credit bills, how ever there were couple of loan EMI's that got bounced but i managed them to pay it off later and be on track in payment of loan.

Problem: Now i am in need of money so that i can pay off my Credit bills so that i do not have any problem in future. But the problem is when i applied for loan, my application got rejected due to my CBIL rating being very low. And i am now in a big mess and unable to understand how can i pay off my bills if i do not get a loan.

PLease help me and gove me some advice. I am literally crying from my heart. I have a family to look after them. PLease HELP me.

Loan No: LICHE[protected] Asset cost : 50, 000/- Tenure ( in month) - 36


Hello, Iam kasturi Actually I was not interested in any personal loan during Aug 06. But your person (Anna nagar branch) tele caller (Sudha) forced me to get a loan and promises me that rate of interest is 16% based on your salary A/c. which convinced me to get the loan from your porur branch. While getting the loan, i didnt know the rate of interest. I asked your executive & he told me that loan amount will be top up at the six month and the rate of interest will be reduced in due course. From the date of receiving the cheque, I didnt get any letter about the loan details. I have contacted your branch after six months to cancel loan (or) to reduce the rate of interest. They adviced to close the loan. but at present i dont have that much amount. anyway i am try to arrange the money as soon as possible.


As I did not pay EMI for 2 months continuously, your executives called me, when I informed them that I prefer to close the loan, different executives told me different amount. I was little bit confused even thought visiting your office directly.


In the meanwhile, one Mr. Baskar[protected] called & used bad words to me for non-payable of loan. This is not way to treat a customer. Please take necessary action as soon as possible and let me know how to closed the loan (without these person - interference). please do the need ful.

Email :2


Hello, Ref the above Loan No. I have loan from Your bank for an amount of Rs. 46, 829/- 2 month due is still there. I was unable to pay. Hence, I discussed with Mr. Ramesh from(kottur puram branch) reg. fore closure of this loan. He tole me that if I pay three month EMI in one Stretch, Your bank will issue fore closure letter. Hence I have paid on (26.09.07) Rs. 8118/- Mr. Ramesh directly when he visited my home and he assured that he would pay receipt along with fore closure letter. But I am yet to received both.

I would like to bring to your notice that I have already paid Rs. 18942/- and 8118/- total - 27060/- I have actually Recd the payment from the bank Rs.46, 829/-. Toward loan amount I can pay 19769/- + 5% = 20757/-Kindly ur concern person to collect the payment Please help me and i dont want cheat your Bank. i am available only this month in my house, next month i am shifting to Native place..kindly collect the payment. i have already settled full amount icici bank cust care keep on calling and asking the payment .
please do the need ful.
Thanking you
Kasturi.s
([protected])




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Hello Sir / Madam,

I took personal loan from Hdfc, Citi-finance, Cholamandlam & Barclays PLC Bank. Once upon time every month i was paid every bank's emi through by ECS. but now i am jobless so now i am unable to pay single emi but the recovery agents are harrsing me now you tell me what to do ??????
I am ready to pay the emi which i taken from them but they still don't give me the time & also harrising me.
I am rellay frusted.

What to do ???????????????

Dear Sir,

Myself & my husband had applied for a home loan recently.

We were shocked to hear from the Banks (Standard Chartered Bank, ICICI Bank, Reliance Finance, Barclays Bank & Citibank) that my names is listed in the Defaulter List of CIBIL.

We have paid all our emi's till date in cash in the concerned financial Institutions & Bank an drecvd receipt for the same.

We have never received any information from CIBIL asking for a confirmation if the name of a customer is listed in defaulter list whether is it correct?

I seek justice to get my name should removed from the defaulter list with an immediate effect.i am ready to give all the proof.

Please help me.

Looking forward to a suitable action at the earliest form your end.

Regards
Navneet Kaur

Sir,

I have taken a loan amounting Rs One lakh on August 2007 and having LOMP[protected] & Agrment no 9172146 . The monthly EMI amount is Rs 3819.00. During inquiry in HDFC office, Bhubnaeswar on dated 30.03.2009, The outstanding amount is 59120.00 . The Bhubaneswar
local office ( loan section ) near Ram mandir is unwilling to taken the outstanding amount .

hi, i took a P/L of 35000/- couple of years back and the EMI were regularly deducting from my savings account, since i have resigned to previous job, i got a new number and there was a gap of two months for my installments, but one one day i have given a change of mobile number request to the concerned authorities but no one called me and i used to out of station most of the days. One fine day one collection executive came to my residence and i paid him promptly the same time infact i had given my new visting card to him and asked to change my mobile number in your records. for almost 8-9 months he only collected the EMI from me, and this month when i called him directly to pay he told that he has left this job. On 21-03-09 one guy called me on my mobile from chennai and started shouting on me saythig that he was a police man and citi finacial people have given me a complaint regarding non payment of my march EMI and he was talking as if he is the commissioner of police, every time he was repeating the same words that " DO YOU KNOW WHOM YOU ARE TALKING TO " and loudly he was saying that he was police cop and his language was so rude, i was in a meeting so i could not pick his call he called a couple of days. He told that his name was " MALLIKARJUN " i told very politely to send any evecutive i will pay him right now, still he was threatenning me by asking me my address and phone numbers and when i insisted he said that he was calling from POLICE CONTROLL ROOM, this is the behaviour of that guy for only one month EMI of 6 days delay, i request the CITI FINANCIAL group to take stringent action this "MALLIKARJUN" who has become a self proclaimed police man in CITI FINANCIAL and the numbers from where i have called are [protected] / [protected] / [protected] / [protected] / [protected].


He was threatening me by saying should i come to hyderabad or what do you can do ? and with whom you are talking do you know that, are you trying to play with police.

i need an immediate apology from the same guy or else i have that conversation on phone recorded plz take action or i have to take help of electronic media and even police dept also for threatening me on phone and disturbing my job...

Hello Sir/Madam,

Iam your customer V.T Mynudeen. My account number is [protected]. I have been using my salary account from June 2006 but suddenly my ECS got bounced for the Personal loan which I have one for HDFC bank another for ICICI bank on my salary account which is unknowingly blocked without any reasons. I have not sent any written correspondence or a phone call stating that my salary account is going to be blocked, because my salary account was blocked my ECS for the bank HDFC and ICICI has been bounced back. I need an immediate explanation why without any info my account was blocked. Please get me to back with a phone call or a written response why this account was blocked else this is going to be escalated to the higher management. I have mentioned my account and other details. I request you to kindly update me with the appropriate details.

Mobile # - [protected]
Email ID - [protected]@yahoomail.com

a am rahul sable. i am a Personal loan borrower of icici bank ltd.and due to some finencial crises some cheques are bounced. so icici bank will update my details in CIBIL. now my all outstandig amount are cleared. and i have NOC LETTER from icici bank. but icici bank dont delet my Name & Details from CIBIL. please tell me. how to delet my information to CIBIL.

Thanks & Regards
Rahul Sable
Raipur.
[protected]

In Dec-2007, I have taken home loan from ING Vysya bank. The building was under construction, so full amount was disbursed in Feb, 2008 and my EMI started from March, 2008.

I had taken the option of life insurance too with the home loan. As per the early discussion with the bank the insurance amount i.e. 1000 rupees will be added in EMI, which was fine.

From the 1st EMI itself the amount of insurance was not deducting with EMI and I already complaint about the same in the bank. They have told me that from next month it will be deducted correctly but it was not happen. After 2 months the bank’s executive came to collets the due amount i.e. 2000 rupees and this is going on till date. They have not corrected the EMI figure, after 2-3 months their executive was coming to collect the due. I was not very serious about this issue.

Last month I applied for personal for some urgent commitment. It was pre-approved from ICICI, so I planned to go for it. I have submitted all documents and wait for their confirmation. No response came till 2 week so I called the bank to check the status. They have told me that they have stopped the funding in the area where I am living (what a foolish reason) and they refuse to give me the loan, which was pre-approved.

Then I applied in HDFC bank. They have verified all things and from last 1 month they are telling me that it is in progress (without any proper reason). Till that I was not sure about what is happening.

For safer side I applied in ING Vysya bank too, but when I called them after 3 days they have told me that the bank stopped to give the personal loan without any reason.. I was very socked to hear that. I was very clueless at this point.

Then I forward the document in ABN-Amro, and they have also refuse to give me the loan. Every time when the executives from all the banks were coming to collect the documents they were very confidence to give me the loan more than my requirement, but later when I checked the status from them they refused without any proper reason.

I was still not clear what is going on with me. Then I tried with a private bank (I am not disclosing the name here). I told them the entire story. They have checked all my documents and it was clear. Then they have checked the status online in their common databases and told me that I have some dues and because of that I am in defaulter list. I shocked to hear that. It was the same which I mentioned above regarding the insurance EMI which was the problem because of the bank process.

I thanked that bank which gave me the actual reason.

This is the question about the reputation of a consumer. Because of the bank carelessness, I faced this problem and a kind of mental torture.

Many help for your help and suggestions to come out with this situation.

Shailesh Mewada

Dear Sir,
Loan acount No. 10896301
asper your letter no.20080726j[protected] dated 26 july 2008 you have mentioned the payment schedule in the following manner
Rs.5000.00 on 31 july 2008.
Rs.5000.00 on 31 august 2008.
Rs.4300.00 on 30 september 2008
I have made the payments as per your schedule but i am soory to say that my loan acount is still open .so please do close it because your ecs is also countinuing due to which i have to pay Rs. 200.00 as penlty from my account wchich is rnuing my godwill in bank. All this is your fault for which i am suuffering if it is not closed immediately than i am going to sue you in consumer court.
waiting for your reply
Nitin saxena
ph.no. [protected]

i had worked with hbl global pvt ltd for more than 08 month. now i am asking for my p.f account no. or pf form & releaving letter.
but they are not responding me.
my code was P09597.
kindly consider it.
thanks
this is my new adress
96-B Nyaya Khand 1st indirapuram ghaziabad
pradeep kumar singh
91 [protected]

THIS IS TO SUBMIT HUMBLY THAT MY PER.LOAN.AC. NO.XSEGNGP[protected] WAS SETTLED IN FULL BY PAYING A BALANCE TRANSFER CHEQUE AND CASH ON[protected], HENCE THE EMI. FOR DEC.`2008 WAS NOT SUPPOSED TO BE ASKED. BUT, IT HAS BEEN PRESENTED FOR COLLECTION AND HAVING GOOD CONDUCT WE HAVE PASSED IT. NOW THE SUBJECT IS IN CONTEXT OF REFUND FOR THE SAME, WITH AN IMMEDIATE EFFECT.DO OBLIDGE WITH AN INATIATIVE.

Ref: PERSONAL LOAN ACCOUNT NO-LPABD[protected]

Dear Sir,

I applied for the Personal Loan of one lac in the month of December 2006 from the ICICI Bank – Sakar Building, Ahmedabad & on 1st of January 2007 I received a Cheque for the same which was carrying my name but a wrong Savings Account Number of the Bank. I return back the cheque to the Bank. I was been told that since my document file is been send to Mumbai Head office Once again we will do correction & then you will get a fresh cheque.

Latter as on 12th Jan 2007 I received a fresh cheque from the bank but the EMI with electronic system was submitted on the wrong savings account number ( of the previous Cheq which I gave back to the Bank )due to ICICI Banks mistake, as the proper needed correction in file must have not done properly & due to this for 5 months no EMI was been debited in my account.

As a service class person I requested Banks Representative Mr Prakash Mudliar to take this due amount in Installments with my written consent & one fine day as on dated 24th August 2007 all of sudden the amount of Rs 10, 254/- was been debited in my account due to which my housing loan EMI was bounced.

Once again last month October 2008 same was been repeated for the amount of 3418=00

On approaching again & again ICICI Bank, Sakar, Nehru bridge, A’bad. Office no proper response is found. While if same thing is repeated again & again & if ICICI bank is misusing the ECS/Cheq facility I have no other GO but to launch my Complaint in CERC.

Though it is ICICI banks fault I never deny to pay my dues as I have borrowed the money from the bank but this is not the way to misuse the ECS/Cheq facility & spoil the customers credential.

I have forwarded this letter to CERC SANKOOL- Theltej A’bad & would warn you that if now onwards the same procedure is repeated again without my written consent, than I will launch the complaint in CERC as well as take this matter to the Editor Preeti Shah of “Insight Magazines” of CERC which covers all the injustice towards the consumers as well as put a claim against ICICI bank for spoiling my record.
While this type of misuse of ECS/Cheq can further also impact my balance of EMI’s which has to be further paid for which ICICI bank will be solely responsible.

Thanks & Regards
Sanjay Bhatt
Mob: [protected]

HI,


my name is rama devi, and contact no is: [protected].

I want the contact no.s of personal lone department. Can you please help me regarding this.


Thanks & Regards
Rama