[Resolved]  Abn Amro — account still exists even after closing on 9th June 08

Documented Goo[censored]p from ABN AMRO BANK


Hi

I had opened an Auto loan Overdraft account with ABN Amro Bank on 21st September 04, the account was active.

Bank had approached me in the month of January 08, saying that they are in the process of closing all the OD accounts, at that time I had an outstanding of Rs.1, 85, 000/-, and I expressed that I will not be able to close the account with one shot,

They came back to me in the month of March 08, seeking for settlement to close the account, with mutual exchange of mails from the bank and me, they offered me to pay Rs.1, 25, 000/- on closing the account as full and final settlement.

I received the mail from the bank on the same, post that I had paid the said amount of Rs.1, 25, 000/- in the month of April 08, and I received the letter dated 9th June 08 on the Bank’s Letter Head from the main branch on the closing and also the letter to RTO on cancellation of hypothecation.

I cancelled the hypothecation on my RC book giving the letter from the bank.

I had applied for a personnel loan from Kotak Mahindra, Barkley’s & ICICI in the month of October 08, and for my surprise all the three loan’s got rejected, which was not the case in the past 14 years of my working.

Then I call the above banks to know the reason for the rejection, they said it as CIBIL Reject, I in turn clarified with my friend who is in banking services about the rejection as I had no clue of any default from my end.

Then my friend gave me the printouts of the CIBIL statement, for my surprise it was the above account which is still active.

I personally went to the branch on 31st October 08, to get a clarification on the same they are yet to revert with their feedback, as they were also surprised.

Kindly advise if this can be taken up seriously, as it has been a major damaging incident for me.

I in fact have all the mails and the documents to prove this blunder.