[Resolved]  CIBIL — Serious complaint against cibil and save our nation to become slave

Sub: serious complaint for cibil and bank's‏
From: manubhai mehta ([protected]@hotmail.com)
Sent: 07 march 2009 15:18pm
To: [protected]@gmail.com; [protected]@gmail.com; ashvin.N.[protected]@ril.com; [protected]@gmail.com; [protected]@yahoo.Co.In; [protected]@thinkpeople.In; sandeep.Y.[protected]@accenture.com; [protected]@cura.In; [protected]@gmail.com; [protected]@gmail.com; [protected]@gmail.com; p som ([protected]@lntecc.com); [protected]@hotmail.com; r.[protected]@cro4india.Org; [protected]@gmail.com; vidya iyer ([protected]@rediffmail.com); [protected]@moneycontrol.com


I am fighting with cibil. And i assure all of you that we will win, because of our judicial system may it will take some time but dont give up we all have to fight to get justice and our fundamental rights as an indian. Pleasee give your support to me to fight with them .This is the latest corrospondence i had with all higher authority of india like president of india, financeminister of india prime minister of india, deputy governour of rbi, supreme court of india and also i wrote this to [protected]@moneycontrol.com i.E eletronic media, and further i want your suggestions that now i want to take up this mater with electronic media and flash this matter to all our india, for that i want your support so please confirm this as soon as possible.

[protected][protected][protected][protected]
From: [protected]@hotmail.com
To: [protected]@iba.Org.In; [protected]@rbi.Org.In; [protected]@finance.Nic.In; [protected]@rb.Nic.In; [protected]@moneycontrol.com; [protected]@consumergrievance.com; [protected]@rbi.Org.In; [protected]@cibil.com; [protected]@sansad.Nic.In; [protected]@nic.In; [protected]@rbi.Org.In
Cc: [protected]@yahoo.Co.In; [protected]@gmail.com; [protected]@aihra.Org; [protected]@hotmail.com; [protected]@yahoo.com
Subject: serious complaint for cibil and bank's
Date: sat, 7 mar 2009 14:16:09 +0530



Dear sir,


All banks provide credit information to cibil without any strict proof like any judicial court order decree for recovery of their dues any borrower is not defaulter debtor unless and until ther is any authentic judicial court order because of cibil many eligeble persons do not get bank loan only small borrowers are victims of cibil it is injustice to small borrowers on other hand all banks prepare their balance sheets to show rosy picture by showing false figures of assets like receivable amounts actually that is not all receivable a day will come on that a big scandle of many banks will come out like satyam computor and many bank will have to go for insolvancy it must be stopped with immediate effects to save our nation all banks should not provide any credit information to cibil without any strict proof in the interest of natural justice prompt and rapid action be taken cibil is illegal company as any company carring on a bussiness of credit information has to obtain a certificate of registration from rbi before commencement of bussiness.

It is mandatory under circa(Credit information regulating company act) we have recived a letter from rbi singed by v.S .Das (Executive director and cpio)stating that cibil has not obtain certificate of registration from the rbi till the day of the letter that means cibil is illegal company.Even though sevaral complaint to rbi for cibil till today no action has been taken. Why?

It's seems that cibil is working in colluation with rbi, ministry of finance, and all india bank association . To best of knowledge and belif it's seems that again we are repating the action of our fore father to go for slavery of other nation as in the past east india company acted. It should be stopped with immidiate effect to save the nation and for the fast growth of our young energetic youth in the intrest of natural justice.



Thanking you,

Your's faithfully



Manubhai v mehta (Seniour citizen)

Jt. Secretary of all maharashtra human rights (Borivli unit)

Regd.No.Mah/697/07/thane

Cibil is illegal under 17. Act name : the credit information companies (Regulation) act, 2005
17. Act name : the credit information companies (Regulation) act, 2005
Act title : no. 30 of 2005

Enactment date : [23rd june 2005.]


4. Section(Chapter ii)
Registration of credit information companies

5. Section(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-save as otherwise provided in this act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the reserve bank under this act.
[protected][protected][protected][protected]


Neither you deny nor you agree with my above points it is universal truth that silence is signal of affirmative.
I did intimated you that not a single bank/credit institution have even filled any case of recovery in any judicial court and have not got any judicial court order
Against me and my family members. Even though our names are in your negative credit information report.


Dear sir,
I acknowledge your mail dt.22/09/2008.I am failed to understand that why do you kick me like football. On one hand you say that your members supply data of credit information to you and you circulate to your other members, so that you are well aware that who have created and supplied data of credit information and even though you ask me to approach your member or to approach who have denied for credit and to get 9 digit code from them and if they do not provide me then i should mail you name of such institute/bank with name of officer, branch and telephone number etc. Is it not reverse exercise? Though you are having full knowledge of your such member?
It seems that you are intentionally avoid to reply my following points:
(1) your commencement and carrying on your business in republic india is illegal. It is violation of bank act and cicra 2005.
(2) you are circulating credit information to your other members without verifying strict proof of any judicial court order. In republic india every citizen has right to get justice, given by constitution of republic india without any strict proof, only by saying one sided, it does not become truth or facts. Thus it is injustice to victim of your business, i.E. You are taking away fundamental right of indian citizen. Therefore your business is unconstitutional. It is violation of constitution of republic india.
(3) as a result of your illegal business a young energetic with high ambition indian citizen’s life becomes ruined, he constrained to go for suicide. Thus knowingly or unknowingly, you are part of worst result of your illegal business. It is an offence under indian penal code section 304, 307 and 120(B).
(4) by your illegal business a young energetic indian citizen is being defame. It is violation defamation act 1860, under section as below:


1. Act name : the indian penal code, 1860
Act title : act no. 45 of 1860 1*

Enactment date : [6th october, 1860.]




36. Section(34.)
Acts done by several persons in furtherance of common intention.

. 1*[34. Acts done by several persons in furtherance of common intention.--when a criminal act is done by several persons in furtherance of the common intention of all, each of such persons is liable for that act in the same manner as if it were done by him alone.]



38. Section(36.)
Effect caused partly by act and partly by omission.

36. Effect caused partly by act and partly by omission. Wherever the causing of a certain effect, or an attempt to cause that effect, by an act or by an omission, is an offence, it is to be understood that the causing of that effect partly by an act and partly by an omission is the same offence. Illustration a intentionally causes z's death, partly by illegally omitting to give z food, and party by beating z. A has committed murder

26. Section(24.)
"dishonestly

24. "dishonestly".--whoever does anything with the intention of causing wrongful gain to one person or wrongful loss to another person, is said to do that thing "dishonestly".

46. Section(44.)
"injury".
44. "injury".--the word "injury" denotes any harm what ever illegally
Caused to any person, in body, mind, reputation or property.


17. Act name : the credit information companies (Regulation) act, 2005
Act title : no. 30 of 2005

Enactment date : [23rd june 2005.]


4. Section(Chapter ii)
Registration of credit information companies

5. Section(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-save as otherwise provided in this act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the reserve bank under this act.


Neither you deny nor you agree with my above points it is universal truth that silence is signal of affirmative.
I did intimated you that not a single bank/credit institution have even filled any case of recovery in any judicial court and have not got any judicial court order
Against me and my family members. Even though our names are in your negative credit information report.
I hereby inform you finally to delete our names with immediate effect under advise to me with in 3(Three) days, to avoid legal prosecution, failure to which i shall be constrained to initiate legal action which please be noted.
Thanking you,
Yours faithfully,
Manubhai v mehta.(Senior citizen)

C.C.To: her highness president of india (With request to get me justice)
Hon’ble prime minister.
Hon’ble law and justice minister.
Hon’ble finance minister
My lord chief justice of supreme court of india
(With request to consider - this letter as pil)