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

Yes, CIBIL is doing too much. CIBIL having nice relationship with all banks and whatever Bank says they are just following. So CIBIL is just stupid company who they are working with all banks to spoil the people. One day most of the bank will be shut down due to this kind of actions... Lets wait for that day to laugh!!!

BARCLAYS/GOLD CREDIT CARD — LATE FEES

Late fees
Dear Barclays card,
I have your gold credit card with me.
I can not give card no in this mail.
Ok, now if i drop cheque at your drop boxes, you are getting it late.
But is it my problem that cheque you are getting late beacuse of your own limitations? or system?
when called to your customer care center, i have found below diffculties on your cust.omer care number
SOMETIMES YOUR SYSTEM ARE NOT WORKING SO EXECUTIVE TOLD ME TO CALL AGAIN.I HAD CALLED YOUR CUSTOMER CARE THRICE AND REPLY IS SAME THAT SOMEONE FROM CONCERN DEPARTMENT WILL CALL ME MY FIRST CALL WAS ON 5TH SEP AS MY DUE DATE IS ON 22ND SEP AND I THOUGHT I HAD GIVEN ENOUGH TIME TO RESOLVE BUT TILL DATE NO CALL KNOW TODAY IS 20TH AND ON 22ND I AM SURE YOU WILL CHARGE ME AGAIN FOR THIS

I am really annoyed by such poor support from you. when you want to emerge here In india.
Firstly I was thinking that you are the one who is very good in service but when needed and called I felt some different reality.
I need some urgent response on this as my billing date is very nearby 22nd.
what should I do ?

Regards,

Ritesh Wadhawan

CIBIL — 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)

CIBIL — 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]

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)

have received information from the bank regarding defaulting in credit cards of icici Bank and my name is listed in the Defaulter List of CIBIL.

icici BANK have provided wrong information to the CIBIL. I have paid all the dues of icici Bank

But icici Bank has not send the data to CIBIL. MY credit card has declined because of the wrong information given by the bank to CIBIL.

I seek justice to get my names removed from the defaulter list with an immediate effect. I am ready to give all the proof and settlement letters issued by the concerned credit cards provider.

Please help to remive my name from civil.

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

Regards
Dr. umesh saxena
f-202, shyam nagar ext. ram path sodala jaipur
[protected], [protected], [protected]
office
kautilya institute of tech. & engg.
[protected], 2770364

CIBIL — harresment from cibil,contact me i will help u to get out from cibil

i[censored] r facing a problem to get loans because of cibil please contact me, i will help u to get out from cibil list.
my email id is :[protected]@hotmail.com
my phone no is [protected]/[protected]/[protected]

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]

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)

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)

i want to withdraw the name in defaulter list of cibil or satyam on line list, i all ready settled the dues of rs. 13000/- against rs. 10000/- help me & what to do? this matter was happened in year of 2004

dear sir
we were agent of reliance comm. ccb (pco) for savarkundla taluka
amreli district. we have already left our agency for last 15 months.
we have give rs. 60000 as a deposit but company is not refunding it.
plz help us.

Barclays Credit Card — CIBIL record negative due to undue Late Fees

Sir / Madame,
This is regarding my Barclay's Card no [protected] statement dated 01/03/2008, the payment due date was 22/03/2008, in which I was charged late payment due the Barclays agency BSA logistics Private limited because the collection person had come after the due date (i.e. 22 march (Saturday) 2008 ).The Sum amount due was 32000/- and had requested the bank to send the collection person to collect the cheque week before the due date, Ramendra (collection agent) turned up on 24-march-2008 (Monday) to collect the cheque.
But from the next month I was charged with Late payment fees, when contacted the help line no. of Barclays advisers said the payment will be reversed. but nothing happened instead the my late payment kept on increasing month on month. I had to do regular follow ups with the manager and they promised that will do the reversal but nothing happened.
Now when I have applied for a Personal loan my CIBIL record shows negative.Please advise me what should I do?
I have also attached the payment respite for your records.

Thanks and regards

Hemant

Dear Sir,
I will help you for your matter, I will provide you all information regarding law as well as our fundamental rights, we have to fight to get our fundamental rights and naturle justice .it will take some time to win this battle but dont loss your hopes, and for your case today evening i will give you guideline, for how to fight. but you have to fight for your self. you dont have to spend a single rupee for that just give your time to fight for your self.

all the best,
Thanking you.
your's faith fully

MANUBHAI V MEHT(Senior Citizen)

Jt. Secretary of All Maharashtra Human Rights (Borivli unit)

REGD.NO.MAH/697/07/Thane


[protected][protected][protected][protected]---

"I VOTE NOBODY...as per the 1969 act, in section "49-O"

Dear All,

Did you know that there is a system in our constitution, as per
the 1969 act, in section "49-O" that a person can go to the
polling booth, confirm his identity, get his finger marked and
convey the presiding election officer that he doesn't want to vote
anyone!

Yes such a feature is available, but obviously these seemingly
notorious leaders have never disclosed it.
This is called "49-O". Why should you go and say "I VOTE
NOBODY"... because, in a ward, if a candidate wins, say by 123
votes, and that Particular ward has received "49-O" votes more
than 123, then that polling will be cancelled and will have to be
re-polled. Not only that, but the candidature of the contestants
will be removed and they cannot contest the re-polling, since
people had already expressed their decision on them. This would
bring fear into parties and hence look for genuine candidates for
their parties for election. This would change the way; of our
whole political system... it is seemingly surprising why the
election commission has not revealed such a feature to the public...

Please spread this news to as many as you know...

Seems to be a wonderful weapon against corrupt parties in India ...
show your power, expressing your desire not to Vote for anybody, is even more powerful than voting... so don't miss your chance.










This chain mail (one version is at the foot of this message) has been doing
the rounds for some time now, but is based on a complete misunderstanding of
the statutory provisions.


Neither the Consitution of India nor the Representation of the People Act,
1950 contain any provision to suggest that failure or refusal to vote can
have any bearing on the outcome of an election at which other people have
duly voted for the candidate of their choice. The provision in question,
"49-O", is actually a mere Rule which has been enacted in order to deal with
a peculiarity of the electronic voting system which India pioneered.


"The Conduct of Election Rules, 1961" have been framed under the
Representation of the People Act, 1961, and make detailed provisions for
everything from filing of nomination papers to casting of votes, counting of
votes, and the like. Separate provisions are made for direct elections such
as to Parliament and State Assemblies, and for indirect voting such as in
electoral colleges. Part IV of the Rules covers "Voting in Parliamentary
and Assembly Constituencies", while Part V covers "Counting of Votes in
Parliamentary and Assembly Constituencies". Part IV has two Chapters, with
Chapter I (Rules 28 to 48) applying to "Voting by Ballot", and Chapter II
(Rules 49-A to 49-X), which was added in 1992 to deal with the new
phenomenon of electronic voting, applying to "Voting by Electronic Voting
Machines".

Rule 49-O, which is part of Chapter II, has been introduced in order to
account for all electors who have attended and signed into the polling
station. In the case of voting by ballot, the actual number of ballot
papers issued are required to be tallied with the votes cast in order to
avoid any malpractice, and this account includes ballot papers which have
been properly marked, ballot papers which have been accidentally
torn/defaced, ballot papers which are seized from electors who refuse or
fail to put them into the ballot boxes, and so on. Since ballot papers are
physically verifiable and can be counted (whether from the ballot boxes or
from sealed envelopes containing defaced/torn/misused ballot papers), there
was no need prior to 1992 to have any special Rule to obtain the signature
of an elector who attended the polling process but refused or failed to cast
her/his vote.


However, when voting is done by electronic voting machines, there is no
physical manifestation of the vote. Hence, all accounting has to be done by
verification of the registers which are signed by the electors before going
behind the screen and punching a button on the voting machine. There being
no such thing as a blank or defaced or torn ballot, it became necessary to
provide that if an elector, after coming to the polling station and signing
in, refuses or declines to cast her/his vote, then a remark has to be made
in the register and the signature/thumb impression of the elector has to be
obtained against such remark. This remark/entry is then relied upon while
counting votes under Rule 66-A, which is a special Rule for counting of
votes cast in electronic voting machines, since the machine only records the
votes actually cast, and has no means of knowing how many people signed in
but failed/refused to cast their votes.


Rule 66-A read with Form 17-C make it clear that the purpose of Rule 49-O is
only to ensure that electors who fail to vote ater signing into the pollking
station have done so of their own accord and not due to any force or
coercion. Form 17-A is the form in which the polling booth register is to
be maintained, which is signed by all electors when they enter the polling
booth and are identified against the list of valid voters at that booth.
Form 17-C records the final count of votes as per Rule 66-A, and this has to
be signed by the election agents of all the candidates as it reflects the
final result of the tally. Column 6 of Form 17-C requires that the number of
electors who actually cast their votes as per the voting machine, be added
to the number of those who declined/refused to vote, i.e. those in respect
of whom a remark is entered against their names in the voting register (Form
17-A) under Rule 49-O, and that the total of these two figures should tally
with the total who signed the voter's register. In case of any discrepancy
in this total, the polling agents have to explain the discrepancy in Form
17-C. This is nothing but an accounting procedure devised in order to
ensure that there is neither any bogus voting, nor any force used to prevent
valid electors from casting their votes.


Importantly, there is nothing whatsoever in the Act or Rules to suggest that
if electors either individually or collectively decline to cast their votes
and get this fact recorded under Rule 49-O, then this would have any effect
whatsoever on the election. Elections are won (or lost) on the basis of
votes cast in favour of different candidates, and not on abstentions.
The Greek definition of "" remains as valid as ever, and Rule 49-O has
done nothing to elevate a person who refuses to vote out of that category.


Cheers.

Dear Sir,
I will help you for cibil matter, I will provide you all information regarding law as well as our fundamental rights, we have to fight with cibil to get our fundamental rights and naturle justice .it will take some time to win this battle but dont loss your hopes, and for your case today evening i will give you guideline, for how to fight with cibil and i m sure after that your name is surly deleted from cibil list. but you have to fight for your self. you dont have to spend a single rupee for that just give your time to fight for your self.

all the best,
Thanking you.
your's faith fully

MANUBHAI V MEHT(Senior Citizen)

Jt. Secretary of All Maharashtra Human Rights (Borivli unit)

REGD.NO.MAH/697/07/Thane

my email id is [protected]@hotmail.com
[protected][protected][protected][protected]---

"I VOTE NOBODY...as per the 1969 act, in section "49-O"

Dear All,

Did you know that there is a system in our constitution, as per
the 1969 act, in section "49-O" that a person can go to the
polling booth, confirm his identity, get his finger marked and
convey the presiding election officer that he doesn't want to vote
anyone!

Yes such a feature is available, but obviously these seemingly
notorious leaders have never disclosed it.
This is called "49-O". Why should you go and say "I VOTE
NOBODY"... because, in a ward, if a candidate wins, say by 123
votes, and that Particular ward has received "49-O" votes more
than 123, then that polling will be cancelled and will have to be
re-polled. Not only that, but the candidature of the contestants
will be removed and they cannot contest the re-polling, since
people had already expressed their decision on them. This would
bring fear into parties and hence look for genuine candidates for
their parties for election. This would change the way; of our
whole political system... it is seemingly surprising why the
election commission has not revealed such a feature to the public...

Please spread this news to as many as you know...

Seems to be a wonderful weapon against corrupt parties in India ...
show your power, expressing your desire not to Vote for anybody, is even more powerful than voting... so don't miss your chance.










This chain mail (one version is at the foot of this message) has been doing
the rounds for some time now, but is based on a complete misunderstanding of
the statutory provisions.


Neither the Consitution of India nor the Representation of the People Act,
1950 contain any provision to suggest that failure or refusal to vote can
have any bearing on the outcome of an election at which other people have
duly voted for the candidate of their choice. The provision in question,
"49-O", is actually a mere Rule which has been enacted in order to deal with
a peculiarity of the electronic voting system which India pioneered.


"The Conduct of Election Rules, 1961" have been framed under the
Representation of the People Act, 1961, and make detailed provisions for
everything from filing of nomination papers to casting of votes, counting of
votes, and the like. Separate provisions are made for direct elections such
as to Parliament and State Assemblies, and for indirect voting such as in
electoral colleges. Part IV of the Rules covers "Voting in Parliamentary
and Assembly Constituencies", while Part V covers "Counting of Votes in
Parliamentary and Assembly Constituencies". Part IV has two Chapters, with
Chapter I (Rules 28 to 48) applying to "Voting by Ballot", and Chapter II
(Rules 49-A to 49-X), which was added in 1992 to deal with the new
phenomenon of electronic voting, applying to "Voting by Electronic Voting
Machines".

Rule 49-O, which is part of Chapter II, has been introduced in order to
account for all electors who have attended and signed into the polling
station. In the case of voting by ballot, the actual number of ballot
papers issued are required to be tallied with the votes cast in order to
avoid any malpractice, and this account includes ballot papers which have
been properly marked, ballot papers which have been accidentally
torn/defaced, ballot papers which are seized from electors who refuse or
fail to put them into the ballot boxes, and so on. Since ballot papers are
physically verifiable and can be counted (whether from the ballot boxes or
from sealed envelopes containing defaced/torn/misused ballot papers), there
was no need prior to 1992 to have any special Rule to obtain the signature
of an elector who attended the polling process but refused or failed to cast
her/his vote.


However, when voting is done by electronic voting machines, there is no
physical manifestation of the vote. Hence, all accounting has to be done by
verification of the registers which are signed by the electors before going
behind the screen and punching a button on the voting machine. There being
no such thing as a blank or defaced or torn ballot, it became necessary to
provide that if an elector, after coming to the polling station and signing
in, refuses or declines to cast her/his vote, then a remark has to be made
in the register and the signature/thumb impression of the elector has to be
obtained against such remark. This remark/entry is then relied upon while
counting votes under Rule 66-A, which is a special Rule for counting of
votes cast in electronic voting machines, since the machine only records the
votes actually cast, and has no means of knowing how many people signed in
but failed/refused to cast their votes.


Rule 66-A read with Form 17-C make it clear that the purpose of Rule 49-O is
only to ensure that electors who fail to vote ater signing into the pollking
station have done so of their own accord and not due to any force or
coercion. Form 17-A is the form in which the polling booth register is to
be maintained, which is signed by all electors when they enter the polling
booth and are identified against the list of valid voters at that booth.
Form 17-C records the final count of votes as per Rule 66-A, and this has to
be signed by the election agents of all the candidates as it reflects the
final result of the tally. Column 6 of Form 17-C requires that the number of
electors who actually cast their votes as per the voting machine, be added
to the number of those who declined/refused to vote, i.e. those in respect
of whom a remark is entered against their names in the voting register (Form
17-A) under Rule 49-O, and that the total of these two figures should tally
with the total who signed the voter's register. In case of any discrepancy
in this total, the polling agents have to explain the discrepancy in Form
17-C. This is nothing but an accounting procedure devised in order to
ensure that there is neither any bogus voting, nor any force used to prevent
valid electors from casting their votes.


Importantly, there is nothing whatsoever in the Act or Rules to suggest that
if electors either individually or collectively decline to cast their votes
and get this fact recorded under Rule 49-O, then this would have any effect
whatsoever on the election. Elections are won (or lost) on the basis of
votes cast in favour of different candidates, and not on abstentions.
The Greek definition of "" remains as valid as ever, and Rule 49-O has
done nothing to elevate a person who refuses to vote out of that category.


Cheers.

harresment from cibil, contact me i will help u to get out from cibil

i[censored] r facing a problem to get loans because of cibil please contact me, i will help u to get out from cibil list.
my email id is :[protected]@hotmail.com
my phone no is [protected]/[protected]/[protected]

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]

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)

Hi
The same situation is laying with me ..one side CIBIL use to act against customers without verifying the complaints of the bank whether that customer has really availed the services or not but they do not use to take against these banks...which are are notorious about their work ...

I fully agree and would like to fully cross all the related documents from banks before addind some ones name in defaulters list as wrong will amount to injustice and putting innocent persons in trouble.RBI has to ennact law to punish CIBIL for wrong enteries thus saving innocent sufferers from harassment.

I am fully agree with you. Bankers are threating the people to send their name to CIBIL without even listning to them.

nation must ENACT a strong Law to punish CIBIL if found Guilty

It seems the member banks/institutions are making a mockery of the whole purpose of CIR. CIBIL, which encompasses collecting credit information from its members and disseminating the same back to them in the form of credit information reports, does not verify the correctness of information provided by member banks. That means a member bank can willfully make an individual a defaulter wihout even giving an opportunity to the party to express his/her side of the story or it can withheld correct information or delay updated informatioon.

I have the opportunity to get a copy of my CIR and really surprised to see more than 7 errors in the report, which I can prove to any court of law in this country. Also the my CIR shows that bank never updates the information periodically. I can show a loan which I closed in year 2006 still find still find place in the CIR as open with current due. If this is the way CIBIL disseminates info to member banks, I am very sure it will end up in deep trouble

Dear Sir,


I also face a similar problem of having my name is cibil list due to no fault of my.

Cud u advise how to proceed and save from hazzles.

Sita

i have a credit balance due of rs.6, 191 from a banker against one of a credit card but i dont have any information about that credit amout, my control no. is 39, 43, 92, 534, this is a kind request plz send me the details of my credit account.i have added my email id herewith.


thanking you,

mr.dilip kumar das

against my previous email i did not any feedback yet, plz help me as soon as possible, (EMAIL [protected]@gamail .com, ...member reference no.BS00012874


thanking you,

MR.DILIP KUMAR DAS

This is Syed victim of Barclay bank..

I have received the Barclay card last year and i have never ever used it outside. Within 5 days of time bank people called me saying that we will put you in lombard insurance so i said okey i will pay which is monthly 700 till 6 months.. then within 10 days of time they again called and told that you are in priority circle option so if you pay 5000 you will get benifits i said let me think all this.. but they sent firs statement itself with all priority circle amount and insurance along with 1200 taxes. I said revert the priority amount which is optional and send me the original insurance amount statement they have rejected saying i need to pay all amount.. for this i started fight with them saying who you are to force me to pay the priority amount which is not at all mandatory. Almost i wasted lot of money calling them and i sent so many mails but they never ever responded for my request, now they are saying that after you request which i made in july they reverted the amount in december means almost after 6 months of my request and asking to may other all amount with late payment all those. I asked them why you have not reverted when i requested you ? No answer for them and no they are saying will go for settlement. They entered my name in CIBIL also.

My question to all the banks who are rejecting the loan..

1) If one good customer who is earning 50k per month and asking you for just 2 lacks loan, you are simply rejecting saying your name is in CIBIL with over due of 1500, so is that the matter for a person who is earing 50k to pay 1500. Who will be in loss ? If my name is entered by barclay and if other banks are not giving loans means other banks are fools because barclay is reducing other banks business.

2) Why banks are not taking proper proofs and explanation from customer, check customer other options like salary and other information, only because of name in CIBIL not providing loans means banks are in loosing their valuable customers.

3) Why the CIBIL is blindly putting the names of the people given by bank why they are not contacting the persons and why the are not taking explanations, it means CIBIL in onside worker means only for banks they will work what ever it may be. I think if banks will put bill gates name or some richest person name then also CIBIL will enter the name of them blindly it seems.

All banks need to think about their business not the other banks complaints..

Regards
Syed

I am a prcticing chartered accountant and am willing to help you in your fight .Do please ask me about the legal issues involve in banking regulation act and other act and i will provide u input without any obligation