[Resolved] CIBIL — How to get out of CIBIL's defaulter list. | |
Hello Sir/Madam, I just want to know if there is any chance or way to make my name out of the defaulters list in CIBIL.I made 2 settlements as I could not repay my credit card bills in Jan 2007 due to bad financial position. After that settlement there is no more remark about my credit card payments or my credit history in your terms, but the problem arised when I applied for a personal loan for my Sister's marriage. My application got rejected as I made some settlements in the year 2007, even after I provided them with the settlement documents. I even tried to repay the balance amount of the settlements done with the respective banks, but to my disappointment they said that even if I pay the remaining amount, my name would be still in the defaulters list and that they cant help me in any way. And as I was not able to get a loan, the marriage got postponed and then cancelled. SO, I request you to help me with a way, advise or suggestion (if any) to make my name out of CIBIL's defaulters list for ever. Else the only way for me to avail a loan would be to settle abroad and apply for a loan in that country. :). I hope CIBIL will not reject my application there too. I would appreciate if you can please help me with the best solution or reply to my problem. One request: If possible, please give us a chance (to the defaulters) to repay the balance settlement amount, may be by fixing the time frame to repay it, else Permanent residency as a CIBIL defaulter.Help us get out of CIBIL's defaulters list. Theres a chance to get out of a DEATH SENTENCE or a LIFE IMPRISONMENT but seems theres no way for a defaulter in CIBIL, so please help us with a solution for our problem. Thanks and regards, Vidhya Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 186 Comments | |
Comments
Stan Chart Card — Wrongly put me in written off list
Hi,I had applied for a home loan of Rs 30 lakhs from axis bank and they rejected my loan application based on information that the my name is in the CIBIL where an amount is shown as written off . I wrote to CIBIL got the my report . I was shocked to see that an amount of Rs 7706 has been shown as written off by Stan Chart. I wrote to Stan Chart and following is the reply.
Ref : 03/10/028802
Dear Mr. Mahadevan,
This is with reference to your e-mail dated March 12, 2010
We are concerned to note that you have had a cause to complain on our
services. We regret any inconvenience that may have been caused.
We confirm having invalidated your card account with effect from
November 26, 2005. On date, there is an outstanding of Rs. 8741.35 on
the card ending # 1059. We have arranged to reverse the outstanding of
Rs. 8741.35 on the card ending # 1059. Post reversal, there will be
nil outstanding payable by you on the card ending # 1059.
Trust the above clarifies your query.
Assuring you of our best services always,
Yours sincerely,
Please let me know how and what action i can take against Stan Chart for spoiling my credit history due to which i could not get a home loan. I have an excellent record of paying my personal loan, home loan,card loan,car loan without default.
Kindly advice.
Thank You,
N.Mahadevan
SBI Credit Card — Settlement done in last year. But still name is appearing in CIBIL LIST
I have done settlement with SBI credit card in last year. But still name is appering in CBIL list.It restricted me to getting loan from financial institue. Hello Sir/Madam,
I just want to know if there is any chance or way to make my name out of the defaulters list in CIBIL.I made 2 settlements as I could not repay my credit card bills in year 2007 due to bad financial position.
I applied for a personal loan for my Sister's marriage. My application got rejected . I even tried to repay the balance amount of the settlements done with the respective banks, but to my disappointment they said that even if I pay the remaining amount, my name would be still in the defaulters list and that they cant help me in any way. And as I was not able to get a loan, the marriage got postponed and then cancelled.
SO, I request you to help me with a way, advise or suggestion (if any) to make my name out of CIBIL's defaulters list for ever. Else the only way for me to avail a loan would be to settle abroad and apply for a loan in that country. :). I hope CIBIL will not reject my application there too.
I would appreciate if you can please help me with the best solution or reply to my problem.
One request: If possible, please give us a chance (to the defaulters) to repay the balance settlement amount, may be by fixing the time frame to repay it, else Permanent residency as a CIBIL defaulter.Help us get out of CIBIL's defaulters list.
Theres a chance to get out of a DEATH SENTENCE or a LIFE IMPRISONMENT but seems theres no way for a defaulter in CIBIL, so please help us with a solution for our problem.
your truly
Syed imran
I just want to know if there is any chance or way to make my name out of the defaulters list in CIBIL.I made 2 settlements as I could not repay my credit card bills in year 2007 due to bad financial position.
I applied for a personal loan for my Sister's marriage. My application got rejected . I even tried to repay the balance amount of the settlements done with the respective banks, but to my disappointment they said that even if I pay the remaining amount, my name would be still in the defaulters list and that they cant help me in any way. And as I was not able to get a loan, the marriage got postponed and then cancelled.
SO, I request you to help me with a way, advise or suggestion (if any) to make my name out of CIBIL's defaulters list for ever. Else the only way for me to avail a loan would be to settle abroad and apply for a loan in that country. :). I hope CIBIL will not reject my application there too.
I would appreciate if you can please help me with the best solution or reply to my problem.
One request: If possible, please give us a chance (to the defaulters) to repay the balance settlement amount, may be by fixing the time frame to repay it, else Permanent residency as a CIBIL defaulter.Help us get out of CIBIL's defaulters list.
Theres a chance to get out of a DEATH SENTENCE or a LIFE IMPRISONMENT but seems theres no way for a defaulter in CIBIL, so please help us with a solution for our problem.
your truly
Syed imran
After asurance from Standard Chartered Bank mail dt 8/02/10 that they had update the appropriate status in the CIBIL records within 45 days, as the bank confifmed that loan account No. 42346711 is invalidated in their recordsand and as on date there is no outstanding payable by me The updation is still pending . PAN AAPPB1127L
Hi
I had taken personal loan from ICICI bank. In last 2 yers my 6 cheque are bounce due to shortage of finance but now i had clear my personal loan of ICICI pls advise how i can remove my name from cibile site.
Pan card no # AZUPS8384A
Name # Sunil Singh
D.O.B # 20/04/1882
Pls clear my name from defaluiter as i am applying for home loan
Regards
Sunil Singh
I had taken personal loan from ICICI bank. In last 2 yers my 6 cheque are bounce due to shortage of finance but now i had clear my personal loan of ICICI pls advise how i can remove my name from cibile site.
Pan card no # AZUPS8384A
Name # Sunil Singh
D.O.B # 20/04/1882
Pls clear my name from defaluiter as i am applying for home loan
Regards
Sunil Singh
i know about my account and cibil report
Credit Card — CC bill are being sending to me even paid full amount on my credit card
Dear Sir, I am basi reddy , i was credit card help of SBI and did the total settelment (Rs of around 9000/-) in the month of April -2009.even when i called call center they has been confirmed my cc a/c has been closed and no dues.But every month i am getting cc statement in my mail ID [protected]@yahoo.com that ur bill is due for pay is around Rs 148/- and minimum amt to pay is around Rs 128/-. this am getting last 6 months .
Request you to pl help in this
I came to know that the defaulter name would be kept for 5 years and after that your Credit Report would be zero? Is this right? please answer??
Whom so ever it may concern in CIBIL,
It is not fair to harrase the borrower's like this by keeping their names in defaulters list of CIBIL even after paying the amount due to the banks as a final settlement. Please appreciate the fact that we (borrowers) make payment money to the banks as final settlement only on Banks showing their consent to settle the accounts for the agreed amount.
It is absolutely unfair doing so by the banks and CIBIL supporting them in getting their objective acheived. And CIBIL never talks how good the banks' responsiveness when the account/card is active. No one in CIBIL cares about how banks charge all the fake or unreasonable charges.
Shame on CIBIL.
Narasimha
It is not fair to harrase the borrower's like this by keeping their names in defaulters list of CIBIL even after paying the amount due to the banks as a final settlement. Please appreciate the fact that we (borrowers) make payment money to the banks as final settlement only on Banks showing their consent to settle the accounts for the agreed amount.
It is absolutely unfair doing so by the banks and CIBIL supporting them in getting their objective acheived. And CIBIL never talks how good the banks' responsiveness when the account/card is active. No one in CIBIL cares about how banks charge all the fake or unreasonable charges.
Shame on CIBIL.
Narasimha
Hi ... A settlement means an agreement between you and the bank to which both of you agree. After settlement the bank cannot ask for any amount towards the loan and hands you a settlement letter stating that no dues are pending towards your loan. After settlement the bank send an update to CIBIL about your credit status after which CIBIL removes you from the blacklist. This procedure takes around 2 to 3 months. You should not be denied of loan because of this reason, try applying loans to different banks. I faced a similar situation a few years ago, i settled 3 credit card dues and 2 loan accounts due to poor financial conditions. Immediately after setttlement of the last pending amount i tried applying for a credit card to find out how the system works. The application got rejected. As per the Collection executives advice I again applied for a loan and credit card after 3 months and I got both of them approved. So it doesnt matter if you were blacklisted in CIBIL, if you can show a strong present financial condition you will have it approved.
SBI Card — WRONGLY NAMED IN CIBIL EVEN PAID FULL,LETTER RCVD FROM SBI OF NO DUES
MY CREDIT CARD NO. [protected], SBI CARD.OFFERED LOAN TELEPHONICALLY,PAID ALL CHARGES AS PER GUIDANCE.
WHEN LOAN RCVDWENT TO 11% INSTEAD OFFERED 8% WITH ALL
NONMENTIONED GST ETC.SO PAID RESIDUAL MONEY,RCVD NO DUES LETTER
FROM SBI,STILL NAME IN CIBIL,CIBIL MUST COUNTERQUESTION OR HEAR FROM CLIENT BEFORE ALLOWING TO PUT NAME IN DEFAULTER LIST.I'M REPUTED DR.
& MAN OF LAW,I'D ALSO COMPLAINT TO POLICE COMMISSIONER,BARODA OF
THEIR HARRASMENT AT THAT TIME.I'VE ANSWERED TO THEIR ALL QUERRIES
EVERYTIME & STILL ANSWERABLE.
cibil figures — WRONG FIGURES OF CREDIT/OUTSTANDING
REFER MY NO:[protected] SEND ME THE DETAILS OF HIGHEST CREDIT LIMIT AND OUTSTANDING LIMIT AS ON DATE, AS FIGURES SHOWN BY S.B.I. ON MY APPLICATION IS WRONG-AWAITING IMMEDIATE REPLY- MUKESH KOTHARI- [protected] - [protected]@yahoo.comCIBIL & HSBC — Invalid defaulter list in CIBIL
Sir,I was using HSBC credit card([protected]) and paid all the dues in 15th January 2010 and got confirmation in next month statement. After that I've never used that credit card and technically it can't be used if the credit and cash limit are Rs0.00. This can be clearly visible in snapshot.
But today I came to know from IDBI bank(applied for house loan) they got a instruction from CIBIL that there is a due of Rs.19000/- against me. Which is quiet shocking to me.
Could you please do the needful and suggest what can be done from my end to resolve this issue as soon as possible to get the loan.
Regards,
Manas
Cell - [protected]
Dear All:
It is unfortunate and ironical to know that in our nation, loans and credits are approached as a free meal but when someone tries to apply for them then a self - acclaimed system of BANKS known as CIBIL comes in picture, this organisation is attested by Government of India but not a Government organisation it is rather a sfaeguard for banks to safeguard themselves (accepted) but who has given them rights to write off a credit without issuing a notice to the consumer? This is bizarre and an unnecessary action taken by the filthy banks who would like to eat the cake and the cream to, top it all you cannot change the incorrect details in CIBIL without kneeling down in front of the banks secondly you can get your credit report for free you need to pay for it, this is indeed a cake and the icing for the banks. Thanks to the government of our nation and the banks who have encouraged this pathetic system which is only in the interest of the banks and not the customers.
If any official of cibil or Government of India is reading this please stop testing people patience it won't pay off...
It is unfortunate and ironical to know that in our nation, loans and credits are approached as a free meal but when someone tries to apply for them then a self - acclaimed system of BANKS known as CIBIL comes in picture, this organisation is attested by Government of India but not a Government organisation it is rather a sfaeguard for banks to safeguard themselves (accepted) but who has given them rights to write off a credit without issuing a notice to the consumer? This is bizarre and an unnecessary action taken by the filthy banks who would like to eat the cake and the cream to, top it all you cannot change the incorrect details in CIBIL without kneeling down in front of the banks secondly you can get your credit report for free you need to pay for it, this is indeed a cake and the icing for the banks. Thanks to the government of our nation and the banks who have encouraged this pathetic system which is only in the interest of the banks and not the customers.
If any official of cibil or Government of India is reading this please stop testing people patience it won't pay off...
Dear CIBIL Higher authorities,
The CIBIL is really killing innocent persons for no fault or for any minor mistakes.
It is the responsibility of CIBIL to intimate the defaulters in case their name is pushed into the CIBIL so that it can be settled soon rather making the innocent to run around to find out where exactly they have committed mistake and to secure any further loan.
It's very easy to get a bail after committing very serious and heinous crime, but getting out of CIBIL list is like a death punishment, but sometimes death punishment is also pardoned off and not CIBIL.
The CIBIL tel/customer care department is not very responsive, have to wait for hours together for someone to pick up the phone and you do not get any reply if you communicate through E Mail.
I wd finally humbly request the CIBIL to kindly communicate with the defaulters to settle their outstanding loan amount by giving the correct details with the concerned bank rather than remaining silent and be a cancerous killer.
All the best CIBIL
The CIBIL is really killing innocent persons for no fault or for any minor mistakes.
It is the responsibility of CIBIL to intimate the defaulters in case their name is pushed into the CIBIL so that it can be settled soon rather making the innocent to run around to find out where exactly they have committed mistake and to secure any further loan.
It's very easy to get a bail after committing very serious and heinous crime, but getting out of CIBIL list is like a death punishment, but sometimes death punishment is also pardoned off and not CIBIL.
The CIBIL tel/customer care department is not very responsive, have to wait for hours together for someone to pick up the phone and you do not get any reply if you communicate through E Mail.
I wd finally humbly request the CIBIL to kindly communicate with the defaulters to settle their outstanding loan amount by giving the correct details with the concerned bank rather than remaining silent and be a cancerous killer.
All the best CIBIL
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Hoechst House, 6th Floor, 193 Backbay Reclamation, Nariman Point, Mumbai, Maharashtra, India - 400021
I had credit card and personal loans. due to recession effect i didnt get my salaries for almost 8months and was also unable to get a new job during that period. So finally had to stop paying all my credit card payments and EMI's. Finally i had to go with the settlement option for all my cards and personal loan.
finally i settled
ABN AMRO Credit card and personal loan
Citibank Credit card
HSBC Credit Card and ICICI Credit Card.
the worst thing out of all these settlements is even after settling HSBC Credit card still the account is not yet closed.