[Resolved]  CIBIL — defaulter classification

dear sirs,
i have a similar complaint. i was unsolicitedly sent a hsbc credit card in 2002-3. there was a supposed rs. 300 discrepancy in the settling amount, due to the mistake of the tele-executive. as it was unjustly assigned into my credit account, i refused to pay this amount for the sake of propriety. the bank failed to send me any closure letter.
i have made sincere attempts to settle this issue with dignity, but the bank sent me only automated replies and asked me to contact many telephone no.s that were either inaccessible or they were just not working.

following this i have availed many loans to the tune of 30 lakhs and have promptly cleared each of them much before their closure. i also hold citibank card for the last many years and the record is immaculate.

now that i have applied to citibank for a home loan, this old hsbc business has raised its head. i have been given to understand that as of this day, i owe hsbc bank a whopping sum of rs. 43000 odd - this is for a sum of rs. 300 that was the mistaken calculation of the tele-executive.

what is the solution . i have provided citibank the satisfactory closure letters of all my other loans as also the record of credit card payments of their own citibank card that i hold for many years.


dr. prashanth

CIBIL — WRONG CREDIT INFORMATION

I M THE RESIDENCE OF NORTH DELHI , INDIA, RECENTLY I WAS APPLIED FOR A CAR LOAN, THEN I COME TO KNOW THAT THE CREDIT INFORMATION BUREUO INDIA LTD, HAD RECORDED A FALSE STATEMENT OF OVER DUE IN MY ACCOUNT, THIS IS A VERY BIG FROUD AGAINST ME, PLEASE HELP ME TO RECTIFY IT

CIBIL — Wrongly listed in my name

I, Shahid Hasan, having Pan No. AAIPH8059G, Date of birth 15th August 1952, submit as follows :--

I have never taken a loan of Rs. 8,24,480/- from any bank which is reflected in the Cibil report dated 05/05/2010. The report shows an overdue of Rs. 9,537/- and creating problem for getting a car loan from SBI.
I request the CIBIL to rectify the report so that I am not harassed.
Thanks.
Shahid Hasan
Inspector, Nationa Crime Records Bureau, East Block-7,
RK Puram, New Delhi-110066
Ph. [protected] begin_of_the_skype_highlighting [protected] end_of_the_skype_highlighting

arre yaar credit card ya to master hai ya visa aur dono company american hai aur unki maa chud gayi hai waha.

aub wo yaha ke banks ke saath mil kar drama kar rahe hai. mat use kar credit kaard kisne kaha tha card lene ko aur uth patang cheeze subscribe karne ko ? credit card is good if you have an online netbanking account with same bank and you maintain some balanace with account.

i use my card to pay on dominos or pizza hut :)) bas aur ghar pe aa kar next day full payment koi panga he nahi.

i am residence of chennai. recentlyu i was applied for a car loan. then i come know that the cibil had recorded a false statement of over due in my account please help me to get a car loan.s.k.j jakir hussain 05/08/1980 [protected]@yahoo.co.in

Most of the banks are using CIBIL to cheat the consumers. Barclays and CitiBank are the main culprit.

To,
CIBIL

From,

Sindhu Sobandass
Arangath House
Vellanikkara P.O
Thrissur (Dt)
Kerala

I have taken only one twoweeler loan from ICICI bank from Thrissur Branch. I have no other loan from any Bank.
Now your report shows that I have taken three loans. pls check and correct, Pls inform me as soon as possible. Pls sent
in this email [protected]@gmail.com


Yours faithfully
Sindhu sobandass

TO
CIBIL

FROM
Sindhu Sobhandass
Arangath House
Surya Nagar
Vellanikkara
Thrissur Dt
Kerala State

I have a loan from ICICI bank in the year 2005 for a
2 wheeler. I can't pay it on correct time. Now this loan had came under cibil.
Except this loan I dont have any loan. But in your account it was seen that I have taken one credit card loan & another 2 wheeler loan.I request you to send the details for me to correct my mistake

Bajaj auto finance limited/personal loan — update of cibil

In 2007 i got personal loan from BAFL to purchase a Zenith pc.I paid the full amount of loan and I get NOC from BAFL on 29.04.2010.but till date CIBIL score and defaulters list not updating

you are right.my name is appearing in defultors list.though i do not have any dues with any bank.when i sent a mail to CIBIL asking for the details of default, there is no reply inspite of repeated phone calls and mails.my loan is held up.what should i do with this type of buggers who are not responding and making the lives of millions of indians miserable.They are doing this by taking kick backs from the foreign banks and helping them in looting the indians.RBI is also a party for the same,

Need my CIBIL report to verify my credit history...


B.ganesan

Date of Birth 3131977

chennai

I am Saver Elias.Dsouza my Pan No is AHAPD6505C i have applied for the loan for the commercial propreites Bui i come known CIBIL has given the false statement againt me Auto Loan, Housing Loan & Credit Card Loan, still the current date I Have no Loan againt me, Kindly Help me out & Clear my Statment agaist the loan My Email Id [protected]@hotmail.com

i want to clear my WO with the bank as i already paid the payment.

Hi,

Just wanted a clairfication that just on the bank statement how could you put the names as defaulters in the list. I have paid al the dues in ICICI bank and I have never received any statements from them nor any emails about the amount dues. One fine day they call me and tell that I need to pay all the late payment charges and so which is 10 times more than the actuals. You can't name a consumer a defaulter in such cases wherin the consumer is not at all received any statements. After repeated calls to their customer care we still not get response. how are we suppose to close these credits.

I just came to know that my name has been reflected in the cibil track of credits through one of the banks where I have applied for loans. I made a call to customer call and found there is outstanding which is not at all actuals . No statements, no calls, no messages on this from the back. They keep on waiting and increase the late fees and put us in defaulters list. Till date I have never ever thought of defaulting any amount for any bank.

Its very sad that there are system in place like CIBIL which should help the consumer or bank and not to damange the image of the genuine consumer.

Respected, sir hats off to you for your humble fight against cibil

ravi.[protected]@yahoo.co.in

Respected Sir,
I have taken Pl and credit card from the respected banks, even I had paid the amount for both cc and PL, but now when I apply for the car loan in ICICI bank, everything was alright even I had paid the DP of 1.45/- lacs but atlast after 10 days of application Bank is telling that my name is in cibil so i will not eligible for the loan, sir for your kind information I have paid everything even I had a settlement and noc both from the bank, then also my name is in cibil.please suggest me whether my name is in cibil, if there then tell me from which bank so that i can clear remaining amount..PLEASE REPLY ME AS EARLY AS POSSIBLE.


regards
Rajiv Koshti

Iam suddnely shocked that I don't have any idea that I am the defaulter of CREDIT CARDS
Because, their is no any instruction or mail or letter from the CREDIT CARDS Service provider for outstanding amount.BUT IAM NOT HAVING ANY LOAN IN ANY OTHER BANKS AND CREDIT CARD PAYMENT DUE.
AS per BANK OF MAHARASHTRA information The outstanding amount shows 25000/- only.( Information not aviable for which Credit card). For this BANK OF MAHARASHTRA is holding the amount my 25 lakhs proposal is for only CIBIL. can any one is helping me for the same.


Regards,
V V BALLARY
Dy GENERAL MANAGER ( ELEC & INST)
HALLMARK TECHNICAL SERVICES PVT LTD
A-J Tower, 176 Dahanukar colony, Kothrud, PUNE - 411038
Cell [protected]
Ph[protected]/1/2/3/4/5
Fax[protected]
Email - [protected]@hallmarkproject.com, [protected]@gmail.com, [protected]@dataone.in, [protected]@hallmarkproject.com
Website : www.hallmarkproject.com

CIBIL Complaints - defaulter classification
CIBIL has classified me as a defaulter on the complaint of a couple of banks like ABN AMRO, ING Vysya which was settled long back and the NOCs were taken. The disputes arose because of miscommitments from the bank's DSAs and sales agents and when there was no recourse in spite of repeated complaints, I had to get into a settlement. If banks settle and give an NOC then they should not treat that dispute as a payment default and use their one way access to CIBIL to lower CIBIL score of a consumer. If the bank truly thinks that a customer is a defaulter then they should not settle but take legal recourse to recover dues. i have availed and closed(fully paid) lot o[censored]nsecured loans after that and also been upgraded to Platinum category with Citibank but the old CIBIL entries have spoiled my credit worthiness.After the recession banks have dissapointed me by citing CIBIL records most of which are not updated and inaccurately and wrongly portrayed as write offs in spite of issuing an NOC.I am a victim o[censored]njustified business practices of banks for which cibil is a accomplice since they do not update their records on the basis of consumer complaints even if I produce the NOC issued by the banks..what is the remedy? those banks are not bothered to update CI BIL recordsbecause they have got their money after the settlement but CIBIL insists that they will remove or modify records only if the issuing bank writes to them. Its a stalemate

this is very good platform to know the status of borower so that any bank before finance can have correct assesment of the applicant for borrowings.

This is most powerful wepon got the all Banks to use against the customers, if the customer has done something wrong than it should be used against them but what about the innocent people ? do you have any clerification regarding this.

Please confirm and infrom