[Resolved]  CIBIL — defaulter classification

I am agree. I am facing same kind of problem.

I had settled longtime back personal loan taken from CountryWide, which was taken over later by GE countrywide Finance.

It is very sad and pathethic to know that inspite of my clearing the GE countrywide payment as per their closure offer letter to me, my name is under RED in CIBIL report and still I get lawyers notices for initiating legal action against me.

Is there anyway that I report to consumer court or forum or to some sort of assistance from legal institutions to get rid of this menance I am facing of no fault of mine? or even get some compensation from GE countrywide to the settled loan of my account for this undue harassment?

It really ruined my chances of getting loan from PNB bank because of this CIBIL remark, whereas I have settled not only GE countrywide dues but have also cleared all the loan amount I had taken from HDFC for car loan.

Is there a way that CIBIL can be compelled by to remove my name irrespective if the concerned bank or financial institute refuses to clear an individual name from full payment? in other words are these financial institutes or banks are taking revenge by not filing clearnece report with CIBIL in case of settled payments?

reply to amar(dot)kewlani(@)gmail(dot)com

Dear, i am also having the same problem.. can you just tell me that what steps did you took.. please..

CIBIL — Credit Report not received

Hi,

I have applied for Credit report from CIBIL and its been more than 30 days i have not received any acknowledgment or call from them. It is totally insane.

Moreover they have mistakenly added my name in their defaulter's list.

Thanks,
Bala

cibil has classified me as a defaulter on the complaint of Indusind bankwhich was settled long back in 2007. amount is just 300000. i have availed and closed lot of loans after that. i have not cheated any bank but only banks have dissapointed me by their inefficient service. i was informed that even if i settle this amount with Indusind bank, there is no surety that cibil will remove my name from defaulters list. i am a victim o[censored]njustified business practices of this bank for which cibil is a accomplice.what is the remedy iam having.
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Respected Sir.
I Rasheeduddin.Resident of Korutla.
Dist;Karimnager. Andhra Pradesh., WOULD LIKE TO BRING TO YOUR NOTICE THAT . I HAVE CLEARED MY PERSONAL LOAN IN FEB 2009, AND THE OTHER LOAN WAS CLEARED FOR WHICH I HAVE BEEN GUARANTER IN TATA CAPITAL HYDERABAD.THE ACCOUNT NO IS [protected].( AMBALLA RAMESH) . AND THE OTHER INDIVIDUAL LOAN WAS CLEARED IN FEB 2009 . THE ACCOUNT NO IS [protected] . BUT IN CIBIL REPORTS ARE SHOWING THE OVERDUES. SO PLEASE KINDLY REQUEST YOU TO CLEAR THE CIBIL REPORTS AS SOON AS POSSIBLE
. AND PLEASE SEND TO MY MOBILE NO. [protected]

CONTROL NO.[protected]. DATE OF BIRTH[protected], PAN NO AEK PR6096K

Hi,

My CIBIL Registration ID : [protected]. Could you please let me know whether my Name "Suresh Subramanian" is in Defualter list.

Regards,
S.Suresh

anoop

CIBIL — HOW CAN I CHECK MY CIBIL STATUS

HELLO TEAM THIS IS VIJAY SAGAR STILL I HAVE'T TAKE ANY LONES AND ANY OTHER ACTIVITES,BUT MY NAME APPEARED IN CIBIL HOW CAN IT POSSIBLE, AND HOW CAN I CHECH CIBIL STATUS.

very bad

You can purchase your report from www.cibil.com for the nominal sum of Rs. 142. Once you get your report you can raise an error with CIBIL if you feel there is something wrong. This also can be done through their website.

Hope this helps!

CIBIL — Regarding my name in CIBIL

Why my name is in CIBIL when i have paid all the payment of all my credit card.There is no actual outstandng on my any cards.

Ganeshan — CIBIL Report

I had applied for a car loan form SBI, but the same was rejected due to CIBIL report. According to CIBIL I am holding credit card amount written off in my account; I do not own a single credit card. This type of false data is providing by the CIBIL organization, why it is so? this is only because of the data entry operator's mistake or authority mistake? as per the CIBIL statement said that at least 45 days to reply I have waited more than 45 days but no solution has received and also I contacted by phone also but not yet received any reply. I am not happy with the service.

Mentally and physically not well because of false data.

Hi

My score is droped in cibil as I became one in a defaulter list. I hold 2 Credit cards in one which I found that they have levied some charges where I didnt paid. Then they put me in CIBIL. Where I cantt get any loan from bank. So I dont want to mess with these beggars. I am willing to pay the amount. If I do so then will my point get increase or it will be in same state could any one please respond it to me? if it is so then how many months will it take ?

An Amount of Rs 250000/-(Rs two lacs fifty thousand only) shown overdraft, which is quit wrong, no amount has been overdraft from any bank by me.Kindly do the needful

Sir,

www.cibil.com is giving wrong report regarding overdue amount of Rs. 75, 000/- for auto loan and Rs. 400/- for ICICI credit card in my favour, whereas I have already been paid the above said overdues and the ICICI bank Ltd has issued me NOC on 21.03.2011 vide which they have informed that there are no dues left for auto loan. The copy of the No Dues Certificate is as under:

Sub: No. Dues Certificate
Loan Number: LUSHM[protected]
Loan Amount: 265000

To whomsoever it may concern

With reference to the above referred loan, we hereby confirm that the loan advanced to Mr. VIKAS KAUNDAL of has completed on 21.03.2011.

There are no dues left in the said account.

You are therefore, requested to update my cibil record and remove the above stated overdues immediately and inform me as soon as possible by e-mail.

Yours faithfully,


VIKAS KAUNDAL
Hans Cottage, Nr. Shiv Mandir Summer Hill,
Shimla (H.P)
[protected]
E-mail: [protected]@rocketmail.com
Pan No. ALQPK8679L

A personal loan of RS.130000/-(ONE lACS THRITY THOUSAND ONLY) has shown in cibil report. THis personal loan has not taken by me from any bank. kindly make the correction or update this cibil report.So that unnecesserely
corrospendance may be avoided.

(Madan Mohan Kohli)
S/o Sh Assa Ram Kohli
PAN-abmpk 4845 q
e.mail- [protected]@iffco.nic.in

An Auto loan of Rs 434000/-(Four Lacs thrity four thousand only) instead of Rs 450000/-(four lacs fifty thousand only) was taken for State bank of Patiala Sector 8 Chandigarh in the month of dec-2007 Total loan & intrest has been Paid in the Month of may-2011.The no due certificate has been obtained form State Bank of Patiala sector-22 chd.The amount is still showing under cibil report. Kindly make the correction.

(Madan Mohan kohli)
S/o Sh Assa Ram Kohli
PAN-abmpk 4845 q
e.mail- [protected]@iffco.nic.in

CIBIL agency was organised on the bases of international ground to make the life of Indian people easier that earlier.but it is surprise to note that insteasd of giving confort to the indian peoples.Now cibil has become mantel toucher.It is abious to note that cibil is giving wrong informations. kindly make it sure that civil reports of creditors should be on the bases of hard facts& figures.

(Madan Mohan Kohli)
S/o Sh Assa Ram Kohli
Pan-abmpk 4845 q
e.[protected]@iffco.nic.in

No action is being taken on the comments written there in, by cibil or by concerned banks.Peoples are facing lot of problems.Kindly do the needful at the earliest & obliged.

Pan-ABMPK 4845 Q