[Resolved]  CIBIL — defaulter classification

I Devender Kumar Bhambri S/O late. Subhash Chander R/O 66, Bhavishya. Nidhi. Enclave, Malviya Nagar, New Delhi-110017, My Pan No. AIJPK414J, DOB-15/09/1975, Contect No. [protected] pls. confirmed my Cibil
Thanks

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DEAR SIR,
IAM D.ARJUNUDU, I HAD APPLIED HOME LOAN IN AXIS BANK. BECAUSE OF CIBIL SHOWINGS OVER DUE RS 156000/-.AND IT IS ALSO HOUSING LOAN.BUT IAM NOT HAVING ANY HOUSING LOAN IN ANY OTHER BANKS. I HAVE ONLY TWO PERSONAL LOANS AND IT HAD CLEARED IN LAST MONTH.

So kindly change my status on CIBIL with immediate effect and send clarification to my mail.

My name: Dommeti Arjunudu, s/o. Dommeti Venkat Reddy
My DOB:[protected]
My pancard No: AIPPDO990B
My cibil control no:[protected]
My contact details Phone : [protected], email: [protected]@gmail.com

Respected Sir,

My name is Boby J Vettikuzha, holder of PAN card # ADMPV 4185G and I have applied for a loan from Axis Bank and they have asked for clarification on the below items as per the cibil records.

control no.[protected] as there are 2 credit card
showing in cibil one is settled & 2 nd card is written off.

The bank is awaiting details on the above and could you kindly help me in providing the details for availing the loan. Your help in this regards would be highly appreciated. Thanking you in Anticipation

Boby

Actually I am applied home loan from SBI.But as per their report there is some credit card payment is due of @ Rs. 680 . Actually i bought credit card long before.But i have never used that credit card. Then there is no issue to pay that amount. But because of this my loan process is under hold. So please forward me the details for payment so i can pay the same. My control no. is 38, 56, 57, 299
my contact no . [protected]
Emai [protected]@gmail.com

Two Wheeler Loan — Defaulter

Hi..

I am sunil kanth ICICI Bank have financed me for the two wheeler loan..
Aggrement No :-LTHYD[protected]
I have given cheques and it was ECS with Bank of Baroda.every month i was paying the amount properly.
unfortunately the bank have deducted amount from the account..that i dint knew..and the cheque was bounced..i havent got any information from the bank reg che bounce..it continued to 3 months..
suddenly the Executive came and seized the bike...with in a week i ahve paid the total due amount ..and the extra charges...
The bank is unfair to the customers...It has to give information in regular times regarding che bounces and irregular payments...
Now i am in CIBIL list..How can i remove my name from CIBIL..
ICICI is now one of the top banking sector..

Dont take the advantage and make the customers defaulters...You should care for the customers..

Respected Sir,

I have purchased a mediclaim policy from citibank and make payment through citibank card in september. but my details in policy was incorrect so i request citibank customer care saveral times to rectify the same and didn't found any response. On the other side i didn't pay for erroneus policy. In December I have called last time to customer care and asked them to cancel the policy becuase they are unable to rectify the policy. They did the same but didn't gave me 50 % credit of amount they originally charged and send me a statement to pay for the rest. I denied to pay for erroneus policy and said that it was bank's fault not mine. But they still not giving me any credit and threaten me that they will put my name in cibil.

Please help me what do i do.

Lalit Kumar Gulgulia
[protected]@gmail.com

Hay ICICI bank is a crupt bank treat with like that, you need to take unsecured loans and cards from icici bank and don't pay to them. thay can do any thing.

Hi,
I had closed my credit cards by obtaining letter from the banks saying its full and final ssettlement. But after year now my car loan rejected saying there is overdue and the balance is written off it is 0 now . what should i do now?? because the bank details not given i don have any clue where should i go to find solution for this????? how can i remove my name from cibil .i had a due of 73000 and i made settlement of 53000 .shall i pay rest 20000 to remove my name from cibil as its showing written off, due which i m also not able to get credit card .

These banking systems are all in the favour of banks only in each and every step.
You avail a loan they decide THE PRINCIPAL and INTEREST ratio on their own.

You complain to the Custmer Care, nothing is going to happen. All these Banks are sitting happily behind the shield of these call centers. Maximum we can do is keep yelling, shouting, fighting with the call center operators. they take the brunt. Poor call center operator.

Secondly These DSC offices they make the most fool out of you. wrong commitments wrong documentations and even misshandling of cases. Total foul play.

And now this CIBIL they think their credit reporting system will bring about a positive change in the banking arena. Most of their data is malicious. all based on the facts produced by the DSC offices and other agencies. who are already corrupt. MAJORLY into making/handling the case in a way which can give them maximum benefit. and the BECHARA Customer is like a ginny pig. they can treat them / experiment with them their way.
PATHETIC IS THE SITUATION OF THE BANKS...
Sukhvinder Singh

Hello,

I was holding my Barclay Credit card for 1 year. And I am facing lot problems with this bank. And few months back I had made a total payment of which I was supposed to pay. And they don’t have a proper service in Hyderabad. And the agency who has collected my money he has dived into 4 receipts of my to total money (57, 000).

And after making the payment only 2 receipts has updated in my account. And Another 2 receipts are not at updated in my account till know. It’s almost 4 months.

Barclay people are screwing me in making N number of calls in a day. They don’t provide any information regarding this.

And I asked them to come for a final settlement for a long time back. But they don’t respond to my emails are calls. So can you suggest me getting out of this?

Regards,
Abdul

i want know my name is defaulter list or not

My Control No.38, 64, 94, 563
Name : R. Rajagopalan
Type : Personal Loan
Sanctioned : Rs.50, 000/-
Opened : 01.02.1999
Last payment : 20.10.2006
Closed : 20.10.2006
Reported : 31.10.2008

Although I had cleared my PL, still my name is reflecting under settlement list. I would request you to kindly provide me Bank Name & Loan Account No. so that I will be in a position to write to the concerned bank and ask for no due certificate. In this regard, I had already posted my requirement to you two weeks ago but no reply till date. Request you to expedite the same at the earliest.

CIBIL — CREDIT BUREAU HISTORY

I had been applying for Credit Cards in certain banks (Standard Chartered Bank - more than twice, Deutche Bank, ICICI Bank) after getting calls through their agents. And after giving all the documents like copy of PAN card, Voter ID card etc. and filling up their forms I get a reply after about two weeks stating that
" we are unable to offer you a Credit Card at this point of time on account of the following reason:
-CIBIL / Credit Bureau history - Does not meet bank norms.

I am yet to know the reason for me not meeting the norms as stated above. When I ask ( both verbally or in writing) the banks they politely avoid giving the reason.

To the best of my knowledge I have never defaulted any payment or done anything because of which I will have a history by which I will not meet the norms for getting Credit Cards which is otherwise so freely distributed by the banks. I am really surprised and I hope that I can get some justice through you.

With Regards.

Mr. Patni,

You kindly put a mail to [protected]@cibil.com alongwith the CONTROL NO.

Your query will be resolved within 4-5 working days.

For more assistance you may write me directly.

Regards
K Rajneesh
Head
INDIAN CONSULTANT GROUP
( Expert in Banking Grievances & disputes )
Email : [protected]@indianconsultantgroup.com
visit us : www.indianconsultantgroup.com
" Please don't print e-mails unless you really need to. Save Trees - Save Environment "

I have taken an Educatioanl Loan from SBI (LOAN aMOUNT 91, 000/- -Loan Account NUMBER [protected]).We had a little time lapse FOR PAYING BACK THE LOAN...BUT WE GOT A NO LIABILITY CERTIFICATE...STILL THEY HAVE ENLISTED MY NAME IN CIBIL...AND FORWARDED THE SAME...EVEN AFTER SEVERAL MAILS TO THE BANK...THEY ARE NOT READY TO GET MY NAME OUT OF IT.I AMGETTING REALLY HUMILIATED WHEN I APPLY FOR CREDIT CARDS.AFTER THE HARD STUDY WHEN I AM WORKING AND STAYING AWAY FROM HOME I NEED A CREDIT CARD FOR BACKUP...BUT THE BANKS ARE NOT ISSUING ME THE CARD DUE TO MY NAME IN CIBIL...SHOAIB([protected])

fight

CIBIL should be penalised for not allowing individuals access to their own reports.

http://www.salian.in/money/finance/is-cibil-depriving-indian-consumers-of-their-...⇄

That is very much true.CIBIEL Is trying to copy CBR (Credit Bureau Report) working under FCRA (Fedral Credit Reporting Agency) in U.S.A but is not complying to the rules and regulations of the Indian law also the human rights have been shattered as i would term it under the section of consumer harrasment.
Without notification of the default incidence to the consumer the credit companies are reporting it to cibiel with the thought of getting their money back as it is high harrasment threat to the consumer.Also the consumer has no access to the same and is very humiliating to get to know when you apply for a loan and your application is rejected due to your name on the Credit reporting agency when you have proofs of the loan being paid off completely.
I was humiliated the same way when i applied for a car loan through SBI and the case was rejected due to loans appearing on cibil.
I have the proofs of those loans already paid off in full without even a single payment default.
Neither the bank nor any agency has any rights to humiliate or harrass any individuals self respect.
Not Paying back any debt on time is not a crime on top of that the humiliating collection calls that people still report are horrible.
I suspect if any strict and consumer friendly action is not taken there would be no business for the creditors and the existing ones would suicide with the increasing collection activity pressure.

Dear Sir,

I am unable to get the reason for not being issued a Credit Card from Standard Chartered Bank.

They simply mention that my name is mentioned in CIBIL. Could you please help me to get a complete details on this.

Thank you
Sivakumar K