[Resolved]  CIBIL — defaulter classification

Pl send the list of defaulter

Hi
My name is Deepak Sharma i have settled all my outstanding & i realised that my name features in CIBIL list. Since i got no response from even cibil even after writing to them for clarifications. I am looking forward for some sort of justification if my name is reflecting on the defaulters list.

I am sure it happens with regular customer who face this problem even after clearing all pending dues. Its better not to pay & remain in defaulters list. This is the message which is spreading like fire in the forest. The banks should clearly mention in their settlement letter this that further it would not forward the name in defaulters list.

FYI - Regard Deepak Sharma

Dear Sirs,

I have been a victim of CIBIL and banker highhandedness but decided not to take this lying down. here is what i did to improve my cibil records. the CIBIL is not a public enterprise yet behaves as one. some one needs to bring them down and file a PIL against them

As a background I had a dispute of a transaction with a bank credit card. this continued for 8 years and they finally closed the account since they were unable to answer my letters (they had not delivered the credit card to me and yet charged me for using it). upon closing the account, they malafiedly updated my cibil records to show this as written off overdue amount.

All my loan and new card applications started to be declined and then I realized what had happened. I could not afford these credit issues so I decided to settle with the credit card bank (despite them having closed the account) and under protest so as to clear my name in CIBIL. I asked them for a settlement proposal. they asked me to pay 30k towards the alleged 1.5 lacs (including interest that had accrued).

1. After I settled my dues with the credit card company, I pursed them for two months both on the phone, email and written letters every few days to update my CIBIL records. They finally stopped answering my calls and still did neither zeroize the account nro udpated CIBIL. infact I restarted receving credit card statements again with interest and service charged accruing once again

2. I lodged an FIR agains the bank and the guy who had proposed the settlement stating cheating fraud etc. and not delivering what they promised in their own proposal despite my depositing the cash.

3. I lodged a complaint with RBI

4. I lodged a complaint with RBI ombudsman - www.bankingombudsman.rbi.org.in and followed up repeatedly for about 2 months . finally this settlement made around nov 08 showed strains and BO rbi invited me for a meeting with the bankers in March 2009 after 3-5 months of this issue.

5. the bankers stated in the meeting that typically they mention Written OFF as the cibil status on all settled accounts, the RBI OB almost slammed the banker and said this was wrong and they need to mention that the account has been settled and also remove my name from all defaulter lists such as MCNF . they are also to provide a zeroized statement withen 1 month of the meeting

beware that the peons at the RBI BO are in deep pockets with teh bankers and they will dissuade you from attending the meeting stating that your cibil report is as it should be after settlement "written off". donot accept that and meet the secretary and the cheif of BO and state your issue.

you WILL be avenged as BO might levy penalties as well against the bankers

TAGS: HSBC, credit card, CIBIL, RBI banking ombudsman, defaulter, written off, settlement

Dear sir,

I am in a personal financial problem for past 4 yrs, so I connot pay my dues for 4 yrs, so i want know my credit report please do the needful

To CIBIL,
RESPECTED SIR/MAM.

SUB : KINDLY REPAY MY EXCESS EMI AGAINST LONE NO:[protected]

RESPECTED SIR,


I SANJEEV KAPUR, RESSIDING AT 30/72, WEST PUNJABI BABH, NEWDELHI-110026, WOULD LIKE TO BRING TO YOUR NOTICE THAT AN EXTRA EMI OF AMOUNT RS6900 HAS BEEN TAKEN BY YOUR BARCLAYS BANK AND HAS BEEN TRANSFERED TO ACCOUNT NO:[protected] BY A CHEQUE NO: 934877 OF CANARA BANK, BRANCH KESHAV PURAM, DELHI 110035, ON 3/12/2008. AGAINST A PERSONAL LOAN NO:[protected].OUR ACTUAL EMI IS OF RS 5975 AND ARE PAID ON TINE ON THE 5TH OF EVERY MOUNTH.WE HAVE GIVEN YOU 10 BLANK CHEQUES IN ADVENVE SERIAL NO: 934877, 934878, 934879, 934880, 934881, 934882, 934883, 934884, 934885, 934886.
WE HAVE BEEN SENDING YOU THE REMINDERS CONTINUOUSLY SINCE 13 TH DECEMBER /2008 BUT NO ACTION HAS BEEN TAKEN AGAINST THIS MATTER.

I WOULD LIKE YOU TO LOOK INTO THE MATTER AND PLEASE RETURN MY MONEY AMOUNT RS6900 AS SOON AS POSIBLE. OTHERVISE I WOULD BE TAKNG FURTHER LEGAL ACTION.

THANKING YOU.




Yours truly,

SANJEEV KAPUR,
30/72,
WEST PUNJABI BAGH,
NEW DELHI – 110026.

dear sir
my name is vipin kumar tiwari from kanpur my control number is[protected] and the cibil report show as defaulter of city bank but no any lane has taken to this bank and i am sending first mail to cibil oy bank and the bank toald to me that i am not sending any data to cibil but problem is at istis . i was informed that even if i settle this amount with citibank, there is no surety that cibil will remove my name from defaulters list.

dear sir,
Iavailed a personal loan in icici loan no; LIKRR[protected] .i closed my account on 12 03.2009
also i received NOC from icici.but in cibil that shows .there is pending in my account.
please check my account and kindly remove my name from the defaulter list.
thanking you.
K.RAVI
DOB; 22.03.1962.

http://groups.google.co.in/group/cibil-is-gun-of-credit-card-companies

my name is digpal singh rathore applied for car loan in tata finance limited. my name is reflected in cibil list. the cibil list is not disclosing the details regarding the credit card no. & from which bank that credit card is taken. kindly help me to know the detail regarding my credit card no. & detail of bank. my details are as under:-

membership id :- NB66221011
NAME:- DIGPAL SINGH RATHORE
DATE OF BIRTH :[protected]
PAN NO. - AFKPR2786M

KINDLY SEND THE FULL DETAILS AS SOON AS POSSIBLE.

THAKING YOU

DIGPAL SINGH RATHORE

I WANT TO CHECK IF MY NAME IS THERE IN THE CIBIL LIST OR NO..CAN ANYONE HELP ME PLEASE...

KINDLY CONTACT ME ON [protected]@gmail.com

Hello Team,

Please let me know if my name exists in CIBIL.

Regards,
TASLEEM

Currently I am holding 4 to 5 banks credit cards, and 3 of them are having disputes regarding payment. I have paid all money of my transactions but due to banks' mistakes and malpractices late payment were charged that I refuse to pay. Although I clearly mentioned to them that I am not going to pay late charges due to thier mistakes, they still keep on charging interests on late payment and are compounding them when actually there is not even a single rupee transaction and are demanding payments. When I refused, they are threatening me about CIBIL. Please suggest me any idea to get rid of them without spoiling my credit history. I have other banks' credit card and personal which are fine and they are running smoothly, will it still affect my credit history.

Also is there any way in which we can post reasons or comments on our status.

I would also like to know consumer court in Pune where I can sue these banks and how much time it will take for the whole process until and how convenient it is since I am doing 10 to 6 job at outskirts of city and any goverment official areas are around 20 to 25 km from here.


Regards,
Tajammul
[protected]@hotmail.com

I am the holder of Std bank gold debit card and the cheque book, initially when applying for the card, I also applied for the revolving credit and the transfering my home loans. Unfortunately the home loan did not materialise, but I got the revolving loan for R75k. The other conditions was tha I will transfer my salary into this account.Unfortunaley this did not happen because of failure to obtain the home loan and other work related issues. I kept the cheque account and always putting money in that account. The amount was getting consumed by the cheque account, and I sometimes pay staright into the loan account, until I got a call from std bank telling me I must deposit money staright into the revolving credit, I need to deposit straight into the cheque account. Mentioned my story that i do not use the account any more but want to transfer my debot order into my other bank's account where my salary is being paid. I was told I cannot do that. Went ot one of the branches, enquire, told that all the other facilities will be taken out and I must continue put money into chque acc. Only to find tha the money was not going into the revolving acc. being told I cannot cancel account. Account 25 041 554

s v sathishkumar
D.O.B[protected]

To
CIBIL

Respected sir,
I had drawn amount of Rs.70000.00 & second time Rs.49000.00, (Barclay Bank) with in 6 months I had pay amount of Rs.125000.00 (excess amount of Rs.6000.00) I ask to my full statement (written letter) but Barclay bank not give the proper responsiable. And also Barclay Bank inform to CIBIL wrong information. many more phone calls from collection department they added penal interest & late payment fees much more, Please helpme to remove defulters list

s v sathish kumar
D.O.B.[protected]

To
CIBIL

Respected sir,
I had apply Standard Charted bank Credit Card past 20 days. but that application rejected, reason of CIBIL defulters list, I doknow how is possiable. Please make refer to us as early

s v sathish kumar
D.O.B 29 july 1973


To
CIBIL

Respected sir,

It is sumitted that, I came to know that my name has included in the CIBIL for reason of non-performance in repayment of loan amount.

I submit that, as of now I am not outstanding to any bank since I have paid the entire dues regularly without any default.

I further submit, that I come to Know about the inclusiion of my name in CIBIL when I apporached loan from a Pvt Bank and It is snocking to me when I am not due to any Bank due When I am in regular payment of dues. Some Bank would have mistakenly included my name as a non-performance in CIBIL
which is illegal and it would deprive my legitimate right of borrowing money for devolopment Business.

Therefore under the above circumstance it is requested your Investigation Buearu to give me particulars of the Bank who have referred my name into the CIBIL. So thant I may rectify the same.

More over I am send message 3 times, But I am not received reply at once

Hi,
I had closed my credit cards by obtaining letter from the banks saying its full and final ssettlement. But now my personal loan rejected saying there is overdue and the balance is written off . 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?????

Dear sir,
I am taking housing loan from SBI, but i got some information that CIBIL report is showing me as a defaulter in auto loan.
I need all details and account regarding that auto loan, so that I could contact my respective bank.
My control no is 39, 57, 41, 609

With regards

Vibha Parashar

DEAR SIR,

I USED TO HAVE A CREDIT CARD WITH ICICI BANK FOR LONG TIME BUT SETTLED DOWN BECAUSE OF THEIR MISGUIDENCE & MISCOMMITMENT WHICH GAVE RISE TO INTEREST & LATE PAYMENT FEES & AGAIN INTEREST ON LATE PAYMENT AMOUNT.SEVERAL REQUEST MADE TO THE BANK BY ME TO CLOSE MY CARD AND ACCEPT THE BALANCE DUES, BUT BANK WAS ONLY INTERESTED TO ACCEPT THE MINIMUM DUES AND IN JAN 09 I HAVE SETTLED MY CARD AT BANK PLACE WITH AN AMOUNT OF Rs 10, 000.WHICH WAS DEMANDED BY THE BANK & PROVIDED ME NO DUES LETTER FROM THEIR END.

FEW DAYS BACK I HAVE APPLIED PERSONAL LOAN FROM CITY FINANCIAL WHICH HAS BEEN REJECTED BECAUSE OF MY NAME REFLECTED IN CIBIL SITES.

SIR, NOW MY POINT IS, EVEN AFTER SETTLING THE AMOUNT OF MY CARD AND RECIEVED 'NOC' THEN WHY MY PROFILE SHOWS NEGETIVE IN CIBIL OR RATHER WHY OTHER BANK ARE GETTING CONVINCED BY THE REPORT OF CIBIL.

IF THE NO DUES CERTIFICATE OF ICICI BANK DOES NOT GIVES VALUE TO OTHER BANK THEN WHAT IS POINT OF MAKING SETTLEMENT.I HAD P/L WITH ICICI, HDFC & EVEN WITH CITY FIN AND NEVE AND SO HAD ANY BAD PAYMENT RECORD.HOW COME A CIBIL SITE CAN RUINED A PERSON PROFILE THROUGHOUT HIS LIFE & HOW COULD IT BE A ONE SIDED JUDGEMENT & .IS IT THE PUNISHMENT WE ARE PAID FOR GIVING MONEY TO THE BANK.

AS AN INDIAN NATIONAL WE NEED RESQUE FROM SUCH HARRASMENT BECAUSE DEFAULT IS A TEMPORARY FACTOR WHICH CANNOT DESTROY THE ENTIRE LIFE OF A PERSON WHOSE ALL OTHER RPOFILE SHOWS EXCELLENT TRACK.

ANTICIPATING TO WITHDRAW MY NAME FROM CIBIL AT EARLIEST,

S.ROY
[protected]

joint loan — not taken loan but shows loan taken

I have no a/c with hdfc and I have not taken any loan but CIBIL report shows that I have taken Rs, 8, 00, 000/ from hdfc bank and the A/C NOis 3228449 and the current outstanding is Rs 6, 72, 846 for my hHOME LOAN FILE HANGED BY MY BANK S.B.I. BURDWAN BRANCH. and RM give me a letter and tell me to give them the details OF THE LOAN A/C OF HDFC BANK