[Resolved]  CIBIL — defaulter classification

Sir,

Plz provide me a credit information in your system.

Hi

I have applied Personal loan in HDFC Bank in Bangalore on 22 June 2009, I had provided all the documents which they requested. Later my Personal Loan has been rejected, I asked reason for the same, and bankers confirmed that your credit history is not satisfactory as per CIBIL report,

However I requested them for the CIBIL report but they dined to provide CIBIL report.

Kindly help in this regard & awaiting your reply

Regards

Guruprasad A R

PAN NO - AISPG9409K
HDFC loan application No[protected]

I took a housing loan from a bank and cleared it perfectly without any dues. Now when i went for another housing loan the bank refused to give me loan as my name is reflecting in cibil. It was due to the credit card result which was not cleared, as the mistake is on the bank side. So i immediately approached private finance and got my housing loan without any hesitations. Now cibil is doing good for all the private bankers, through which government is losing the money it should get.Otherwise i would have gone for loan with some nationalised bank and cleared my dues correctly with interest. This happened due to the mistake of a credit card banker, who gave wrong information to cibil.

I have also been a victim o[censored]ndue charges made by ICICI Bank on my credit card one year back. That card is closed now and last bill was somewhere around Rs 7000/- . Now i want to know whether my name has been added to CIBIL or not? It is very imp for me as i am going to apply for home loan shortly.

Recently I have taken Car loan from SBI.When they have disbrush my loan, the manager of Disbrushed dept has told me that you are not in good list of CIBIL.I reconfirm with CITI Bank (Since I used to hold CITI Card), they have tld me that I am good customer.But this data has surprised me a lot and I would like to clear it off.

dear sir,

I have informed by the Indusland Bank people that my name Pradip Das is in CIBIL, s defaulters list.
I don, t have any defaulted payment in my name. Just i want to know who made this complaint to
CINIL. So as to contact the person to rectify the same.

If you have any information for proof of my nagative information.
please give me all the details.

with regards

Pradip Das

I am fail to understand that where is CIBIL when bank they screw the customer by their system errors, sorry to say that KASAB brutaly killed the indian citizen, and CIBIL is also doing the same for the foreign banks,

THIS IS THE RIGHT THING YOU ARE DOING
I REALLY APPRECIATE THIS KINDS OF INITIATIVES

dear friend, , ,
even i am a victim of a same kind of case with HDFC bank as i have setteled dat long back but i am receiving there statements and the recovering executive a harrassing me...
Now bank is not granting me loan as my nameis uploaded on CIBIL
thnk u

33333333

I also have the same problem. I also have credit cards of HDFC, CITI, ICICI, SBI, SCB. I have the major issues with HDFC and ICICI bank. I have settled my accounts with these banks and made the full and final payments. I also got the zero balance statements from the bank. But in the CIBIL the status of both the accounts is showing full outstanding. I approached the banks and they have refused to update the status in CIBIL and when approached CIBIL they said they can only update the records upon getting information from the concerned bank. Even ICICI has given me a refund of Rs. 25, 000 stating that I have made the excess payment on this account.

Please let me know what to do now?

My name is on the cibil list even from when I was a student!!! As per CIBIL I have cheated ICICI bank for 5500rs. (ICICI credit card gave me card of 6000rs.limit as per their record.-2007 when I was doing my Diploma) Now I am working in a MNC from 2 years, but due to that problem I am a proudly DEFAULTER. Moreover ICICI bank have taken this money in feb-2008 from my saving account - 23000rs. (ofcourse bank can loot your money if you have done any mistake.)
Now I cant get any credit card, loans etc.
Thanks to CIBIL. WT[censored]

how can i surch my name in defalter list please send me proses
s.r. singh

Dear / Respected Sir,
i was having some banks credit cards some years back but for last many months back, i have made all the settlements with those banks and i am having all the ful & final settlement letters from them. there are no issues from my side. i need to know my presen status in your criteria by those banks as they submited. or please tell me the way how can i be tottally fre from these kinda harrasments. as per todays position, i have applied for a loan transfer for other bank but FEDERAL bank has refused to approve.as i am having all my accounts in SCB for last 3 AND 1/2years aprox and doing good transaction . i need to know the exact reason or other way, how can i be fre from these situations? please guide me properly.
shall be very much thankful to you.

To: [protected]@cibil.com
Date: Saturday, 25 July, 2009, 2:25 PM

RESPECTED SIR/MADAM

MY NAME IS K. RAVICHANDRAN, DATE OF BIRTH : 28.05.1971 MOBILE NO: [protected], [protected] LIVING IN CHINDATRIPET, CHENNAI(.)

ON 2007 I GOT SEVEN BANK'S CREDIT CARD AND I HAVE BEEN RECD SETTLEMENT LETTER FROM ALL THE BANKER'S(.)

BUT 2008 AND NOW 2009 I HAVE APPLIED HOUSING LOAN TO VARIOUS BANK'S AND ALL THE APPLICATION HAS BEEN RETURNED BY THEM AND UNDERSTOOD THAT MY NAME IS IN DEFAULTER LIST IN CIBL (.)

I REQUEST YOU TO KINDLY CHECK WITH YR DATA'S AND INFORM BY WHICH BANK AND BY WHICH BASE THEY PUT ME IN DEFAULTER LIST TO ENABLE THEM TO CONTACT AND SOLVE MY PROBLEM TO GET HOUSING LOAN PL(.)

RGDS: K. RAVICHANDRAN [protected]

I had a credit card that ran overdue, because i had to fund my father's hospitalization. I considered that more important than paying off the credit card. Still i had called them and told them the situation and my financial liabilities.
They promised me a hold on the card interest. I thought good of them. But after 4 months a statement arrived that was thrice the amount due. I called and mailed them to the world's end, but to no avail. Lastly, i had the card settled, though at a much higher price than it should be. I thought that the worse was over. But it seems, my name is the CIBIL defaulter's list, and i cannot get any loans now. I am just 27 now, with dreams to buy a house. But with my name on the list i can never get a loan.

I dont know where to go or what to do. I will be very grateful, if someone could guide me.

Thanks & regards
abhishek das

Ref : HDFC credit card no : [protected]

This is reference to the above credit card I have paid the full & final settelement to HDFC Bank. My settelement no E1.19086, Dated 26-Apr-2008. Now I have applied a Personal loan with HDFC Bank but the Bank are not process the loan because my name is catch in CIBIL list.

You are requested to please remove my name from CIBIL list so that I Can get a personal Loan from HDFC Bank.

Regards
Sambhu Saha
+[protected]

CIBIL — WRONG DETAILS

My wrong details are entered in CIBIL. Need rectification ASAP

Many a times it happens that due to credit card issuing banks and their misleading biz practice consumers are penalized. All banks should check CIBIL but should have the capacity to analyze the record of the customer. If any customer has paid or paying VERY REGULARLY EMIs of PL, CONSUMER LOAN and VEHICLE LOANS or unsecured loans then their credit history should be analyzed separately. They should not be victimized.
IS THERE ANYBODY TO LISTEN?

my wrong details regarding a loan in year 2002 entered please rectify asap