[Resolved] CIBIL — defaulter classification | |
cibil has classified me as a defaulter on the complaint of citibank which was settled long back in 1997. amount is just 12000. 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 citibank, there is no surety that cibil will remove my name from defaulters list. i am a victim o[censored]njustified business practices of this foreign bank for which cibil is a accomplice.what is the remedy iam having. Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved customer support has been notified about the posted complaint. | |
 264 Comments | |
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CIBIL — Usage of CIBIL reports
I understand that a credit reporting agency is essential for a good lending economy. That is the reason countries like the US and UK have such agencies working under government sanction. But these reports need to be used to improve a person's credit rating and not to undermine or underprove a person's economic capabilities.Since 2001, i have used 6 to 7 credit cards. Of which, i have settled one card (ICICI bank) and the rest of the cards have been paid off in full (ABN AMRO, HDFC, SBI). I have returned one card (Manhattan) the day i received it. I have personally called all the above mentioned banks and had the accounts cancelled. I also had a personal loan from HDFC bank which has also been paid off in full.
Dear Sir,
I had a ICICI credit card which I never used and ICICI had activated VISA bill pay for my mobile no which I was not using by them self with out my knowledge and have made the payment for that. I came to know when I received the credit card bill.
I called up ICICI several times to confirm how this has happened and they said I had agreed for activating VISA bill pay and they are having a voice record for the same. When I asked to provide that I voice record they came back saying that they cannot provide this detail.
Later on I have made the payment of 7654.00 and took a full and final settlement receipt from ICICI bank. Now I am applying for personal loan and it is getting rejected twice from AXIS bank saying Adverse Banking History.
Please let me know how to remove my name from the CIBIL defaulter list.
Thank You.
I had a ICICI credit card which I never used and ICICI had activated VISA bill pay for my mobile no which I was not using by them self with out my knowledge and have made the payment for that. I came to know when I received the credit card bill.
I called up ICICI several times to confirm how this has happened and they said I had agreed for activating VISA bill pay and they are having a voice record for the same. When I asked to provide that I voice record they came back saying that they cannot provide this detail.
Later on I have made the payment of 7654.00 and took a full and final settlement receipt from ICICI bank. Now I am applying for personal loan and it is getting rejected twice from AXIS bank saying Adverse Banking History.
Please let me know how to remove my name from the CIBIL defaulter list.
Thank You.
`my name defaulter list check
Name :Santoshkumar Ram Sonawane
Date of Birth 25 Nov 1976
Residence 02/Ramashray CHS
Plot No 21 Sector 19 Opp DMart
Nerul Navi Mumbai
Contact No 27702256
Mob No [protected] C/o [protected]
PAN AVYPS0194C
Control No 39, 82, 24, 953
Pl furnish creit report dated 30/04/2009 about credit card default of Rs25752 written off
Credit Card opened on dated[protected]f
Pl furnish Credit Card Member Name and Account Number and branch name or otherwise
report SBI Thane branch deviation as condoned
early reply will be appreciated
thanking you
yours' faithfully
santoshkumar ram sonawane
Date of Birth 25 Nov 1976
Residence 02/Ramashray CHS
Plot No 21 Sector 19 Opp DMart
Nerul Navi Mumbai
Contact No 27702256
Mob No [protected] C/o [protected]
PAN AVYPS0194C
Control No 39, 82, 24, 953
Pl furnish creit report dated 30/04/2009 about credit card default of Rs25752 written off
Credit Card opened on dated[protected]f
Pl furnish Credit Card Member Name and Account Number and branch name or otherwise
report SBI Thane branch deviation as condoned
early reply will be appreciated
thanking you
yours' faithfully
santoshkumar ram sonawane
sir,
first of all pl. let me know why name is appearing in cibil list as i have never default any loan or any dues.
i hv applied for car loan in a nationalise bank, and my loan was rejected due to above reason. can u pl give me detail of the default as bank manager was not able to provide me the same. in my life i hv never default even a single emi or any other dues. pl clerify me soon. for any further detail pl mail me.
now last but not least, what abt the banks which cheats consumers?
CASE: i hd credit card of hsbc bearing no.[protected]. i made payment of rs 2500/- by chq and the same cheque was not presented by bank as date was not there on chq as per bank tolt me on phone which was lie. after gap of some months, dispute arise due to some reason for the payment of another bill and bank threatened me that my name will be sent to CIBIL so i made the payment. and bank too deposited my previous chq of rs. 2500/- on dec 07 ie. after 15 days of payment which is excess. i closed my same credit card but still strugling to get refund from last even after regular complaints. NOW IF CIBIL REALLY WORKS, PL HELP ME REFUND MY PAYMENT WITH INTEREST. PL REPLY
first of all pl. let me know why name is appearing in cibil list as i have never default any loan or any dues.
i hv applied for car loan in a nationalise bank, and my loan was rejected due to above reason. can u pl give me detail of the default as bank manager was not able to provide me the same. in my life i hv never default even a single emi or any other dues. pl clerify me soon. for any further detail pl mail me.
now last but not least, what abt the banks which cheats consumers?
CASE: i hd credit card of hsbc bearing no.[protected]. i made payment of rs 2500/- by chq and the same cheque was not presented by bank as date was not there on chq as per bank tolt me on phone which was lie. after gap of some months, dispute arise due to some reason for the payment of another bill and bank threatened me that my name will be sent to CIBIL so i made the payment. and bank too deposited my previous chq of rs. 2500/- on dec 07 ie. after 15 days of payment which is excess. i closed my same credit card but still strugling to get refund from last even after regular complaints. NOW IF CIBIL REALLY WORKS, PL HELP ME REFUND MY PAYMENT WITH INTEREST. PL REPLY
CIBIL
I had applied for a loan form so many banks, but the same was rejected due to CIBIL report. According to CIBIL I have some credit card amount written off in my account; I do not own a single credit card. I asked CIBIL to give me details of the credit card company so that the issue can be sorted...
I had applied for a loan form so many banks, but the same was rejected due to CIBIL report. According to CIBIL I have some credit card amount written off in my account; I do not own a single credit card. I asked CIBIL to give me details of the credit card company so that the issue can be sorted...
Dear Sir,
I have possessed the HSBC credit card from more than 2 years. After using the credit card I did not get any mails from HSBC regarding my payments. I paid only when their collection agents call me. I had to know about the payment only when they call me. I had paid the amount they asked(collection agents) up to more than one year. After that I get to know that they charged late payment fee. Actually I did not pay the pate payment fee, because they did not sent me the bills. I sent few mails to get my bills by email or and SMS to Mobile. But they did not replay well. I had already using 4 other credit cards of CITI, ICICI, SBI and Punjab National Banks. Any others have no issue with me.
Actually I have to pay the amount only 7, 000/- to HSBC. Finally we settle the amount to pay by 3 installments and I already paid 2 installments. HSBC bank says that after settling the amounts my name will be removed from the black list of CIBIL after 6 months. Is it true..???.
Please let me know what will happen?
Thanking You
Denny Varghese A. L.
I have possessed the HSBC credit card from more than 2 years. After using the credit card I did not get any mails from HSBC regarding my payments. I paid only when their collection agents call me. I had to know about the payment only when they call me. I had paid the amount they asked(collection agents) up to more than one year. After that I get to know that they charged late payment fee. Actually I did not pay the pate payment fee, because they did not sent me the bills. I sent few mails to get my bills by email or and SMS to Mobile. But they did not replay well. I had already using 4 other credit cards of CITI, ICICI, SBI and Punjab National Banks. Any others have no issue with me.
Actually I have to pay the amount only 7, 000/- to HSBC. Finally we settle the amount to pay by 3 installments and I already paid 2 installments. HSBC bank says that after settling the amounts my name will be removed from the black list of CIBIL after 6 months. Is it true..???.
Please let me know what will happen?
Thanking You
Denny Varghese A. L.
I am going through a similar experience.After rapying my loans and credit card amount to the banks, my name is still reflecting in Cibil, s defaulter, s list.I am irritated and frustrated by this.Today all these banks(especially the private one, s) are taking the common middle class Indian for a ride.The government is doing nothing about it.
Bajaj Auto Ltd — Name not appearing in voters list
Dear Sir,I have applied for transfer my name (Kishore Ganeshlal Sarvaiye) & my wife name (Sadhana Kishore Sarvaiye) from from Aurangabad west constituency 107 part 175 Sr.No. 825 & 826 to Auranbabad Center constituency 109 part 51.
After inquity, i came to know that my name has been deleted from constituency 107 part 175, but my name is not appeared in voters list of Aurangabad Center constituency 109 part 51.
Kindly look into so that we will not deprived from voting right.
I hope this should be setteled before election, else, i will sue to govt for the same.
pls. send me full information
I HAD APPLIED EDUCATIONAL LOAN {FOR AERONATICAL ENGINEERING COURSE FOR MY SON} IN SBI BANK.(STATUS -REJECTED).BECAUSE OF CIBIL SHOWINGS 3 STATEMENTS
NO.1.CURRENT BLANCE RS.20000/- IS ZERO-THIS IS CORRECT, FROM CHOLAMADALAM DBS
NO.2.OVER DUE RS 37, 110/-.{CITIFINANCIAL} ALREADY I HAVE CLOSED LOAN ON 14/03/2007.
NO 3.SHOWING OVERDUE OF RS.38772/- {PRIME FINANCIAL} STATUS -WRITTEN OFF - I DISAGREE WITH THIS STATEMENT, OPEN DATE[protected], MY EMI WAS REGULAR PAID & FOR THE PERIOD OF 4 MONTH STOP DUE TO MY HUSBAND'S ACCIDENT, WAS IN COMA (NIMANS) BANGALORE.THIS I WANT TO INFORM I WENT TO PRIME FINANCIAL OFFICE, FOUND THAT OFFICE WAS SHIFTED WITHOT ANY INTIMATION. THEN I HAVE WRITTEN A LETTER WITH MY ADDRESS & MOBIL PHONE NUMBER TO PRIME FINANCIAL HEAD OFFICE, MUMBAI ABOUT MY STATUS TO EXTENT MY TIME LIMIT & REQUESTED THAT WITH FULL & FINANAL SETTELMENT WILL BE DONE SOON. NO REPLY FROM PRIME FINANCIAL MUMBAI { I HAVE ALL PROOF} STILL AS I PROMISED I HAVE SENT A SBI CHEQUE NO.076899 OF RS.10000/- TO PRIME FINANCIAL HEAD OFFICE, MUMBAI BY COURIER {HAVE PROOF} STILL NO REPLY FROM THIS FINANCE COMPANY. NOW COULD YOU PLEASE TELL MY STATUS, ABSOLUTELY THIS IS NOT MY FAULT. NO OTHER LOANS I HAVE TILL DATE.
FOR YOUR KIND INFORMATION PLEASE TAKE ACTION IMMEDIATELY & PLEASE SEND NOC TO SBP-SBI, ST.MARKS ROAD BRANCH, BANGALORE. SANCTION THE EDUCATION LOAN.
MY SON'S COLLEAGE HAS BEEN STATED ALREADY.
NAME:USHA RANI T,
MY SON NAME :SANATH A
ADDRESS:# 5 's' STREET, LANGFORD TOWN ROAD CROSS,
SHANTHINAGAR, BANGALORE -560 027.
MY SBI A/C.NO:[protected]
PAN NO:AASPU3603P
MOBILE NO:[protected],
OFFICE ADDRESS:INDIA INTERNATIONAL SCHOOL, 26/1, CHIKKA BELLANDUR, CARMELRAM POST, SARJAPUR ROAD, BANGALORE -560-035
OFF NO:[protected]/2,
NO.1.CURRENT BLANCE RS.20000/- IS ZERO-THIS IS CORRECT, FROM CHOLAMADALAM DBS
NO.2.OVER DUE RS 37, 110/-.{CITIFINANCIAL} ALREADY I HAVE CLOSED LOAN ON 14/03/2007.
NO 3.SHOWING OVERDUE OF RS.38772/- {PRIME FINANCIAL} STATUS -WRITTEN OFF - I DISAGREE WITH THIS STATEMENT, OPEN DATE[protected], MY EMI WAS REGULAR PAID & FOR THE PERIOD OF 4 MONTH STOP DUE TO MY HUSBAND'S ACCIDENT, WAS IN COMA (NIMANS) BANGALORE.THIS I WANT TO INFORM I WENT TO PRIME FINANCIAL OFFICE, FOUND THAT OFFICE WAS SHIFTED WITHOT ANY INTIMATION. THEN I HAVE WRITTEN A LETTER WITH MY ADDRESS & MOBIL PHONE NUMBER TO PRIME FINANCIAL HEAD OFFICE, MUMBAI ABOUT MY STATUS TO EXTENT MY TIME LIMIT & REQUESTED THAT WITH FULL & FINANAL SETTELMENT WILL BE DONE SOON. NO REPLY FROM PRIME FINANCIAL MUMBAI { I HAVE ALL PROOF} STILL AS I PROMISED I HAVE SENT A SBI CHEQUE NO.076899 OF RS.10000/- TO PRIME FINANCIAL HEAD OFFICE, MUMBAI BY COURIER {HAVE PROOF} STILL NO REPLY FROM THIS FINANCE COMPANY. NOW COULD YOU PLEASE TELL MY STATUS, ABSOLUTELY THIS IS NOT MY FAULT. NO OTHER LOANS I HAVE TILL DATE.
FOR YOUR KIND INFORMATION PLEASE TAKE ACTION IMMEDIATELY & PLEASE SEND NOC TO SBP-SBI, ST.MARKS ROAD BRANCH, BANGALORE. SANCTION THE EDUCATION LOAN.
MY SON'S COLLEAGE HAS BEEN STATED ALREADY.
NAME:USHA RANI T,
MY SON NAME :SANATH A
ADDRESS:# 5 's' STREET, LANGFORD TOWN ROAD CROSS,
SHANTHINAGAR, BANGALORE -560 027.
MY SBI A/C.NO:[protected]
PAN NO:AASPU3603P
MOBILE NO:[protected],
OFFICE ADDRESS:INDIA INTERNATIONAL SCHOOL, 26/1, CHIKKA BELLANDUR, CARMELRAM POST, SARJAPUR ROAD, BANGALORE -560-035
OFF NO:[protected]/2,
I had a loan of Rs. 8000/- to be given to American Express Bank Ltd. way back in the year 2006. I had settled the loan in the year 2007. To my astonishment, I had been rated as a defaulter by CIBIL and American Express Bank. I have not cheated or made any fraud with the bank. Can anybody guide me through this problem?
I applied for an Auto Loan with HDFC Bank, they have dis-aproved my loan mentioning that I have 11 bouncing in Auto Loan. But uteer surprise to mention that i have never taken such loan from any bank.
As to mention that we already have 2 vehicles financed from the same bank 1 on my mothers name and another on my sister in laws name and the EMI are going good the so called Track is excellent.
I had a pre approved loan case of Rs 15 L.
But still they have dis approved my loan.
Banks have a policy to loose customer i have my personal savings which are there in to the liquid money in terms of Fixed deposit and so on...
I am Sorry to mention that banks have a nature of chaeting the customers that too on the prefferd portfolio of the bank...
As to mention that we already have 2 vehicles financed from the same bank 1 on my mothers name and another on my sister in laws name and the EMI are going good the so called Track is excellent.
I had a pre approved loan case of Rs 15 L.
But still they have dis approved my loan.
Banks have a policy to loose customer i have my personal savings which are there in to the liquid money in terms of Fixed deposit and so on...
I am Sorry to mention that banks have a nature of chaeting the customers that too on the prefferd portfolio of the bank...
Dear sir,
I recently applied for a SBI credit card and they rejected it saying that, according to CIBIL, I dont meet credit card requirement norms. How can I check whether my name is there in CIBIL or not? I need some help in this regards. I am planning to apply my Home loan and at present I have loan a/c in staff capacity in SBI and loan instalment were deducted from my salary regularly. I am not understand where and why my name add in defaulter list of CIBIL. I am working in State Basnk of india Personal Banking Branch 11 sansad marg new delhi-85 as a DEPUTY MANAGER and joined in the Bank in 1982. pls look into the matter
With regards,
MADAN LAL S/O SH SOHAN LAL
R/O HOUSE NO 294 POCKET D-16
SECTOR 3 ROHINI NEW DELHI-110085
PAN CARD NO AABPL8647H
PAN NO OF EMPLOYER- AAACS8577K
TAN NO - DELS23348D
INCOME TAX WARD NO 43(3) ITO MAYUR BHAWAN N D 1
I recently applied for a SBI credit card and they rejected it saying that, according to CIBIL, I dont meet credit card requirement norms. How can I check whether my name is there in CIBIL or not? I need some help in this regards. I am planning to apply my Home loan and at present I have loan a/c in staff capacity in SBI and loan instalment were deducted from my salary regularly. I am not understand where and why my name add in defaulter list of CIBIL. I am working in State Basnk of india Personal Banking Branch 11 sansad marg new delhi-85 as a DEPUTY MANAGER and joined in the Bank in 1982. pls look into the matter
With regards,
MADAN LAL S/O SH SOHAN LAL
R/O HOUSE NO 294 POCKET D-16
SECTOR 3 ROHINI NEW DELHI-110085
PAN CARD NO AABPL8647H
PAN NO OF EMPLOYER- AAACS8577K
TAN NO - DELS23348D
INCOME TAX WARD NO 43(3) ITO MAYUR BHAWAN N D 1
hi..,
This is Raghu from b'lore.I had a misuse of my HSBC credit card worth of Rs 2, 500/- in the year 2008. i have given a complient on that. HSBC bank asked me to bare that amount which i rejected to do. i have given a complient in a police station as well. i just ignored to pay that amount. after a few months, i have applied for a personal loan at HDFC bank, it has got rejected .
The reason is.. CIBIL -ve. I had a big fight with HSBC and finally i got compramise to pay that amount wiht interest (Rs 5300/-). it has been almost 6 months that i cleared that amount. now, Recently i applied for a personal loan again. still again...it has got rejected. i don't have any outstanding with any of the banks. my monthly take home is more that 35k. i have got credit cards with 2 lac aval bal. still i'm not able to get the loan.
This is only because of the CIBIL report.
what is the solution???
This is Raghu from b'lore.I had a misuse of my HSBC credit card worth of Rs 2, 500/- in the year 2008. i have given a complient on that. HSBC bank asked me to bare that amount which i rejected to do. i have given a complient in a police station as well. i just ignored to pay that amount. after a few months, i have applied for a personal loan at HDFC bank, it has got rejected .
The reason is.. CIBIL -ve. I had a big fight with HSBC and finally i got compramise to pay that amount wiht interest (Rs 5300/-). it has been almost 6 months that i cleared that amount. now, Recently i applied for a personal loan again. still again...it has got rejected. i don't have any outstanding with any of the banks. my monthly take home is more that 35k. i have got credit cards with 2 lac aval bal. still i'm not able to get the loan.
This is only because of the CIBIL report.
what is the solution???
very rightly said.
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![Credit Information Bureau India [CIBIL] Phone](/img/bn/phone.svg "Credit Information Bureau India [CIBIL] Phone"){kind=small}
+91 22 6140 4300 [Helpline]
+91 22 6638 4600 [Corp Office]
![Credit Information Bureau India [CIBIL] Website](/img/bn/www.svg "Credit Information Bureau India [CIBIL] Website"){kind=small}
![Credit Information Bureau India [CIBIL] Address](/img/bn/location.svg "Credit Information Bureau India [CIBIL] Address"){kind=small}
Hoechst House, 6th Floor, 193 Backbay Reclamation, Nariman Point, Mumbai, Maharashtra, India - 400021
Is is wise to have a legal case against bank, who has been harassing even after full payment and even after having full and final payment made to them in full through CIBIL??