[Resolved]  CIBIL — defaulter classification

I have seen the complaints lodged here and many of these match with my own experience. It appears that most of the complaints pertain to either Citibank or ICICI Bank. This itself makes you think! I am myself suffering at the hands of Citibank. Some years ago I had taken a loan on my itibank card. I had been paying the EMis regularly till 2008 when due to a sudden slump in business I culd not pay the EMIs in time. Subesquently in 2008 when my position improved I approached Citibank and requested them to re-schedule my loan. Citibank readily agreed to do so and converted the entire loan amount into fresh EMIs (which are being debited to my bank account regularly every month for the last on year, with another year to go). At that time I had also asked Citibank to remove all the unnecessary charges and costs debited to my card till then. Citibank said they couldn't do so but instead offered me 'Interest-free' EMIs for the total amount due. I accepted the proposal.

Recently when I applied with HDFC for a housing loan, HDFC turned down my request saying my name was on CIBIL. To my shock i discovered that Citibank had notified to CIBIL the amount of interest on EMIs written off by them.

If I had been told about this by Citibank officials earlier, I would have paid the interest also. This reporting to CIBIL has been done by Citibank arbitrarily and has hurt me very badly. Now when I approach them, the Citibank people tell me indifferently that they cannot reverse the reporting done to CIBIL. It appears that I cannot get any loan from any Bank in my life! What do I do now? Who can help me?

Dear sir,
My name is narinder kumar gupta.I had a credit card of HDFC bank bearing no.[protected].the bank debited to my account wrongly late payment charges.
after many complants to the bank i settled to my account with the bank with paying rs.1500/-without any actuall due balance to me but for the sake of my goodwill towards the bank.today i shocked to know that i am in a defaulters list.
i would like to know that how can i remove my name from this list, is there any solution sir, please tell me what to do.
thanks & regards

hi sir/madam,
i have an issue i have credit card with ing vysya they also provided loan 1, 80, 000rs on 30 months of e.m.i 8506 which i almost paid 20 months from last 2 months i am nt be able to make my payment due to some reason and i also finish my credit limit it is on now days ---negative so i got call from my behlaf of bank they are telling me i[censored] will nt make payment it is spoiling the cibil score also so plz make the payment and i really want 2 make my payemnt bcuz almost near over from loan only 4 months left so plz let me knw if i ll make the whole payment on the feb so it will really effect my cibil score or nt..

your regard
narender singh.

Banks are harassing the common man by
1 Charging very high rate of interest on credit cards
2 By defrauding their customers & threatning to list their name in defaulters list if the consumers are unable to pay.
3 Its a clique of CIBIL & banks & the hapless consumer can't do much against the might of these institutions.

the consumers should be given prior information before listing them as defaulters as this is a one sided story i.e. of the bank the priciple of natural justice demands that before classifying anybody as a defaulter He/She should be given a fare chance to convey his side of the story. thus CIBIL is biased & should either follow proper norms or the Govt should disband it to protect the consumers.

Dear Sir,
I have applied for car loan in kotak mahindra bank, kanpur. but i got a report from bank that i have taken already loans . but the documents which i got that is showing name is rajesh kumar mishra & date of birth is right but pan card number & voter id card no.& address is wrong.
kindly send correct report & also send complete details that who has taken these loans ( including bank name & address as well as persons deatails.
thaking you waiting for reply
Rajesh Kumar Mishra
control no.[protected]

Hi,

Recently I rejected a personal loan offered by Fullerton India due to high interest. And now they have added me in CIBIL stating that personal loan was not approved for me. This is a nasty thing a Fullerton India bank can do to its customer. Now, how do I remove my name from CIBIL. It looks ridiculous and irrtating.
Can the government step inside to stop this nuisance of CIBIL, since it is going haywire without any proper control and guideance and no transperancy to the consumers.

Regards,
Benjamin Mark K

even after settling the amounts how can be the CIBIL shows the mode of payments... when the bank itself provides Settlement letter, it has to remove the name in their defaulters list... and the bussiness of any organisation should be in the legal manner... and we have to fight for the Indian citizens.

Hello Sir..

I Would like to know for House loans rejection. the bank people said that my work place was block listed that is why rejecteing the loan they said.can you help me that how to know the block listed Company for housing loans. Please do me Favour.

Thank you

CIBIL — Wrong Entry

I have applied Axis Personal Loan. They have said that CIBIL score is low to provide the loan.Only beacuse of 2 wrong credit card entries.How can i delete those entries from CIBIL.

I have personel with HSBC since Sep, 2007 for Rs.2, 00, 000.I am paying my emi regularely without any delay.I am having Creadit card of HSBC & CITI Bank.Now i was applied for another creadit card of Kotak Mahindra, it was rejected.So i want know whether my name is appearing CIBIL defaulters list, if Yes, kindly tell what is the reason for this.

I have applied L.I.C.Housing Loan. They have said that CIBIL score is low to provide the loan.Only beacuse of 2 wrong credit card & Auto Loan entries.How can i delete those entries from CIBIL.

I have applied L.I.C.Housing Loan Counter No.[protected]. They have said that CIBIL score is low to provide the loan.Only beacuse of 2 wrong credit card & Auto Loan entries.How can i delete those entries from CIBIL.

Dear Sir,
I totally agree with the complaints given by some of the collegues, This is to bring to your kind notice that i have been approching the banks for housing loan for the last 6 months, but none of the banks have approved, only because of the cibil report citing one credit card of ICICI bank which is showing me a defaulter, as iam

Dear Sir,
I have been harassed by the cibil only because of one of the cards(icici bank card) which i hold was not paid for period 5 months last year due to non receipt of statement fr
om them however on receipt of the statement finally when i persued this matter with their mumbai office they sent me their e -statement subsequent on receiving the statement i have made 50% payment and requested them if i pay the balance full amount whether they will revive the card, which was refused by the bank, finally they informed me that i could only settle the account once for all, which i have duly closed, however i have been harrassed and refused by banks saying that I cannot get the housing loan due to refusal by cibil citing the issues with the icici bank, which i think is rediculous as i my track record on my savings bank account is good over period of 4 years and i have no other issues with the other cards ( HSBC and HDFC Bank cards) which i still use, hence i request the bankers(icici) to instruct cibil that the acccounts have been settled.

Dear Sir

I have applied for credit card in Bank Of Rajastan Ltd. My application id
declined due to CIBIL bed match. Given match is not belong to me.Address
details is different. Given address is my parmanent address. Address given
by me is different with avialabe match. My father name is Hamunam Prasad
Kumawat not prem chand kumawat. Kindly request you to please remove above
mentioned match from my CIBIL report.

i am not icici bank castumor
MY NAME KAILASH CHAND KUMAWAT S/O HANUMAN PARSAD KUMAWAT I AM NOT icici castumor
YOUR CASTUMOR NAME IS KAILASH CHAND KUMAWAT S/O PREM CHAND KUMAWAT LOAN A/C NO IS LTJAI[protected]


CONTROL NO.[protected]
regards
kailash chand kumawat
[protected]

CIBIL — Unaccountable to even the GoI- if there one exists

CIBIL- What does this acronymn mean. They are a power to themselves. Next time any terrorist come knocking all Indians have to direct them to the CIBIL headquarters wherever they are located as they are a secret to themselves. They care a hoot to this Government of India- of course if there was one! The RBI and all other banks sit together and make there own laws- the great western laws as it was in the wild lands of the west. These ba****ds should taste the terrorists very soon or the home grown Naxals as they also sit and make their own laws unlike in a democracy. If there was a regulatory body- forget Reddy's RBI this is a home grown instituton of the Congress since the last 6-7 years they would have stepped in and solved everyones problem with these banks- however in the present circumstances it is only wishful thinking of one and all. GO TO HELL RBI AND YOUR CIBIL= REAL BA****DS UNWORHTY TO WRITE OR TALK ABOUT.

Every citizen has a right to see what has happened in there life, but in cibil we cant view our names directly in cibil.As now a days Bankers has appointed Rudely talking people & they talk very rudely.
So, cibil is not a better management Service to the citizens.so any govt.agencies has the right to seek justice.

Regards,
Md zameer

never take any loan in any bank but still my name is in defaulter list made by cibil, i dont knw what ot do now???? where should i launch my complaints???

You are listed me as a Defaulter, Now I want to clear that I am not a defaulter, beacuse I was cleared all my credit card payment through settlement with the bank.
So please check and remove my name in your dafaulter list. Its creating problem in my personal life.
I want to clear a another matter also that I am only a nominee of my brother's car loan, and all EMI's has been paying by my brother's account for the last three years. I want a clarification from your side that why you are listed me in your defaulter list. I want to clear this issue as soon as possible. kindly co-operate with me on both matters.