[Resolved]  CIBIL — defaulter classification

i dnt know how to check the name in CIBIL defaulter list.

Kindly do the needfull...

SBI Credit Card — shown as credit defaulter

I had recently approached my Bank for a loan ,while my apllication was being processed the Manager informed me that i was not eligible for the loan as i have a bad credit record and am being shown as a defaulter of SBI Credit card.
I had a SBI credit card in[protected] .I was told then that there would not be annual charges for 3 years.After i had used the card for a year i had received a statement asking me to pay anuual charges.I wrote to SBI immediatly asking them to cancel my card as i was told that there would be no annual charges for 3 years but after completion of a year i was asked to pay charges.I cut the card and posted it with the letter to SBI Credit card division Bombay.

I had never used the card there after.

In 2005 i had received another statement asking me to pay annual charges and penal interest.I called the customer service and told them i was not in posession of a card and was not due.They had told me there would not be any problem,. after this there was no furthur communication till i was informed by BOB Manager that i was listed as a defaulter.
I am outraged.I do not have the credit card number . I had provided all the personal details to the credit card agents to verify my outstanding.They told me the details was sufficient to locate my card and the corresponding credit statement.But i am yet to receive a reply.
.
Now I have complained to sbiombudsman too.They were supposed to reply in 3 days, it is more than 10 days since i had given them my full details and requested them to verify my said outstanding details and for the reason they are holding me as a defaulter.
I hope to receive a clarification from SBI Credit card division

Dear Sir,
I have never ever been defraued to any other banks /financial institutions or neither be any kind of defaulter awarded by any bank or financial institutions. Then so why my name is in cibil site as reported by Barklays Bank when I applied for a personal loan. I am facing lot of problems due to this. Hnece I would request your goodself to kindly remove my name and set me free from all sort of encumbrances so that I my spent civil life.
Thanks
Warm regards
Tara Sankar Banerjee

Our 80 enquary made details as under :-
31 Nos Transection have been shown Ballance 0.00
05 Nos Transection have been shown Over due
Total 41 transection shown un satisfactorirly
But sorry to say that i have not having any loan kindly provid us all details as early as possible otherwise clear our cibil report as ealy as possible and inform us within 7 days with fresh report print if you are not report us within 7 days we will take legal action against you
Name Sheetla Prasad Upadhyay
Our Pan No. AABPU 5141 M
DOB : 01.03.1970

i had applied for a improvement loan with HDFC, they had informed that there is a credit card payment pending aganist my report. i am holding only one credit card from HDFC and the payments are autopay from my HDFC account.
Pls send the details to me at the earliest.
My PAN no: AAKPT0305M & dob:03 11 1955.

Expecting an early replay from your end.

my sbi credit card no [protected], this card fully settelment closed this card, but another bank loan apply, my pan card traceout this card out, complint sbicredit card depmanment, but ur address me complint so clear this card ur side

I have been told by creditors that my name is in the defaulters list of cibil, on account of non payment of dues of credit card. Alas I do not possess a credit card, nor did I posseess one. Then how come that I am a defaulter. Kindly do the needful to clear my name from the defaulters' list at the earliest.

sub:- Terminstion of loan agreement no 90567350
vehicle's chassis no: 02G 5KA 141124 And Engine no: 05KA141124
I am Neelkanth . V . Sarvi ; I has been take a Two wheeler Loan from HDFC Bank with 18 EMI scheme Loan Account No is 90567350, Loan amount is Rs. 11, 000 and the EMI is Rs. 744, this loan taken on 28/02/2006. Already I have closed this loan on 01/03/2010 reciept no 91149489 dated 01.03.2010 on hubli branch, karnataka. At right now my loan status is closed level.

At right now I have to approve car loan from SBI Bank and also I applied for it. So kindly change my status on CIBIL with immediate effect as early as possible.

contact no: [protected]

CIBIL — written off amounts

I have applied for a car loan. When I asked bank about the status of the sanction process they said two different amounts are written off with CIBIL.
Kindly resolve the matter urgently.

CIBIL — Wrong information given by CIBIL

Hi Sir/Madam,
I had applied for home loan in axis bank last month.But they refused it due bad inforamtion given by CIBIL. Then I applied for my credit report in CIBIL. When I see the report it is showing 5 credit card accounts with outstanding amounts , which I never applied . and in CIBIL report credit card no's are also not full, only last 4 digits it is showing. when I called to CIBIL customer care they told me to visit the respective bank and clear the info.
But with only last 4 digits of credit card no how bank can give me the full info.
and why should I go to the banks while these cards are not belong to me. CIBIL only should only clearify the details.Because they or their partner banks only did the mistake then why should a common man have to face such kind of mistakes. When CIBIL only write that in case any false info they are not responsible then why Banks are beleiving it's reports. RBI should do somthing against these irresponsible agencies. Please suggest me wt should I do in this case.

regards
pardeep kumar

i am totally fed-upped by this CIBIL report, they are mentioning my credit score is good but when i applied for home loan, banks have refused my sanction, i am not be able to understand why they are irritating like this. they have to understand, without bank funding / support, an upper class person cant work and live happliy. i have sent all registerd ads to all banks, ICICI, ABN-AMRO, AMERICAN EXPRESS, BOB CARDS, HDFC along with all the recipts and letter of closed relations ( as they dont demand a single ruppee on me) but they didnt respond me at all. now i will take my next action through RBI, FIR, COURT CASE or by giving notice through GOVT.desk. and its already being decided.

i am loosing my business & life necessitites because of CIBIL .

even i am ready to pay them their required more panalty ( if pending, as i havealeardy paid 2 times more than their credit cards limit- i have all evidences)

its mine opinion that because of credit cards of aprox 7-8 years back, they cant judge any one's present status. CIBIL have to think about it.

the big froad bank is: BOB cards, they came to me and asked for 32000/- to pay, as their card limit was just 20000/-, i paid them but they have not given me any letter, just said, please see your name removed from CIBIL in mext month time, when i saw CIBIL report, no amount was due on me at all. but after 15 months when i feel need of home loan, they shown 79835/- more due on me with mentioning "WIL FUL DEFAULT" and now asking this amount, i am really very much tensed about this, how they can cheat like this to me, even when i was giving them Rs. 32000/-, one of my friend has also given them same amount to remove his own namefrom their list. now his name is not seen inCIBIL nad taken CAR LOAN, now i need to ask BOB, why did they done for him and not for me, why STEP type behaviour? and even they have given me in written that they have clsoed my account with no problems, no outstanding, than why they are asking too big amount of Rs. 79835/- . my question to BOB, if they are ready to pay us this big amount to us, we all can deposit Rs. 20000/- and after 6-7 years if they can beable to pay us this Rs. 1, 10, 000/-, they can not.

i request if any one can help us to remove my name from CIBIL list as its hurting to goodwill, status and giving just mental presure and i am fully bound to take action against CIBIL's wrong & un-updated resports.

if any one whoever having his name in CIBIL, i am ready to assemble a team like PARTY and we all will fight against CIBIL to get judgement from our HONOURABLE HIGH COURTS.

i am welcoming person whoever is wiching to come with me, please contact at:

[protected] /[protected]

email:- [protected]@qscertificationservices.com
guide.[protected]@gmail.com

Dear sir,

i am vinod rastogi, G- 68, G. F. Pushkar Enclave, Paschim Vihar, New Delhi- 63
at the age of 50 years I have not any credit card of any bank and i cant take any loan, as a partner of a firm we take three cars on installment, they are reguraly debit in our a/c. my firm complete two car loans in 2007 and 2008 from standard chard/ icici bank without any problem, my firm take a loan of 7 lacs from corp. bank, sector 26 noida, that was completed on april 2009, my income tax return is aprox. 4.5 5 lacs.
from last ten years not a single cheque returned of my co. or myself, i have a house in my name also and reputed member of the society, last month i visited shoppers stop, they requested me for a city bank credit card, i said ok but i had received a letter from city with CIBIL that are unable to approve my application, i am very afaried to see the letter, this very painful for me.
I want to know what is mathed to acess a person by CIBIL.

My reference no. is[protected]/43 dated 24/03/10 please clear this matter urgently.

yours truly,

vinod rastogi
[protected]



I want to know what is criteria to assess

Dear Sir,

I have taken only one loan from Bajaj Auto Finance Ltd, Jodhpur for T/W with regularly payment but your cibil report showed one more loan in written off side.

Sir, I have not taken any more loans from any other institute.

Sir, My father was taken loan from citi finance, EMI of Rs. 2820, loan of Rs. 70k in Oct. 2007and unfortunate he has expired by heart attack and citi finance employee was clearly told me, you can’t take any loan from another institute because I will give report as a defaulter in your side.

Sir, It was not my mistake because I was not co. applicant and why I will face problem????????????????

Sir, I was not a co. applicant in citi finance loan, which showed loam from my side.

Dear All, This is Ashish Bhusan Das working in SKS Microfinance as Area Manager.My complain is on CIBIL ( Showing me as defaulter ) report where as i closed my all loans within time period and i also have NOC from all giver.So kindly delete my name from CIBIL which is a big hindrances for new loan.My contact no-[protected].


Please help me

Regards
Ashish

Please delete my name from cibil report because now i dont have loan outstanding.( have NOC with me )

dear sir,
i'm also facing same problems as our friends told us, i'm having the NOC from banks, but i still suffering from my name is in CIBIL.PLs tell me how can i remove my name and clear my record from CIBIL's black list.

I agree that cibil have not correct inoformtation regarding customer banker fist settled theyer issue after that they give customer data to cibil & cibil put that data on their sit as stupid peopel working there.

CIBIL — Tired of CIBIL

Please let us know to get out of this monster, This is creating unnecessary problem, Banks charge any amount on the credit cards and if we deny to pay they report us to CIBIL which in independent india is atrocious, This has to be steamlined, and limited to a particular section of the default, if one is not settling the card bill that is not out of fancy, the banks are not being checked for the charges that are leived on the customer instead they are been given a window to continue charging the customers at their will, If a person is defaulter in the credit card section why he shld not be given a personal loan, both are completely different, Please help the citizens of India live free life, please steam line this system as we are bleeding with pain and we dont have a way to stop it.

CIBIL — credit cards wrongly written in cibil

please check my cibil report seen one credit card of Rs.96000/ seen to be default
which i haven't any credit cards till today
my profile is
chirag ashokbhai thakkar
birth date 02.04.1973
address : 104,ashirwad complex, opp.pradeep society, waghodia road,baroda

मित्र
पुराने समय मे ज़मीदार हुआ करते थे . लोगों के खून पसीने की कमाई को जोक की तरह चूस लेते थे .
अब ऐसा नहीं हो सकता क्योकि अब हम आज़ाद है . इस् लिये अब उंनकी कमी को Organised Way मे Bank और Credit Card कम्पनिया कर रही है . उनका स्वरूप और भी भयांनक हो गया है. पहले ज़मीदार 25 ट्का (25%) सालाना लेता था तो लोग त्राहि त्राहि करते थे. लेकिन ये Credit Card कम्पनिया तो वास्तव मे कुल मिलाकर सिर्फ 58% लेती है हिसाब लगा कर देख लो . ...य़ा तो क्रांति हो...य़ा इन्हे किसी भी तरह खत्म कर डालो... वर्ना पिसो... एक नया "जयहिन्द" का नारा खुद बुलन्द करो अगर है हिम्म्त. इन Organised Criminals के खिलाफ़...