[Resolved]  CIBIL — my details not removed from defaulter list

Hi this is Renuka Pathak I had credit cards from HSBC banks... and I closed my credit card settlement with representatives in 2006. Now after this i applied for another loan.To check whether my details were removed from CIBIL list. and now it is still there... can you suggest me how to proceed further for removing my details from CIBIL list... I have my NO dues letter from HSBC and i dont have any dues for now...

REF: KJG/10/1511

DATE: November, 15TH 2010

TO
STANDARD CHARTERED BANK
BANKCARD CUSTOMER SERVICE CENTRE
WEST MEZZANINE FLOOR, 462, PHONIX CENTRE
PHOENIX MILL COMPOUND, LOWER PAREL,
MUMBAI 400013, MAHARASHTRA


SUB: ACCOUNT SETTLED IN 1998 & NOT RECEIVED N O C
ALSO NOT FORWARD POSITIVE REPORT TO CIBIL

RE: STANDARD CHARTERD BANK MASTER CREDIT CARD # [protected]

DEAR SIR/MEDAM
I AM MR. KAMLESH JAYANTILAL GANATRA, AGE 52, INDIAN CITIZEN.
I WAS HOLDING STANDARD CHARTERD BANK MASTER CREDIT CARD # [protected]. IN THE YEAR OF 1997 – 1998 I HAVE SENT SO MANY E MAILS TO YOU BUT NO REPLY FROM YOUR END.(ATTACHED COPY OF MAIL)
YOU HAVE CANCELED MY CARD ON 10.08.1998 SEE YR INVOICE.
AFTER THAT IN THE MONTH OF 28/12/1998 I HAVE RECEIVED LATTER FROM YOU AND AGREED FOR FULL & FINAL SETTLEMENT OF MY ACCOUNT AS PER OUR REQUEST LATTER DATED 29.10.1998.
THAT TIME MY ACTUAL PRINCIPLE AMOUNT OUT STANDING WAS RS, 45, 639/00
BUT YOUR PERSON MR.VINAY TOLD ME TO PAY SUM AMOUNT OF INTEREST, THAN ONLY YR ACCOUNT WILL BE FULL PAID.
THAT'S WHY STANDARD CHARTERD BANK MASTER CREDIT CARD # [protected] I PAID RS.3, 000/00 CASH. RECEIPT # 476 & RS.44, 000/00 POST DATED CHEQUE. ON 31.12.1998 RECEIPT # 477
THEIR IS NO OUT STANDING ANY PAYMENT TO PAY YOU FOR ABOVE MATTER. THIS ACCOUNT IS SETTLED IN THE YEAR OF 1998.THAN ALSO I AM RECEIVING CALL FROM YOU TO PAY RS.23, 50, 000/00 ???@@@@!!!????? WHAT FOR & WHY. ??
SEE ALL ATTACHMENT FOR YOUR READY REFERENCE.
PLEASE FIND MY RELEVENT PAPER ATTACHED FOR YOUR READY REFERANCE N REQUEST YOU TO ISSUCE US N.O.C. FROM YOU AND INFORM TO CIBIL TO GET POSITIVE REPORT FOR SAME. BECAUSE OF THIS MATTER I AM LOOSING MY BUSINESS & BANK LONE FROM BANKS.

RGDS

KAMLESH J GANATRA CC TO : CIBIL / R B I
[protected]

I TOOK PERSONAL LOANS FROM HDFC, ICICI, PRIMEFINANCIAL, CITIFINANCIAL, IN MY AND WIFE NAME IN 2006, 2005.I PAID MOST OF THE PAYMENTS, BUT DUE TO SOME PERSONAL CRISIS I BECAME DEFAULTER AFTER 2 YEARS.IN 2008 I PAID ALL THE OUTSTANDINGS AS WAS MUTUALLY SETTELED WITH BANK.FOR THAT I HAVE TO SOLD OUT MY ONLY HOUSE.BUT I CLEAR MY ALL OUTSTANDINGS.I HAVE ALL SETTLEMENT LETERS AND RECEITS.AFTER THAT PRETTY LENGHT OF TIME MY NAME IS STILL IN CIBIL AS A DEFAULTER AND I CAN NOT EVEN AVAIL A FRESH LOAN FOR MY NEW HOME.ALTHOUGH AT PRESENT OUR FINANCIAL STATUS IS FAR BETTER THAN BEFORE.THEN WHAT IS THIS NONESENCE, IS A FINANCIAL CRISIS IN ONES LIFE IS A TOO BIG CRIME THAT NO ONE EVEN AFTER BEST EFFORTS TO IMPROVE HIS FINANCIAL STATUS CAN GET NOT EVEN A CHANCE TO HAVE A HOME FOR HIS HEAD.WHATEVER BE HIS EARNINGS AT RESENT.SO WHAT IS THIS.IS THIS NOT A CRIMINAL ACT OF ALL BANKING INSTITUITIONS AS WELL AS CIBIL.PLEASE TELL ME WHAT SHOULD I DO.AT PRESENT NO ONE CAN HAVE A HOUSE WITHOUT THE HELP OF FINANCIAL INSTITUTIONS.
Dr y s khetal
Ghaziabad, UP
M-[protected]