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I am neeraj kumar dhiman my dob is 15061977.i pay full & final payment of my creaditcard (icici, hdfc) bank, s tell me there is no due to your c/card. please removed my name in defalter list. i applay a loan for car bank people tell me your name in defalter list.ple remove my name.
THANKS
REGARDS
THANKS
REGARDS
i am Intrested sbi creadit card plz call me [protected], 4040249
I am Sachin I received call from delhi related to full & final settlement of my credit card as per his telcon I paid I paid full amount of my credit card in cash in citibank. But still I am getting mails from citibank your payment is due. Please guide me what to do. When can remove my name from defaulter list.
as per my view indian people should avoid to getting credit card as the credit card company are cheating the poor peoples of india, if you had then always carefully go throght charges, you might be able to find they are overcharging to the custmer on one and another pretetex.so i request all of you foolw the complaint proceder and then file a suit nin consumer forum and to the banking obmusbusman so the r b i may be foo;ow the complaint data .
Dear Sir / Madam,
Sub: Credit Card Outstanding Payment (Card No: [protected])
First of all I would like thanks for your service.
The above mentioned card I am using from Jul-2007 onwards, and still now I am regularly paying my dues. Due to some personal reason I couldn't able to make the payments on time from the month August 2009. But same has been paid in the month of Sep 2009. In the mean time One of your collection executive (Mr. Jegan) went to my native place(Vellore) & he informed to my father, your son is using credit card he is not paying money regularly, so ask him to pay the money otherwise the action will be very severe. Because of this one reason, relationship with my father is spoiled and he shouted and don't want me to come his home. Eventhough they know very well I was not available in that home that time, because my communication I had given in your records is Chennai address.
So immediately I pledge my wife jewel I paid the Rs.3000/- in chennai Nungambakkam branch. After that also I had received an SMS, stating that your card is in over limit, to avoid updating your name in CIBIL to pay the minimum amount Rs.1975(Aprox), so I made the payment of Rs.2000/- in Vellore branch.
After that I had received a call from your executive Ms.Jothy(Call from followed no:[protected], 66458500,[protected] on 7th Oct-2009, she immediately started shouting that what happen the amount you are suppose to pay the outstanding amount know, when you are going to pay? So I had replied to that madam Please give me some time because my daughter had admitted in hospital, surly I will pay the money, but she is not ready to listen. And she started saying that, if you are doing like this I will your wife & your native place contact no & disturb them. She did the same, within a few second she called my wife mobile no. she ask my wife, What madam(but actually she didn't use madam- shougted in local language)are you ashamed of your husband? like that, because of this reason my wife stop speaking to me. HDFC Credit Card is given So many changes in my life. But it is not stopped again on 08th Oct-2009 again the same executive called me & started shouting that today I am going to send some collection executive to your native place. I don't know what to do, I am helpless.
Requesting you to help me for my card closure, please I am begging you to waiver off the charges & tell me the final settlement amount. Otherwise waiver off the charges in that I would like to go for EMI (with the genuine interest). Last six month onwards I am enquiring with your customer care regarding the EMI, please convert my outstanding amount into Loan, but I didn't get any revert, so sir we can't provide this offer to you. Whatever the money I purchased I paid more or less equal. Please help me to save my life & live with my family members. Please...Please...
Thanking you
Yours Sincerely
K.Padmanaban
Chennai-600034, Cell : [protected]
Sub: Credit Card Outstanding Payment (Card No: [protected])
First of all I would like thanks for your service.
The above mentioned card I am using from Jul-2007 onwards, and still now I am regularly paying my dues. Due to some personal reason I couldn't able to make the payments on time from the month August 2009. But same has been paid in the month of Sep 2009. In the mean time One of your collection executive (Mr. Jegan) went to my native place(Vellore) & he informed to my father, your son is using credit card he is not paying money regularly, so ask him to pay the money otherwise the action will be very severe. Because of this one reason, relationship with my father is spoiled and he shouted and don't want me to come his home. Eventhough they know very well I was not available in that home that time, because my communication I had given in your records is Chennai address.
So immediately I pledge my wife jewel I paid the Rs.3000/- in chennai Nungambakkam branch. After that also I had received an SMS, stating that your card is in over limit, to avoid updating your name in CIBIL to pay the minimum amount Rs.1975(Aprox), so I made the payment of Rs.2000/- in Vellore branch.
After that I had received a call from your executive Ms.Jothy(Call from followed no:[protected], 66458500,[protected] on 7th Oct-2009, she immediately started shouting that what happen the amount you are suppose to pay the outstanding amount know, when you are going to pay? So I had replied to that madam Please give me some time because my daughter had admitted in hospital, surly I will pay the money, but she is not ready to listen. And she started saying that, if you are doing like this I will your wife & your native place contact no & disturb them. She did the same, within a few second she called my wife mobile no. she ask my wife, What madam(but actually she didn't use madam- shougted in local language)are you ashamed of your husband? like that, because of this reason my wife stop speaking to me. HDFC Credit Card is given So many changes in my life. But it is not stopped again on 08th Oct-2009 again the same executive called me & started shouting that today I am going to send some collection executive to your native place. I don't know what to do, I am helpless.
Requesting you to help me for my card closure, please I am begging you to waiver off the charges & tell me the final settlement amount. Otherwise waiver off the charges in that I would like to go for EMI (with the genuine interest). Last six month onwards I am enquiring with your customer care regarding the EMI, please convert my outstanding amount into Loan, but I didn't get any revert, so sir we can't provide this offer to you. Whatever the money I purchased I paid more or less equal. Please help me to save my life & live with my family members. Please...Please...
Thanking you
Yours Sincerely
K.Padmanaban
Chennai-600034, Cell : [protected]
please send me any creditcard or bank loan in my name.
Take legal advice on this immediately. Few are offering free legal advice on this matter.
2) Assuming that you made full payment, call up the customer care of the bank and request for two things: 1) no dues letter within 7 working days 2) a zero balance statement. Take down the request number to follow up. these two documents are very essential if you want to apply for another card or any loan in the future and it stands proof that you have cleared all your dues with the bank. Please keep these documents safe
3) Call again to customer care and ask them to do two things: 1) update CIBIL so that it does not show you to be a defaulter 2) send an email to Satyam database to take your name off the defaulter list. Satyam Credit Services maintains the list for the Indian Cooperation committee where Mastercard and couple of other banks came together to start a list service (before CIBIL was born) and put the name of all defaulters on it so that other banks do not lend to them. Only the bank that put your name on the list, can get it removed. There is no known address of Satyam list so you have to take the bank's word that it is removed. Insist that a letter be sent to you stating that the bank is taking steps to have your name removed from the Satyam list ASAP and this letter will do when you apply for credit again
4) If the letters do not come, write to the grievance redressal head of the bank. All banks as per RBI regulation need to have internal grievance redressal cell and you can get their email address and phone number from the bank's website or from the customer service on phone.
5) If even the grievance redressal people fail you, file a complaint with the banking ombudsman of RBI who will solve the problem for you. Different regions have different people - check the link below:
http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=164
Usually, the bank takes your name off and gives you a no dues letter without creating problems when you pay them off in full. This is my personal experience with Stanchart and ABN.
Best wishes