[Resolved]  Credit Information Bureau (India) Limited — Customer Name in CIBIL Defaulter List inspite of having settled all dues.

State Bank of India — Payment of interest not updated in CIBIL

I, Santhosh Kumar P, S/o P Prabhakaran Nair, am having a Gold Loan from State Bank of India, Gunrok Branch, Secunderabad.
There was an outstanding payment of Interest in this account and the same is still reflecting in CIBIL eventhough it was paid about 1 1/2 months back.

I was not aware that the interest is overdue for payment. I am a regular visitor to the Bank and it was not informed to me by the bank for payment of interest.

As a practice and terms & condetions of the Gold Loan, the interst is payable only at the time of closure of the loan or at the time of due intimation from the Bank/institution.

Recently I have applied for a Housing Loan and on verification, the institution has informed me that the interest on my Gold Loan is over due and the same is reflecting in the CIBIL Report.

The interest amount of Rs. 15,029/- was paid by me on 12th Feb-11. Copy of the loan statement is enclosed for your reference. Till date the payment is not updated in the CIBIL info and now also it is showing the same as over due.

Non updation of the required information in the CIBIL site on time is causing invonvenience to me & my credibility and the same is creating unwanted trouble to me and the processing of my further loan. Financial Institutions & Banks are regularly referring to the CIBIL Report for assessing the credibility of an individual and taking decisions on the basis of report received from CIBIL. Updation of information on time is very important as it is going to decide the future of individuals who are seeking for financial assistance.

You are requested to get an update from the Bank immedaitely and do the needful to update the information immedaitely. In case of any additional information required, please do contact me on my below contacts.

SANTHOSH KUMAR.P
Contacts:-
Hand Phone - [protected]/[protected]
Residence[protected]
mail - [protected]@gmail.com

RESPECTED SIR
I AM INTERESTING FOR MEMBER OF CREDIT INFORMATION BUREAW INDIA KINDLY GUIDE AND HELP AND REQUST TO YOU KINDLY SEND DETAILS TO MY EMAIL [protected]@yahoo, com
thanking you
yours faithfully
shivananda nayak

Credit information — Somebody taking loan against my name

Hi,

my name is A K Jain. i have bussiness in Agra. today when i went to bank of baroda for Car loan. when i submit my all documents.... they showed me some paper from Credit Information Bureau India Ltd. in that papre it has show that i have taken personal Loan of 75000/- and credit card 300000/-(3 lakh) credit. and every detail given there as my address and phone no was right. but i never taken any credit card and loan. and i never got any call from any bank to pay any bill. bank didnt want to tell me from which bank that loan has been taken. i am very tense..i dont know what should i do? who can do this ? and how will i get to know about loan and credit card information? please help me..i am very tense


Ashok Jain
Agra

[protected]

Dear sir,
i m not using any of my credit card but when i remove out my search report it is showing that i have 24, 120 Rs over due from my bank account and too it is increasing day by day so i just want to know the reason why is my amount from the bank is cutting it of due to any of my credit card or due to some reason i just want to know that ...please sir help me out thank you n please oblige

Dear Sir, I had cleared all my outstanding dues with a forclosure letter being dated 12.06.2009 for personol loan taken from family credit pvt. ltd. bank, but they were given my name in cibil. Pls. look into the matter and delete my name from your cibil's defaulter lists after proper information received from the bank. My loan agreement no.133175 with a loan amount of Rs. 21000 being dated 23.05.2008 under Barasat Branch 126 Krishnanagar Road near Colony More opposite Subhas Maidan, Kolkata-700124.
With warm regards. Your's faithfully, Deepak Sonkar 42 Strand Road Kol-700007 Mob:[protected] E-mail:[protected]@gmail.com

Please contact [protected]@debtdoctorindia.com for your issues on Credit card . We solve the issue in CIBIL credit score as well

Please contact [protected]@gmail.com for Credit card issues, Cibil issues...we will be able to sort this out. Thanks

myself &my father had applied for a home loan recently

we were shocked to hear from the banks (INDUSIND BANK) that my name are listed in defaulter list of CIBIL
I have never received any information from CIBIL & BANK asking for a confirmation if the name of a customer is listed in defaulter list.
i have no idea to my stolment are due, i have paid all our dues till and have the receipt from the concerned financial institutions.
i seek justice to get our name removed from the defaulter list with an immediate effect.
please help us
looking forword to a suitable action at the earliest from your end.
Regards
Suresh Chand Godeshwar
[protected] loan a/c no. (RJG00021S)
EMAIL: [protected]@gmail.com

Standard chartered bank issued me two credit cards (MASTER) bearing numbers [protected] and [protected] with limits Rs25000/-(Rs twenty-five thousand only) each on the year about 1994. On 04.03.2001 the balance about Rs 56000/- (Rs Fifty-six thousand only) has been settled by Rs36800/- (Rs thirty-six thousand only). The settled amount was accordingly paid over the bank counter with receipts. But surprisingly on 30.08.2002 a letter was issued to me by claiming Rs33075.18 (Rs thirty-three thousand sixty five and 18 paise only) and Rs 18875.48 (Rs eighteen thousand eight hundred seventy five and 48 paise only) as outstanding on date. On my letters dated 18.08.2002 and 20.09.2002, I have communicated the bank the fact that I had already paid the dues.
Also personally contacted authority of the bank issued me liquidated certificate timely. But now I have found that my name is in the Civil Consumer Credit report as a balance lying Rs 785439.00 (Rs Seven Lakhs Eighty Five thousand Four hundred Thirty nine) against myself. I strongly deny this record and balance against me because it is manipulated bank made figure. I have all sufficient documents in this regard. Therefore, I kindly request you to look into this matter so that my name is eliminated from the Civil Consumer Credit Report immediately.

Barclays — Unnecessarily my name is been highlighted in Cibil

Hi,

This is to inform you that, I am trying for personal loan, but no bank is approving as all are telling me that my Cibil score is low, I have no idea why my name is been highlighted in Cibil and through which bank it is been entered. As far as I know last year my credit card bills were higher, which was Rs. 10,070 for Barclays & Rs. 21,485 for ICICI and I made the entire payment on 5th July 2010 which is before due date.

In the next month of the bill payment Barclays again sent me the bill of Rs. 700, I don't know for what reason, I called customer care and told them I have made the entire payment, then why did you send me the bill, they told me that I have exceeded my limit which was only Rs. 70, I requested them to reverse it as I have already made the payment and just for Rs. 70 you are charging me Rs 700, they took my request for reversal, but they didn't reverse it and they kept sending me the bill, adding all the charges due payment, interest all the calculations which are applicable. I again called up customer care and told them that I have requested for reversal, they told me that reversal request was not taken and they again took reversal request. But still no results. after 4 to 5 months when bill charges were above Rs. 4000, they told me that we will not reverse it, if this was the case then why did they kept telling me that it will be reverse.

I am not sure if this is due to Barclays or any other bank as far as my knowledge I don't have any other issue other than barclays. I took a car loan which got paid entirely without any bounces. If I had to stop payment then why would have I paid the entire amount, I would have stopped entire Rs.10,070.

I would request you to please look into the issue and please help removing my name from Cibil. If Cibil has all the data, It would also have my past records of Loan & current status.

My email Id is m.[protected]@gmail.com, look forward for resolution.

hi dear sir,

name -dherendra kumar rasania

DOB[protected]

Pan Card No.-AIIPR4381D
contect no. [protected]

Today i have known from SBI homeloan department that i have some dues in credit card in cibil list.As per my knowledge it is impossible, and i am shocked.So please inform me how can i get details about which bank credit card ..dues on me?
Also settlement of All personal loan and satlled all credit card loan why r not updated ?
thanx
dherendra kumar rasania

icici bank baroda racecourse cercle — home loan

hi i aaplyed icici home loan to baroda branch landmark and i did all the process as requered of bank and after 2 month branch manager told i could not get the loan because my salary is low, my salary is near indian rs80,000 per month.

I want to know is there any rules like this in icici home loan ? for NRE ?

just let me know on this mail [protected]@yahoo.co.in

From: SUJIT BANERJEE
DATE OF BIRTH : 03/01/1968
PAN : AETPB7980B
EMAIL ID : [protected]@yahoo.co.in







Sub :Customer Name in CIBIL Defaulter List inspite of having settled all dues.

I have applied the houseing loan but I am very much shocked to hear from the Banks that of my name is listed in the Defaulter List of CIBIL.

In this regards I would like to inform you that I have paid and settled all my dues almost three back and have the settlement letters from the concerned Bank on their letter head that the full & final settlement has been done and no dues pending from my end.

I do not know which Bank & financial Institution has reported my name in the defaulter list.

This is utmost unfair for a customer who is sincere and has settled all the dues and has never defaulted in any way.

I have never received any information from CIBIL asking for a confirmation if the name of a customer is listed in defaulter list whether is it correct?

I seek justice to get my name removed from the defaulter list with an immediate effect.I am ready to give all the proof and settlement letters issued by the concerned Bank provioded I am given the details of the same.


Looking forward to a suitable action at the earliest form your end.

Regards
Sujit Banerjee

put your written complaint on RBI ombudsman online complaint forum

Dear Sir,

Consumer : Ashok Kumar
Member id: BS00019288

I received Cibil Consumer Credit Information Report which is showing some amount due/ wriiten off on my account.
As account no. and name of bank is not disclosed I am unable to discover the credit card, showing me in defaulters list.
I want the complete detail of account numbers and name of Bank. In this report Total no. of Account- 8
Overdue 3
Zero balance- 5
Kindly explain.
Thanks & Regards,

What Indian Govt is going to do on these bank? There is no complaint against govt sector banks or govt banks. Only the private banks are doing like this. There are many people how are suffering bec of this. Govt should take action against these issues.

car finance related matter — dua amount

res. sir.
my name is samir shaikh (advocate) res. alif nagar soc. navsari, dist navsari , gujarat state. my cell no is [protected]. i was buy a car no GJ 15 K 6623 TATA INDICA . this car h.p. with your co.ltd. and is owner name is mukesh pruthviraj jain. i would like to know about any loan pendig? if yes give me detail. i will pay you. and if no so please reply me. i have and also owner has forgot loan account number. so please kindlly need ful me.

Sheikh baba — citibank credit card outstanding cleared

iam S baba having citi bank credit card no.[protected] with out stading of Rs. 28000/- as on 12.03.2009.

But I have paid the same amont Rs,28000/- vide icici bank Cheque no.788476 dated 20.03.2009.


Now am suprising as my name is appearing in the CIBIL as defaulter.


so please do the needful to updat my payment details and remove my name from CIBIL.


With Regrds,
S Baba

Credit information Bureau(India) Ltd — CIBIL Report

I undersigned Prabhat Ranjan applied for my Home Loan through HDFC and after submission of necessary documents they took my personal interview for further processing.

On 13th Dec 11 I got a call from HDFC that my home loan has been rejected based on my CIBIL report as I have several loans and I am in defaulter list. I got surprised as I have never taken a home loan or any type of Loan in my Life.

After suggestion from HDFC I raised the dispute through on line CIBIL on 13.12.11 .
I also called the Customer care several times in this regard and they advised that I will get a call soon on this matter and my case is under process.

Since in my life I have not taken any type of loan and I don’t have any Credit Card also , why my name has come in defaulter list. My home loan application has been hold due to this issue.who will be responsible in this regard .

I therefore requesting kindly look into matter

Thanks and Regards,
Prabhat

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