[Resolved]  HDFC Bank — My name in CIBIL defaulter list

Standard Chartered Bank Credit Card — My name in CIBIL defaulter list

I applied for home loan in SBI. In my home loan request following are the facts :-

1. Legal papers of property are OK
2. Technical survey is OK
3. My home loan Eligibility is OK
4. Personal documents are OK
5. Guarantor documents are OK
6. Property market value is very good

Based on CIBIL report, Only creditworthiness is NOT OK.

From CIBIL report some 3 credit card issues are reflecting, and these were not in my knowledge until SBI informed me.
In case of SCB the card was issued on Date:[protected] and issue was reported to CIBIL on immediately it was closed on Date:[protected] . Here some amount is overdue, reason is that SCB issues an unwanted Health Insurance Policy to me. and they asked me to pay the premium. In past, I made lot of communication with bank, and again I am doing it for clarifying that there is no fault from my side.
Here I feel some SCB employee was having a contact with helath policy issuer, and he was making money while doing this fraud. But SCB is not looking this fact, and in fact they are putting cutomer in defaulter list of CIBIL.

Even in case if they don't take action on the same, then whether it is so improtant to consider such illogical credit card issues for approving big home loan.

I am financially very stable. My assets, my home loan repayment in past 2 years, my salary, No cheque bouncing proves it.
I feel that government is not having any control on credit card issues. Customer are being harrassed by banks. According to me nobody should take a credit card.

HSBC Credit Card — My name in defaulter list of CIBIL

I applied for home loan in SBI. In my home loan request following are the facts :-

1. Legal papers of property are OK
2. Technical survey is OK
3. My home loan Eligibility is OK
4. Personal documents are OK
5. Guarantor documents are OK
6. Property market value is very good

Based on CIBIL report, Only creditworthiness is NOT OK.

From CIBIL report some 3 credit card issues are reflecting, and these were not in my knowledge until SBI informed me.
In case of HSBC the card was issued on Date:[protected] and immediately it was closed on Date:[protected]. Beacuse they committed different card, and issued different one. I am communicating banks, and in process of clarifying that there is no fault from my side.

Even in case if they don't take action on the same, then whether it is so improtant to consider such illogical credit card issues for approving big home loan.

I am financially very stable. My assets, my home loan repayment in past 2 years, my salary, No cheque bouncing proves it.
I feel that government is not having any control on credit card issues. Customer are being harrassed by banks. According to me nobody should take a credit card.

i have credit card of standard charted bank, in the year 1994, i settled the over due amt, but in cibil report showing this amt till as of now, please check & reply us.

iind thing is that i have forgot the credit card no, please check & confirm the above issue .

reply immediately .

I agree with the cleints who do not qualify becos of no mistake on their part...I can help out clients in getting loans from banks/pvt...without worries...submit docs...and get your loans approved..after due deligence..we will educate you with dos and don, ts to get through

so mail me at rkpandit aT gmail dot com

I had same issues. Its like customer has to carry unnecessary headache while applying for loans. I have had same issues and now i dont know how to come out of this situation. Bank people wont approve your loan until they get all credit card statements. I am very much frustrated because of this.