[Resolved]  HDFC Bank — REMOVAL OF NAME FROM CIBIL LIST/ HDFC bank WORKING

I have availed person loan from HDFC bank in July -2003 amounting to Rs. 1 lacs. I was regularly paying EMI but I lost my job in jan 2004 onwards and I was unemployed for next 6 months. In Oct-2005, I settled the amount with bank of my pending amount to Rs. 22,000/- through their DSA/ Agent. And i have been given cash receipt.

Few days back I applied for an AUTO LOAN and I came to know that my name is in negative database of CIBIL and on enquiring the same I came to know that there is still outstanding against Personal Loan a/c of Rs. 42,000 with HDFC Bank. I visited to HDFC bank, ITO 2nd Floor Branch and met Mr Rishabh Jain and narrated him all the story. He asked for that cash receipt but unfortunately after 4 years I didn’t have receipt with me as I shifted to other place. He advised me to settle the amount. After showing him my real circumstances and agent dealing with me he advised me to deposit Rs. 26000 (Rupees Twenty Six thousand only) against full and final settlement. This time I requested him to give me the letter assuring that the bank will issue me NOC and request letter to CIBIL for the removal of my name from negative data base. He issued me the letter same date for settlement, and I have given him cheque of Rs. 26000/- against full and final settlement against the disputed amount and the same has been cleared from my account on 1st sept-09. Although I already settled it but due to non-availability of receipt, I could not argued on the same. i have received the account closure letter from hdfc bank too.

Now i have settled the said amount with the bank despite that BANK is not liable to remove my name from NEGATIVE / DEFAULTER from CIBIL LIST. On contacting bank advised me to approach directly to CIBIL for removal of my name. Note that bank had already written off my outstanding (which in no case was on my account) but they are smart enough to put my name in negative data base list of CIBIL. but when it comes to removal nothing has been done in this matter. i cannot avail any kind of loan forever despite clearing my outstanding dues. if such kind of regulations are in process then soon court and such organisation rules the people of India. However, i requested by mail to CIBIL authority to look into the matter and i hope so if some solution will come into picture.

Another interesting story i have come to know that if someone else taken loan BY FRAUD in your name then its not him, your name will be suffer for long life in the NEGATIVE DATABASE OF CIBIL LIST. Sin is done by someone and you have to pay for life long. What a law and regulations!!!!!

any solutions
MUKESH