[Resolved] HDFC Bank — Remove name from CIBIL record | |
hi sir, I am Ganesh Pandurang Bane. I had taken a Credit Card from hdfc bank 3 years ago. when i get the credit card, after 15 day's i recieved call from hdfc bank for mediclaim. they told me you get the free madiclaim policy with this credit card. but when i get the statment for this credit card for that month, they withdraw Rs. 3500/- from my credit card account. then i go to the bank and gave them a cansellation form for credit card & mediclaim policy. but they don't excepted this, & they told me you clear this amount of rs. 3500/- then they will close this things. but i had never paid this thats why my outstanding ammount was increased to 12000/- then i decided to settlement of this issue & i have done the settlement of rs.9000/- with HDFC bank but they had already sent my name to CIBIL record as a defaulter of credit card. & also i had clear all outstanding dues & also bank lose. I had gave total rs.16070/- for this issue to HDFC bank. but they do not get agree to remove my name from CIBIL record. they said, we will give you the NDL (No Dues Letter) to me. but that is not applicable for Loan. they need the CIBIL record. now you tell me what i will do at this stage, I had already apply for personal Loan, but i can't get this without clearing the CIBIL record. i[censored] hav doubts you can check my credit card statment by my credit card no. [protected] please help me i am in serios trouble thanks, Ganesh Pandurang Bane Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 28 Comments | |
Comments
Yes you are right. Now these days the HDFC credit card department has falsly charge many people in the same way. I have my two friends from other city. They have also complaint about this. One should stoped the HDFC bank from this facility.
Reply
i want to settle my account with whom should i settle it
i completely agree... HDFC Creadit cards must be worst of the lot... the bank doesn't have a clue about the settlement status and while their settlement people are processing a settlement, they refer the customer data to CIBIL... and Banks-CIBIL nexus could well be termed is the biggest organised forum to harass the poor customers with their lopsided approach in favour of banks without hearing a customer's side of the story...
I hope someday a responsible news channel or PIL takes the initiative and the banks credit card sections are made to pay through their noses for all their faults, in connivance with CIBIL...
I hope someday a responsible news channel or PIL takes the initiative and the banks credit card sections are made to pay through their noses for all their faults, in connivance with CIBIL...
Hi One thing is clear that even you pay your loan or Credit Cards it will be reflect in CIBIL until One year.
Now the question stands that you had paid the entire amount and when checked with the loan or CC no
in the bank records it displays that you have nil amount due. However, cibil should get the information from the bank to remove the name until and unless they will not remove it.
I strongly suggest to take an action against the bank if you had paid the total amount NOT SETTLEMENT. " SETTLEMENT IT SELF IS A DEFUALTER WHO CANNOT MAKE THE TOTAL PAYMENT. so never ever go for the settlement aspect. basically file case against the bank send a notice that this is the case. and send them the No dues certificate which the bank has provided to you.
then there would be a change. Cibil listen only to their members who are Banks, and other financial institutions, as they have given our information to CIBIL.
Thanks
Now the question stands that you had paid the entire amount and when checked with the loan or CC no
in the bank records it displays that you have nil amount due. However, cibil should get the information from the bank to remove the name until and unless they will not remove it.
I strongly suggest to take an action against the bank if you had paid the total amount NOT SETTLEMENT. " SETTLEMENT IT SELF IS A DEFUALTER WHO CANNOT MAKE THE TOTAL PAYMENT. so never ever go for the settlement aspect. basically file case against the bank send a notice that this is the case. and send them the No dues certificate which the bank has provided to you.
then there would be a change. Cibil listen only to their members who are Banks, and other financial institutions, as they have given our information to CIBIL.
Thanks
CIBIL Is The One Of The Worst Things In Indian Banking History.
They Don't Know How To Operate The Banking Rules & Regulations.
CIBIL Is Not Updating Itself On Regular Basis, It Doesn't Keep Records Of The Individuals Properly & There Is Know Use Of Settlement Letters From The Banks
If They Are Properly Working For The Consumer Needs & Satisfaction They Should Timely Keep The Records Of The Persons Who Ever Is Getting There (NOC & NDC)Remove Their Name From The CIBIL. But That Is Not The Case Of CIBIL Wherein All The Consumers Are Tormented Heavily By Their Useless Rules & Guidelines
They Don't Know How To Operate The Banking Rules & Regulations.
CIBIL Is Not Updating Itself On Regular Basis, It Doesn't Keep Records Of The Individuals Properly & There Is Know Use Of Settlement Letters From The Banks
If They Are Properly Working For The Consumer Needs & Satisfaction They Should Timely Keep The Records Of The Persons Who Ever Is Getting There (NOC & NDC)Remove Their Name From The CIBIL. But That Is Not The Case Of CIBIL Wherein All The Consumers Are Tormented Heavily By Their Useless Rules & Guidelines
I had two credit card one is with ICICI and another Standered Chartered. For ICICI they have charged me illogicaly and I denied to pay the ammount they asked and requested them to speak. Since my Salary account was with ICICI they have taken money with huge interest (that was completely fradulant) from my salary account, the amount was 92000. Even then I see in CIBIL record it is updated a written off whereas in actual that is false.
With Standered Chartered I had issue with fradulant interest charge and hence they agreed and asked me to pay the amount with valid interest. But once this is paid it is found they also updated my record in CIBIL Record as writen off.
Anyone here who can help me in this? I must sattle this problem ASAP.
My contact number : [protected], Location: Kolkata
With Standered Chartered I had issue with fradulant interest charge and hence they agreed and asked me to pay the amount with valid interest. But once this is paid it is found they also updated my record in CIBIL Record as writen off.
Anyone here who can help me in this? I must sattle this problem ASAP.
My contact number : [protected], Location: Kolkata
This is one of the worst situation here, I was owing Rs. 9500/- to HDFC, one of the agencies from HDFC came to me and told me that, Rs.9000/-, he can settle my a/c and no dues letter can be given.
After 1 week when I called him, that agency was cancelled, HDFC keeps on sending me the statements though I have paid so much, they said they are now aware of the settlement and keeps on adding the late payement fee, its outstanding now Rs.16000/- and its in CIBIL.
Why these people wants to harass the people like me, instead of genuine cheats
HDFC Bank itself is a bank with cheats and liers, without any intention to do the right business...
After 1 week when I called him, that agency was cancelled, HDFC keeps on sending me the statements though I have paid so much, they said they are now aware of the settlement and keeps on adding the late payement fee, its outstanding now Rs.16000/- and its in CIBIL.
Why these people wants to harass the people like me, instead of genuine cheats
HDFC Bank itself is a bank with cheats and liers, without any intention to do the right business...
Credit card holders are suffering these kinds of harrasements from Banks.
Those who have not taken Credit Cards, please don't take credit card.
use debit cards instead.
Credit card is one of the worst trap of your Life.
Rajesh - [protected]
Those who have not taken Credit Cards, please don't take credit card.
use debit cards instead.
Credit card is one of the worst trap of your Life.
Rajesh - [protected]
HDFC has 40% shares in the CIBIL so for any damn small amount they are puting it in to the CIBIL and all other are following them... I am suffering due to a using CC of HDFC...I have made a payemnt of 2000 via CC and they have send me a statement of 8000 after 6 months ... When i refused to pay they added it to CIBIL now i am not able to get loans due to this. So i have to pay 8000...there should be some law to avoid these kind of Frauds...
For assistance in resolving issues with cibil, please contact Debt Doctor, they are based in Bangalore and are experts with resolving them. I had a applied for a home loan and it got rejected by LIC Housing and was told due to cibil and nothing more. Now, with the help of Debt Doctor, I am now have resolved cibil and got my home loan.
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