[Resolved]  HSBC Credit Card — Settled and Paid But still showing as Defaulter

Hi, I hold HSBC credit card from Jan, 2006 and settled and paid in 1 installment in May, 2007. But last week I applied for personal loan for 2lac. It got rejected as I was shown as 'Defaulter' in CIBIL. The representative also confirmed that this is due to HSBC card settlement. CIBIL reference control no of my case is :[protected]

Today I called up HSBC credit card customer care and confirmed that account has been settled and now showing ZERO balance. He confirmed it should not affect the credit history.

Please help me removing my name from CiBIL defaulters

Thanks,
Venkat
[protected]

Hi, I hold HSBC credit card from Jan, 2006 and settled and paid in 1 installment in May, 2007. But last week I applied for personal loan for 2lac. It got rejected as I was shown as 'Defaulter' in CIBIL. The representative also confirmed that this is due to HSBC card settlement. CIBIL reference control no of my case is :

Today I called up HSBC credit card customer care and confirmed that account has been settled and now showing ZERO balance. He confirmed it should not affect the credit history.

Please help me removing my name from CiBIL defaulters

Thanks,
Venkat
[protected]

Hello Prarthana, I can understand your mental state and what you have gone through. I have suffered with this thing recently for an overdue payment of HSBC credit card. I am an NRI staying in South Africa. They called up my people in India even distant relatives and started threatening them for police arrest and everything. They said I will be taken out from South Africa by Indian embassy and all other fraudant statements. One number was given every threatening calls that was of Mr Arnab Chawdhury. I called him From South Africa and found that the my due of 1, 40, 000. I didn't receive the communication from them for at least 6 months.

Even then I paid the entire due in 7 days time. After that I got another statement which showed another 5000 as due. I went on calling to this same person
Arnab CHOWDHURY, Asia Pacific Risk, ASSISTANT MANAGER, Phone. [protected], Email. [protected]@hsbc.co.in,

Sent at least 5 mails just to confirm my payment but didn't get any reply.
I was going through a bad patch in Family and my wife decided to file Divorce making this threatening calls as an issue. My Family reputation has been spoiled, life is ruined for the torture and mental trauma I have gone through. I now a days think of committing suicide for this. Not sure is there any law in India where we can get justice?
The people like Arnab chowdhury who work in responsible positions and use illegal tactics, hire Gundas to threaten customers should be severely punished. Id s there any one who can help us in India?
-Tushar Das

Hi,

Till now they have not given you NOC and your name is in Defaulter list. Please dont be surprised when they again call you for dues due to charges from the day you had stopped using your card.When you make a sattlement by doing negotiation they dont remove you from defaulter list. And they use to put charges over the remaining money.Even if you wanted to take NOC by paying in full, they wouldn't have agreed over this.