[Resolved]  ICICIcredit Card — Name appearing in CIBIL as defaulter even after clearing debts

Address:

Jodhpur, Rajasthan

Respected Sir / Mam,
I am Sandeep Sharma and have an account in your bank, was also using Credit Card No.[protected].

Some seven years back I was receiving a call from your ICICI Lombard Ahmadabad branch regularly for a mediclaim policy, I was not interested and tried to avoid but the concern person( A lady ) asked me to just listen to what she was saying as it’s her duty to give a report as to many people she calls daily, she also said listening won’t activate the policy, it will be activated only when you will send signed documents, I listened to what she said but never said YES to the policy.

It was somewhere around Nov – Dec 2006, I was transferred to Udaipur in January 2007 and I don’t know how they started debiting installments to my credit card, I was not a frequent user of Credit Card and didn’t came to know about it BUT since the statements were delivered on my previous address 18E / 549 CHB, Jodhpur my brother unknowingly paid the debit amount for 2 months, he was not aware what was it for, he tried to clear his brother’s bill.

I changed my address later and came to know about it then, I went down to one of my friend working with ICICI Prudential Life insurance at Udaipur and he suggested to shoot a mail to customer care to stop the policy if you didn’t agree to it and are not interested BUT you won’t get the refund of the premiums you have already paid, immediately shot a mail from there itself to discontinue the policy.

The premium kept on reflecting in my Credit Card statement BUT I stopped paying, frustrated by the response I stopped using Credit Card. I kept on getting statements of Credit Card and started approaching your ICICI Lombard Udaipur branch to get to know when did I confirmed the policy since they said as per rules you verbal acknowledgement is enough for us…I started going there and they kept on saying we are waiting for some CD from Hyderabad which has your acknowledgement, I visited 5-6 times AND one fine day they said that the CD is there BUT your voice is not clear.

I discussed it with one of my neighbour who is working with ICICI Credit Card, he suggested me to settle some amount else it will spoil your record in “CIBIL”,I agreed and paid an amount of Rs.5500 on 18th Dec 2010 to avoid further HARRASMENT.

Although I have a ZERO debit statement,I AM SORRY TO SAY AFTER ALL EFFORTS MY CASE STILL APPEARS AS A DEFAULTER IN “CIBIL”,my loan applications get rejected based on that and I feel HARRASSED every time.

Please tell me what my fault is, I trusted a BIG name and now feel cheated.

Request you to please do the needful and GIVE ME A CLEAN CHIT IN YOUR “CIBIL”.

Expecting a quick response to RESOLVE MY ISSUE,

Regards

Sandeep Sharma
18 E – 549
CHB, Jodhpur