Credit Information Bureau India [CIBIL] Complaints & Reviews

BARCLAYS/GOLD CREDIT CARD — LATE FEES

Late fees
Dear Barclays card,
I have your gold credit card with me.
I can not give card no in this mail.
Ok, now if i drop cheque at your drop boxes, you are getting it late.
But is it my problem that cheque you are getting late beacuse of your own limitations? or system?
when called to your customer care center, i have found below diffculties on your cust.omer care number
SOMETIMES YOUR SYSTEM ARE NOT WORKING SO EXECUTIVE TOLD ME TO CALL AGAIN.I HAD CALLED YOUR CUSTOMER CARE THRICE AND REPLY IS SAME THAT SOMEONE FROM CONCERN DEPARTMENT WILL CALL ME MY FIRST CALL WAS ON 5TH SEP AS MY DUE DATE IS ON 22ND SEP AND I THOUGHT I HAD GIVEN ENOUGH TIME TO RESOLVE BUT TILL DATE NO CALL KNOW TODAY IS 20TH AND ON 22ND I AM SURE YOU WILL CHARGE ME AGAIN FOR THIS

I am really annoyed by such poor support from you. when you want to emerge here In india.
Firstly I was thinking that you are the one who is very good in service but when needed and called I felt some different reality.
I need some urgent response on this as my billing date is very nearby 22nd.
what should I do ?

Regards,

Ritesh Wadhawan

CIBIL — cibil is illegal under 17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005

17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
Act title : NO. 30 OF 2005

Enactment date : [23rd June 2005.]


4. SECTION(CHAPTER II)
REGISTRATION OF CREDIT INFORMATION COMPANIES

5. SECTION(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.
[protected][protected][protected][protected]


Neither you deny nor you agree with my above Points It is Universal Truth that Silence is Signal of Affirmative.
I did intimated you that not a single Bank/Credit Institution have even filled any case of Recovery in any Judicial Court and have not got any Judicial Court Order
against me and my family members. Even though our Names are in your Negative Credit Information Report.


Dear Sir,
I acknowledge your mail dt.22/09/2008.I am failed to understand that why do you kick me like football. On one hand you say that Your Members supply data of Credit Information to you and you circulate to your other Members, so that you are well aware that who have created and supplied data of Credit Information and even though you ask me to approach your Member or to approach who have denied for Credit and to get 9 digit code from them and if they do not provide me then I should mail you name of such Institute/Bank with name of Officer, Branch and Telephone Number etc. Is it not Reverse Exercise? Though you are having full knowledge of your such Member?
It seems that you are Intentionally avoid to reply my following points:
(1) Your Commencement and Carrying on your Business in Republic India is Illegal. It Is Violation of Bank Act and CICRA 2005.
(2) You are circulating Credit Information to your other Members without verifying Strict Proof of any Judicial Court Order. In Republic India every Citizen has Right to get Justice, given by Constitution Of Republic India without any strict proof, only By saying one sided, it does not become Truth or Facts. Thus it is injustice to Victim of your Business, i.e. you are taking away Fundamental Right Of Indian Citizen. Therefore your Business is Unconstitutional. It is violation of Constitution of Republic India.
(3) As a result of your Illegal Business a young energetic with high ambition Indian Citizen’s Life becomes ruined, he constrained to go for suicide. Thus knowingly or unknowingly, you are part of worst result of your Illegal Business. It is an Offence Under Indian Penal code Section 304, 307 and 120(b).
(4) By your Illegal Business a young energetic Indian Citizen is being Defame. It is violation Defamation Act 1860, Under Section as below:


1. Act Name : THE INDIAN PENAL CODE, 1860
Act title : ACT NO. 45 OF 1860 1*

Enactment date : [6th October, 1860.]




36. SECTION(34.)
Acts done by several persons in furtherance of common intention.

. 1*[34. Acts done by several persons in furtherance of common intention.--When a criminal act is done by several persons in furtherance of the common intention of all, each of such persons is liable for that act in the same manner as if it were done by him alone.]



38. SECTION(36.)
Effect caused partly by act and partly by omission.

36. Effect caused partly by act and partly by omission. Wherever the causing of a certain effect, or an attempt to cause that effect, by an act or by an omission, is an offence, it is to be understood that the causing of that effect partly by an act and partly by an omission is the same offence. Illustration A intentionally causes Z's death, partly by illegally omitting to give Z food, and party by beating Z. A has committed murder

26. SECTION(24.)
"Dishonestly

24. "Dishonestly".--Whoever does anything with the intention of causing wrongful gain to one person or wrongful loss to another person, is said to do that thing "dishonestly".

46. SECTION(44.)
"Injury".
44. "Injury".--The word "injury" denotes any harm what ever illegally
caused to any person, in body, mind, reputation or property.


17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
Act title : NO. 30 OF 2005

Enactment date : [23rd June 2005.]


4. SECTION(CHAPTER II)
REGISTRATION OF CREDIT INFORMATION COMPANIES

5. SECTION(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.


Neither you deny nor you agree with my above Points It is Universal Truth that Silence is Signal of Affirmative.
I did intimated you that not a single Bank/Credit Institution have even filled any case of Recovery in any Judicial Court and have not got any Judicial Court Order
against me and my family members. Even though our Names are in your Negative Credit Information Report.
I hereby inform you finally to Delete our names with immediate effect under advise to me with in 3(Three) days, to avoid Legal Prosecution, failure to which I shall be constrained to initiate legal action which please be noted.
Thanking you,
Yours faithfully,
Manubhai V Mehta.(Senior Citizen)

C.C.To: Her Highness President Of India (With request to get me Justice)
Hon’ble Prime Minister.
Hon’ble Law and Justice Minister.
Hon’ble Finance Minister
My Lord Chief Justice Of Supreme Court Of India
(with request to consider - This letter as PIL)

CIBIL — Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005

17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
Act title : NO. 30 OF 2005

Enactment date : [23rd June 2005.]


4. SECTION(CHAPTER II)
REGISTRATION OF CREDIT INFORMATION COMPANIES

5. SECTION(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.
[protected][protected][protected][protected]

Dear Sir,
I acknowledge your mail dt.22/09/2008.I am failed to understand that why do you kick me like football. On one hand you say that Your Members supply data of Credit Information to you and you circulate to your other Members, so that you are well aware that who have created and supplied data of Credit Information and even though you ask me to approach your Member or to approach who have denied for Credit and to get 9 digit code from them and if they do not provide me then I should mail you name of such Institute/Bank with name of Officer, Branch and Telephone Number etc. Is it not Reverse Exercise? Though you are having full knowledge of your such Member?
It seems that you are Intentionally avoid to reply my following points:
(1) Your Commencement and Carrying on your Business in Republic India is Illegal. It Is Violation of Bank Act and CICRA 2005.
(2) You are circulating Credit Information to your other Members without verifying Strict Proof of any Judicial Court Order. In Republic India every Citizen has Right to get Justice, given by Constitution Of Republic India without any strict proof, only By saying one sided, it does not become Truth or Facts. Thus it is injustice to Victim of your Business, i.e. you are taking away Fundamental Right Of Indian Citizen. Therefore your Business is Unconstitutional. It is violation of Constitution of Republic India.
(3) As a result of your Illegal Business a young energetic with high ambition Indian Citizen’s Life becomes ruined, he constrained to go for suicide. Thus knowingly or unknowingly, you are part of worst result of your Illegal Business. It is an Offence Under Indian Penal code Section 304, 307 and 120(b).
(4) By your Illegal Business a young energetic Indian Citizen is being Defame. It is violation Defamation Act 1860, Under Section as below:


1. Act Name : THE INDIAN PENAL CODE, 1860
Act title : ACT NO. 45 OF 1860 1*

Enactment date : [6th October, 1860.]




36. SECTION(34.)
Acts done by several persons in furtherance of common intention.

. 1*[34. Acts done by several persons in furtherance of common intention.--When a criminal act is done by several persons in furtherance of the common intention of all, each of such persons is liable for that act in the same manner as if it were done by him alone.]



38. SECTION(36.)
Effect caused partly by act and partly by omission.

36. Effect caused partly by act and partly by omission. Wherever the causing of a certain effect, or an attempt to cause that effect, by an act or by an omission, is an offence, it is to be understood that the causing of that effect partly by an act and partly by an omission is the same offence. Illustration A intentionally causes Z's death, partly by illegally omitting to give Z food, and party by beating Z. A has committed murder

26. SECTION(24.)
"Dishonestly

24. "Dishonestly".--Whoever does anything with the intention of causing wrongful gain to one person or wrongful loss to another person, is said to do that thing "dishonestly".

46. SECTION(44.)
"Injury".
44. "Injury".--The word "injury" denotes any harm what ever illegally
caused to any person, in body, mind, reputation or property.


17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
Act title : NO. 30 OF 2005

Enactment date : [23rd June 2005.]


4. SECTION(CHAPTER II)
REGISTRATION OF CREDIT INFORMATION COMPANIES

5. SECTION(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.


Neither you deny nor you agree with my above Points It is Universal Truth that Silence is Signal of Affirmative.
I did intimated you that not a single Bank/Credit Institution have even filled any case of Recovery in any Judicial Court and have not got any Judicial Court Order
against me and my family members. Even though our Names are in your Negative Credit Information Report.
I hereby inform you finally to Delete our names with immediate effect under advise to me with in 3(Three) days, to avoid Legal Prosecution, failure to which I shall be constrained to initiate legal action which please be noted.
Thanking you,
Yours faithfully,
Manubhai V Mehta.(Senior Citizen)

C.C.To: Her Highness President Of India (With request to get me Justice)
Hon’ble Prime Minister.
Hon’ble Law and Justice Minister.
Hon’ble Finance Minister
My Lord Chief Justice Of Supreme Court Of India
(with request to consider - This letter as PIL)

have received information from the bank regarding defaulting in credit cards of icici Bank and my name is listed in the Defaulter List of CIBIL.

icici BANK have provided wrong information to the CIBIL. I have paid all the dues of icici Bank

But icici Bank has not send the data to CIBIL. MY credit card has declined because of the wrong information given by the bank to CIBIL.

I seek justice to get my names removed from the defaulter list with an immediate effect. I am ready to give all the proof and settlement letters issued by the concerned credit cards provider.

Please help to remive my name from civil.

Looking forward to a suitable action at the earliest form your end.

Regards
Dr. umesh saxena
f-202, shyam nagar ext. ram path sodala jaipur
[protected], [protected], [protected]
office
kautilya institute of tech. & engg.
[protected], 2770364

CIBIL — harresment from cibil,contact me i will help u to get out from cibil

i[censored] r facing a problem to get loans because of cibil please contact me, i will help u to get out from cibil list.
my email id is :[protected]@hotmail.com
my phone no is [protected]/[protected]/[protected]

SUB: serious complaint for cibil and bank's‏
From: manubhai mehta ([protected]@hotmail.com)
Sent: 07 March 2009 15:18PM
To: [protected]@gmail.com; [protected]@gmail.com; ashvin.n.[protected]@ril.com; [protected]@gmail.com; [protected]@yahoo.co.in; [protected]@thinkpeople.in; sandeep.y.[protected]@accenture.com; [protected]@cura.in; [protected]@gmail.com; [protected]@gmail.com; [protected]@gmail.com; P Som ([protected]@lntecc.com); [protected]@hotmail.com; r.[protected]@cro4india.org; [protected]@gmail.com; vidya iyer ([protected]@rediffmail.com); [protected]@moneycontrol.com


I Am fighting with cibil. and i assure all of you that we will win, because of our judicial system may it will take some time but dont give up we all have to fight to get justice and our fundamental rights as an indian. pleasee give your support to me to fight with them .this is the latest corrospondence i had with all higher authority of india like president of india, financeminister of india prime minister of india, deputy governour of RBI, Supreme court of india and also i wrote this to [protected]@moneycontrol.com i.e eletronic media, and further i want your suggestions that now i want to take up this mater with electronic media and flash this matter to all our india, for that i want your support so please confirm this as soon as possible.

[protected][protected][protected][protected]
From: [protected]@hotmail.com
To: [protected]@iba.org.in; [protected]@rbi.org.in; [protected]@finance.nic.in; [protected]@rb.nic.in; [protected]@moneycontrol.com; [protected]@consumergrievance.com; [protected]@rbi.org.in; [protected]@cibil.com; [protected]@sansad.nic.in; [protected]@nic.in; [protected]@rbi.org.in
CC: [protected]@yahoo.co.in; [protected]@gmail.com; [protected]@aihra.org; [protected]@hotmail.com; [protected]@yahoo.com
Subject: serious complaint for cibil and bank's
Date: Sat, 7 Mar 2009 14:16:09 +0530



Dear Sir,


All Banks provide Credit Information to CIBIL without any strict proof like any Judicial Court Order decree for recovery of their dues Any borrower is not defaulter debtor unless and until ther is any authentic Judicial Court Order Because of CIBIL many eligeble persons do not get Bank Loan Only small borrowers are victims of CIBIL It is injustice to small borrowers on other hand All Banks prepare their Balance Sheets to show rosy picture by showing false figures of Assets like Receivable amounts actually that is not all receivable A day will come on that a big scandle of many banks will come out like Satyam Computor and many bank will have to go for Insolvancy It must be stopped with immediate effects to save our Nation All Banks should not provide any credit information to CIBIL without any strict proof in the interest of natural justice Prompt and rapid action be taken CIBIL is illegal company as any company carring on a bussiness of credit information has to obtain a certificate of registration from RBI before commencement of bussiness.

it is mandatory under CIRCA(CREDIT INFORMATION REGULATING COMPANY ACT) we have recived a letter from RBI singed by V.S .DAS (EXECUTIVE DIRECTOR AND CPIO)stating that CIBIL has not obtain certificate of registration from the RBI till the day of the letter that means CIBIL is illegal company.even though sevaral complaint to RBI for CIBIL till today no action has been taken. WHy?

it's seems that CIBIL is working in colluation with RBI, MINISTRY OF FINANCE, and ALL INDIA BANK ASSOCIATION . to best of knowledge and belif it's seems that again we are repating the action of our fore father to go for slavery of other nation as in the past EAST INDIA COMPANY acted. it should be stopped with immidiate effect to save the nation and for the fast growth of our young energetic youth in the intrest of natural justice.



Thanking you,

your's faithfully



Manubhai V Mehta (Seniour Citizen)

Jt. Secretary of All Maharashtra Human Rights (Borivli unit)

REGD.NO.MAH/697/07/Thane

cibil is illegal under 17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
Act title : NO. 30 OF 2005

Enactment date : [23rd June 2005.]


4. SECTION(CHAPTER II)
REGISTRATION OF CREDIT INFORMATION COMPANIES

5. SECTION(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.
[protected][protected][protected][protected]

Dear Sir,
I acknowledge your mail dt.22/09/2008.I am failed to understand that why do you kick me like football. On one hand you say that Your Members supply data of Credit Information to you and you circulate to your other Members, so that you are well aware that who have created and supplied data of Credit Information and even though you ask me to approach your Member or to approach who have denied for Credit and to get 9 digit code from them and if they do not provide me then I should mail you name of such Institute/Bank with name of Officer, Branch and Telephone Number etc. Is it not Reverse Exercise? Though you are having full knowledge of your such Member?
It seems that you are Intentionally avoid to reply my following points:
(1) Your Commencement and Carrying on your Business in Republic India is Illegal. It Is Violation of Bank Act and CICRA 2005.
(2) You are circulating Credit Information to your other Members without verifying Strict Proof of any Judicial Court Order. In Republic India every Citizen has Right to get Justice, given by Constitution Of Republic India without any strict proof, only By saying one sided, it does not become Truth or Facts. Thus it is injustice to Victim of your Business, i.e. you are taking away Fundamental Right Of Indian Citizen. Therefore your Business is Unconstitutional. It is violation of Constitution of Republic India.
(3) As a result of your Illegal Business a young energetic with high ambition Indian Citizen’s Life becomes ruined, he constrained to go for suicide. Thus knowingly or unknowingly, you are part of worst result of your Illegal Business. It is an Offence Under Indian Penal code Section 304, 307 and 120(b).
(4) By your Illegal Business a young energetic Indian Citizen is being Defame. It is violation Defamation Act 1860, Under Section as below:


1. Act Name : THE INDIAN PENAL CODE, 1860
Act title : ACT NO. 45 OF 1860 1*

Enactment date : [6th October, 1860.]




36. SECTION(34.)
Acts done by several persons in furtherance of common intention.

. 1*[34. Acts done by several persons in furtherance of common intention.--When a criminal act is done by several persons in furtherance of the common intention of all, each of such persons is liable for that act in the same manner as if it were done by him alone.]



38. SECTION(36.)
Effect caused partly by act and partly by omission.

36. Effect caused partly by act and partly by omission. Wherever the causing of a certain effect, or an attempt to cause that effect, by an act or by an omission, is an offence, it is to be understood that the causing of that effect partly by an act and partly by an omission is the same offence. Illustration A intentionally causes Z's death, partly by illegally omitting to give Z food, and party by beating Z. A has committed murder

26. SECTION(24.)
"Dishonestly

24. "Dishonestly".--Whoever does anything with the intention of causing wrongful gain to one person or wrongful loss to another person, is said to do that thing "dishonestly".

46. SECTION(44.)
"Injury".
44. "Injury".--The word "injury" denotes any harm what ever illegally
caused to any person, in body, mind, reputation or property.


17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
Act title : NO. 30 OF 2005

Enactment date : [23rd June 2005.]


4. SECTION(CHAPTER II)
REGISTRATION OF CREDIT INFORMATION COMPANIES

5. SECTION(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.


Neither you deny nor you agree with my above Points It is Universal Truth that Silence is Signal of Affirmative.
I did intimated you that not a single Bank/Credit Institution have even filled any case of Recovery in any Judicial Court and have not got any Judicial Court Order
against me and my family members. Even though our Names are in your Negative Credit Information Report.
I hereby inform you finally to Delete our names with immediate effect under advise to me with in 3(Three) days, to avoid Legal Prosecution, failure to which I shall be constrained to initiate legal action which please be noted.
Thanking you,
Yours faithfully,
Manubhai V Mehta.(Senior Citizen)

C.C.To: Her Highness President Of India (With request to get me Justice)
Hon’ble Prime Minister.
Hon’ble Law and Justice Minister.
Hon’ble Finance Minister
My Lord Chief Justice Of Supreme Court Of India
(with request to consider - This letter as PIL)

SUB: serious complaint for cibil and bank's‏
From: manubhai mehta ([protected]@hotmail.com)
Sent: 07 March 2009 15:18PM
To: [protected]@gmail.com; [protected]@gmail.com; ashvin.n.[protected]@ril.com; [protected]@gmail.com; [protected]@yahoo.co.in; [protected]@thinkpeople.in; sandeep.y.[protected]@accenture.com; [protected]@cura.in; [protected]@gmail.com; [protected]@gmail.com; [protected]@gmail.com; P Som ([protected]@lntecc.com); [protected]@hotmail.com; r.[protected]@cro4india.org; [protected]@gmail.com; vidya iyer ([protected]@rediffmail.com); [protected]@moneycontrol.com


I Am fighting with cibil. and i assure all of you that we will win, because of our judicial system may it will take some time but dont give up we all have to fight to get justice and our fundamental rights as an indian. pleasee give your support to me to fight with them .this is the latest corrospondence i had with all higher authority of india like president of india, financeminister of india prime minister of india, deputy governour of RBI, Supreme court of india and also i wrote this to [protected]@moneycontrol.com i.e eletronic media, and further i want your suggestions that now i want to take up this mater with electronic media and flash this matter to all our india, for that i want your support so please confirm this as soon as possible.

[protected][protected][protected][protected]
From: [protected]@hotmail.com
To: [protected]@iba.org.in; [protected]@rbi.org.in; [protected]@finance.nic.in; [protected]@rb.nic.in; [protected]@moneycontrol.com; [protected]@consumergrievance.com; [protected]@rbi.org.in; [protected]@cibil.com; [protected]@sansad.nic.in; [protected]@nic.in; [protected]@rbi.org.in
CC: [protected]@yahoo.co.in; [protected]@gmail.com; [protected]@aihra.org; [protected]@hotmail.com; [protected]@yahoo.com
Subject: serious complaint for cibil and bank's
Date: Sat, 7 Mar 2009 14:16:09 +0530



Dear Sir,


All Banks provide Credit Information to CIBIL without any strict proof like any Judicial Court Order decree for recovery of their dues Any borrower is not defaulter debtor unless and until ther is any authentic Judicial Court Order Because of CIBIL many eligeble persons do not get Bank Loan Only small borrowers are victims of CIBIL It is injustice to small borrowers on other hand All Banks prepare their Balance Sheets to show rosy picture by showing false figures of Assets like Receivable amounts actually that is not all receivable A day will come on that a big scandle of many banks will come out like Satyam Computor and many bank will have to go for Insolvancy It must be stopped with immediate effects to save our Nation All Banks should not provide any credit information to CIBIL without any strict proof in the interest of natural justice Prompt and rapid action be taken CIBIL is illegal company as any company carring on a bussiness of credit information has to obtain a certificate of registration from RBI before commencement of bussiness.

it is mandatory under CIRCA(CREDIT INFORMATION REGULATING COMPANY ACT) we have recived a letter from RBI singed by V.S .DAS (EXECUTIVE DIRECTOR AND CPIO)stating that CIBIL has not obtain certificate of registration from the RBI till the day of the letter that means CIBIL is illegal company.even though sevaral complaint to RBI for CIBIL till today no action has been taken. WHy?

it's seems that CIBIL is working in colluation with RBI, MINISTRY OF FINANCE, and ALL INDIA BANK ASSOCIATION . to best of knowledge and belif it's seems that again we are repating the action of our fore father to go for slavery of other nation as in the past EAST INDIA COMPANY acted. it should be stopped with immidiate effect to save the nation and for the fast growth of our young energetic youth in the intrest of natural justice.



Thanking you,

your's faithfully



Manubhai V Mehta (Seniour Citizen)

Jt. Secretary of All Maharashtra Human Rights (Borivli unit)

REGD.NO.MAH/697/07/Thane

cibil is illegal under 17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
Act title : NO. 30 OF 2005

Enactment date : [23rd June 2005.]


4. SECTION(CHAPTER II)
REGISTRATION OF CREDIT INFORMATION COMPANIES

5. SECTION(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.
[protected][protected][protected][protected]


Neither you deny nor you agree with my above Points It is Universal Truth that Silence is Signal of Affirmative.
I did intimated you that not a single Bank/Credit Institution have even filled any case of Recovery in any Judicial Court and have not got any Judicial Court Order
against me and my family members. Even though our Names are in your Negative Credit Information Report.


Dear Sir,
I acknowledge your mail dt.22/09/2008.I am failed to understand that why do you kick me like football. On one hand you say that Your Members supply data of Credit Information to you and you circulate to your other Members, so that you are well aware that who have created and supplied data of Credit Information and even though you ask me to approach your Member or to approach who have denied for Credit and to get 9 digit code from them and if they do not provide me then I should mail you name of such Institute/Bank with name of Officer, Branch and Telephone Number etc. Is it not Reverse Exercise? Though you are having full knowledge of your such Member?
It seems that you are Intentionally avoid to reply my following points:
(1) Your Commencement and Carrying on your Business in Republic India is Illegal. It Is Violation of Bank Act and CICRA 2005.
(2) You are circulating Credit Information to your other Members without verifying Strict Proof of any Judicial Court Order. In Republic India every Citizen has Right to get Justice, given by Constitution Of Republic India without any strict proof, only By saying one sided, it does not become Truth or Facts. Thus it is injustice to Victim of your Business, i.e. you are taking away Fundamental Right Of Indian Citizen. Therefore your Business is Unconstitutional. It is violation of Constitution of Republic India.
(3) As a result of your Illegal Business a young energetic with high ambition Indian Citizen’s Life becomes ruined, he constrained to go for suicide. Thus knowingly or unknowingly, you are part of worst result of your Illegal Business. It is an Offence Under Indian Penal code Section 304, 307 and 120(b).
(4) By your Illegal Business a young energetic Indian Citizen is being Defame. It is violation Defamation Act 1860, Under Section as below:


1. Act Name : THE INDIAN PENAL CODE, 1860
Act title : ACT NO. 45 OF 1860 1*

Enactment date : [6th October, 1860.]




36. SECTION(34.)
Acts done by several persons in furtherance of common intention.

. 1*[34. Acts done by several persons in furtherance of common intention.--When a criminal act is done by several persons in furtherance of the common intention of all, each of such persons is liable for that act in the same manner as if it were done by him alone.]



38. SECTION(36.)
Effect caused partly by act and partly by omission.

36. Effect caused partly by act and partly by omission. Wherever the causing of a certain effect, or an attempt to cause that effect, by an act or by an omission, is an offence, it is to be understood that the causing of that effect partly by an act and partly by an omission is the same offence. Illustration A intentionally causes Z's death, partly by illegally omitting to give Z food, and party by beating Z. A has committed murder

26. SECTION(24.)
"Dishonestly

24. "Dishonestly".--Whoever does anything with the intention of causing wrongful gain to one person or wrongful loss to another person, is said to do that thing "dishonestly".

46. SECTION(44.)
"Injury".
44. "Injury".--The word "injury" denotes any harm what ever illegally
caused to any person, in body, mind, reputation or property.


17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
Act title : NO. 30 OF 2005

Enactment date : [23rd June 2005.]


4. SECTION(CHAPTER II)
REGISTRATION OF CREDIT INFORMATION COMPANIES

5. SECTION(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.


Neither you deny nor you agree with my above Points It is Universal Truth that Silence is Signal of Affirmative.
I did intimated you that not a single Bank/Credit Institution have even filled any case of Recovery in any Judicial Court and have not got any Judicial Court Order
against me and my family members. Even though our Names are in your Negative Credit Information Report.
I hereby inform you finally to Delete our names with immediate effect under advise to me with in 3(Three) days, to avoid Legal Prosecution, failure to which I shall be constrained to initiate legal action which please be noted.
Thanking you,
Yours faithfully,
Manubhai V Mehta.(Senior Citizen)

C.C.To: Her Highness President Of India (With request to get me Justice)
Hon’ble Prime Minister.
Hon’ble Law and Justice Minister.
Hon’ble Finance Minister
My Lord Chief Justice Of Supreme Court Of India
(with request to consider - This letter as PIL)

i want to withdraw the name in defaulter list of cibil or satyam on line list, i all ready settled the dues of rs. 13000/- against rs. 10000/- help me & what to do? this matter was happened in year of 2004

dear sir
we were agent of reliance comm. ccb (pco) for savarkundla taluka
amreli district. we have already left our agency for last 15 months.
we have give rs. 60000 as a deposit but company is not refunding it.
plz help us.

Barclays Credit Card — CIBIL record negative due to undue Late Fees

Sir / Madame,
This is regarding my Barclay's Card no [protected] statement dated 01/03/2008, the payment due date was 22/03/2008, in which I was charged late payment due the Barclays agency BSA logistics Private limited because the collection person had come after the due date (i.e. 22 march (Saturday) 2008 ).The Sum amount due was 32000/- and had requested the bank to send the collection person to collect the cheque week before the due date, Ramendra (collection agent) turned up on 24-march-2008 (Monday) to collect the cheque.
But from the next month I was charged with Late payment fees, when contacted the help line no. of Barclays advisers said the payment will be reversed. but nothing happened instead the my late payment kept on increasing month on month. I had to do regular follow ups with the manager and they promised that will do the reversal but nothing happened.
Now when I have applied for a Personal loan my CIBIL record shows negative.Please advise me what should I do?
I have also attached the payment respite for your records.

Thanks and regards

Hemant

Dear Sir,
I will help you for your matter, I will provide you all information regarding law as well as our fundamental rights, we have to fight to get our fundamental rights and naturle justice .it will take some time to win this battle but dont loss your hopes, and for your case today evening i will give you guideline, for how to fight. but you have to fight for your self. you dont have to spend a single rupee for that just give your time to fight for your self.

all the best,
Thanking you.
your's faith fully

MANUBHAI V MEHT(Senior Citizen)

Jt. Secretary of All Maharashtra Human Rights (Borivli unit)

REGD.NO.MAH/697/07/Thane


[protected][protected][protected][protected]---

"I VOTE NOBODY...as per the 1969 act, in section "49-O"

Dear All,

Did you know that there is a system in our constitution, as per
the 1969 act, in section "49-O" that a person can go to the
polling booth, confirm his identity, get his finger marked and
convey the presiding election officer that he doesn't want to vote
anyone!

Yes such a feature is available, but obviously these seemingly
notorious leaders have never disclosed it.
This is called "49-O". Why should you go and say "I VOTE
NOBODY"... because, in a ward, if a candidate wins, say by 123
votes, and that Particular ward has received "49-O" votes more
than 123, then that polling will be cancelled and will have to be
re-polled. Not only that, but the candidature of the contestants
will be removed and they cannot contest the re-polling, since
people had already expressed their decision on them. This would
bring fear into parties and hence look for genuine candidates for
their parties for election. This would change the way; of our
whole political system... it is seemingly surprising why the
election commission has not revealed such a feature to the public...

Please spread this news to as many as you know...

Seems to be a wonderful weapon against corrupt parties in India ...
show your power, expressing your desire not to Vote for anybody, is even more powerful than voting... so don't miss your chance.










This chain mail (one version is at the foot of this message) has been doing
the rounds for some time now, but is based on a complete misunderstanding of
the statutory provisions.


Neither the Consitution of India nor the Representation of the People Act,
1950 contain any provision to suggest that failure or refusal to vote can
have any bearing on the outcome of an election at which other people have
duly voted for the candidate of their choice. The provision in question,
"49-O", is actually a mere Rule which has been enacted in order to deal with
a peculiarity of the electronic voting system which India pioneered.


"The Conduct of Election Rules, 1961" have been framed under the
Representation of the People Act, 1961, and make detailed provisions for
everything from filing of nomination papers to casting of votes, counting of
votes, and the like. Separate provisions are made for direct elections such
as to Parliament and State Assemblies, and for indirect voting such as in
electoral colleges. Part IV of the Rules covers "Voting in Parliamentary
and Assembly Constituencies", while Part V covers "Counting of Votes in
Parliamentary and Assembly Constituencies". Part IV has two Chapters, with
Chapter I (Rules 28 to 48) applying to "Voting by Ballot", and Chapter II
(Rules 49-A to 49-X), which was added in 1992 to deal with the new
phenomenon of electronic voting, applying to "Voting by Electronic Voting
Machines".

Rule 49-O, which is part of Chapter II, has been introduced in order to
account for all electors who have attended and signed into the polling
station. In the case of voting by ballot, the actual number of ballot
papers issued are required to be tallied with the votes cast in order to
avoid any malpractice, and this account includes ballot papers which have
been properly marked, ballot papers which have been accidentally
torn/defaced, ballot papers which are seized from electors who refuse or
fail to put them into the ballot boxes, and so on. Since ballot papers are
physically verifiable and can be counted (whether from the ballot boxes or
from sealed envelopes containing defaced/torn/misused ballot papers), there
was no need prior to 1992 to have any special Rule to obtain the signature
of an elector who attended the polling process but refused or failed to cast
her/his vote.


However, when voting is done by electronic voting machines, there is no
physical manifestation of the vote. Hence, all accounting has to be done by
verification of the registers which are signed by the electors before going
behind the screen and punching a button on the voting machine. There being
no such thing as a blank or defaced or torn ballot, it became necessary to
provide that if an elector, after coming to the polling station and signing
in, refuses or declines to cast her/his vote, then a remark has to be made
in the register and the signature/thumb impression of the elector has to be
obtained against such remark. This remark/entry is then relied upon while
counting votes under Rule 66-A, which is a special Rule for counting of
votes cast in electronic voting machines, since the machine only records the
votes actually cast, and has no means of knowing how many people signed in
but failed/refused to cast their votes.


Rule 66-A read with Form 17-C make it clear that the purpose of Rule 49-O is
only to ensure that electors who fail to vote ater signing into the pollking
station have done so of their own accord and not due to any force or
coercion. Form 17-A is the form in which the polling booth register is to
be maintained, which is signed by all electors when they enter the polling
booth and are identified against the list of valid voters at that booth.
Form 17-C records the final count of votes as per Rule 66-A, and this has to
be signed by the election agents of all the candidates as it reflects the
final result of the tally. Column 6 of Form 17-C requires that the number of
electors who actually cast their votes as per the voting machine, be added
to the number of those who declined/refused to vote, i.e. those in respect
of whom a remark is entered against their names in the voting register (Form
17-A) under Rule 49-O, and that the total of these two figures should tally
with the total who signed the voter's register. In case of any discrepancy
in this total, the polling agents have to explain the discrepancy in Form
17-C. This is nothing but an accounting procedure devised in order to
ensure that there is neither any bogus voting, nor any force used to prevent
valid electors from casting their votes.


Importantly, there is nothing whatsoever in the Act or Rules to suggest that
if electors either individually or collectively decline to cast their votes
and get this fact recorded under Rule 49-O, then this would have any effect
whatsoever on the election. Elections are won (or lost) on the basis of
votes cast in favour of different candidates, and not on abstentions.
The Greek definition of "" remains as valid as ever, and Rule 49-O has
done nothing to elevate a person who refuses to vote out of that category.


Cheers.

Dear Sir,
I will help you for cibil matter, I will provide you all information regarding law as well as our fundamental rights, we have to fight with cibil to get our fundamental rights and naturle justice .it will take some time to win this battle but dont loss your hopes, and for your case today evening i will give you guideline, for how to fight with cibil and i m sure after that your name is surly deleted from cibil list. but you have to fight for your self. you dont have to spend a single rupee for that just give your time to fight for your self.

all the best,
Thanking you.
your's faith fully

MANUBHAI V MEHT(Senior Citizen)

Jt. Secretary of All Maharashtra Human Rights (Borivli unit)

REGD.NO.MAH/697/07/Thane

my email id is [protected]@hotmail.com
[protected][protected][protected][protected]---

"I VOTE NOBODY...as per the 1969 act, in section "49-O"

Dear All,

Did you know that there is a system in our constitution, as per
the 1969 act, in section "49-O" that a person can go to the
polling booth, confirm his identity, get his finger marked and
convey the presiding election officer that he doesn't want to vote
anyone!

Yes such a feature is available, but obviously these seemingly
notorious leaders have never disclosed it.
This is called "49-O". Why should you go and say "I VOTE
NOBODY"... because, in a ward, if a candidate wins, say by 123
votes, and that Particular ward has received "49-O" votes more
than 123, then that polling will be cancelled and will have to be
re-polled. Not only that, but the candidature of the contestants
will be removed and they cannot contest the re-polling, since
people had already expressed their decision on them. This would
bring fear into parties and hence look for genuine candidates for
their parties for election. This would change the way; of our
whole political system... it is seemingly surprising why the
election commission has not revealed such a feature to the public...

Please spread this news to as many as you know...

Seems to be a wonderful weapon against corrupt parties in India ...
show your power, expressing your desire not to Vote for anybody, is even more powerful than voting... so don't miss your chance.










This chain mail (one version is at the foot of this message) has been doing
the rounds for some time now, but is based on a complete misunderstanding of
the statutory provisions.


Neither the Consitution of India nor the Representation of the People Act,
1950 contain any provision to suggest that failure or refusal to vote can
have any bearing on the outcome of an election at which other people have
duly voted for the candidate of their choice. The provision in question,
"49-O", is actually a mere Rule which has been enacted in order to deal with
a peculiarity of the electronic voting system which India pioneered.


"The Conduct of Election Rules, 1961" have been framed under the
Representation of the People Act, 1961, and make detailed provisions for
everything from filing of nomination papers to casting of votes, counting of
votes, and the like. Separate provisions are made for direct elections such
as to Parliament and State Assemblies, and for indirect voting such as in
electoral colleges. Part IV of the Rules covers "Voting in Parliamentary
and Assembly Constituencies", while Part V covers "Counting of Votes in
Parliamentary and Assembly Constituencies". Part IV has two Chapters, with
Chapter I (Rules 28 to 48) applying to "Voting by Ballot", and Chapter II
(Rules 49-A to 49-X), which was added in 1992 to deal with the new
phenomenon of electronic voting, applying to "Voting by Electronic Voting
Machines".

Rule 49-O, which is part of Chapter II, has been introduced in order to
account for all electors who have attended and signed into the polling
station. In the case of voting by ballot, the actual number of ballot
papers issued are required to be tallied with the votes cast in order to
avoid any malpractice, and this account includes ballot papers which have
been properly marked, ballot papers which have been accidentally
torn/defaced, ballot papers which are seized from electors who refuse or
fail to put them into the ballot boxes, and so on. Since ballot papers are
physically verifiable and can be counted (whether from the ballot boxes or
from sealed envelopes containing defaced/torn/misused ballot papers), there
was no need prior to 1992 to have any special Rule to obtain the signature
of an elector who attended the polling process but refused or failed to cast
her/his vote.


However, when voting is done by electronic voting machines, there is no
physical manifestation of the vote. Hence, all accounting has to be done by
verification of the registers which are signed by the electors before going
behind the screen and punching a button on the voting machine. There being
no such thing as a blank or defaced or torn ballot, it became necessary to
provide that if an elector, after coming to the polling station and signing
in, refuses or declines to cast her/his vote, then a remark has to be made
in the register and the signature/thumb impression of the elector has to be
obtained against such remark. This remark/entry is then relied upon while
counting votes under Rule 66-A, which is a special Rule for counting of
votes cast in electronic voting machines, since the machine only records the
votes actually cast, and has no means of knowing how many people signed in
but failed/refused to cast their votes.


Rule 66-A read with Form 17-C make it clear that the purpose of Rule 49-O is
only to ensure that electors who fail to vote ater signing into the pollking
station have done so of their own accord and not due to any force or
coercion. Form 17-A is the form in which the polling booth register is to
be maintained, which is signed by all electors when they enter the polling
booth and are identified against the list of valid voters at that booth.
Form 17-C records the final count of votes as per Rule 66-A, and this has to
be signed by the election agents of all the candidates as it reflects the
final result of the tally. Column 6 of Form 17-C requires that the number of
electors who actually cast their votes as per the voting machine, be added
to the number of those who declined/refused to vote, i.e. those in respect
of whom a remark is entered against their names in the voting register (Form
17-A) under Rule 49-O, and that the total of these two figures should tally
with the total who signed the voter's register. In case of any discrepancy
in this total, the polling agents have to explain the discrepancy in Form
17-C. This is nothing but an accounting procedure devised in order to
ensure that there is neither any bogus voting, nor any force used to prevent
valid electors from casting their votes.


Importantly, there is nothing whatsoever in the Act or Rules to suggest that
if electors either individually or collectively decline to cast their votes
and get this fact recorded under Rule 49-O, then this would have any effect
whatsoever on the election. Elections are won (or lost) on the basis of
votes cast in favour of different candidates, and not on abstentions.
The Greek definition of "" remains as valid as ever, and Rule 49-O has
done nothing to elevate a person who refuses to vote out of that category.


Cheers.

harresment from cibil, contact me i will help u to get out from cibil

i[censored] r facing a problem to get loans because of cibil please contact me, i will help u to get out from cibil list.
my email id is :[protected]@hotmail.com
my phone no is [protected]/[protected]/[protected]

SUB: serious complaint for cibil and bank's‏
From: manubhai mehta ([protected]@hotmail.com)
Sent: 07 March 2009 15:18PM
To: [protected]@gmail.com; [protected]@gmail.com; ashvin.n.[protected]@ril.com; [protected]@gmail.com; [protected]@yahoo.co.in; [protected]@thinkpeople.in; sandeep.y.[protected]@accenture.com; [protected]@cura.in; [protected]@gmail.com; [protected]@gmail.com; [protected]@gmail.com; P Som ([protected]@lntecc.com); [protected]@hotmail.com; r.[protected]@cro4india.org; [protected]@gmail.com; vidya iyer ([protected]@rediffmail.com); [protected]@moneycontrol.com


I Am fighting with cibil. and i assure all of you that we will win, because of our judicial system may it will take some time but dont give up we all have to fight to get justice and our fundamental rights as an indian. pleasee give your support to me to fight with them .this is the latest corrospondence i had with all higher authority of india like president of india, financeminister of india prime minister of india, deputy governour of RBI, Supreme court of india and also i wrote this to [protected]@moneycontrol.com i.e eletronic media, and further i want your suggestions that now i want to take up this mater with electronic media and flash this matter to all our india, for that i want your support so please confirm this as soon as possible.

[protected][protected][protected][protected]
From: [protected]@hotmail.com
To: [protected]@iba.org.in; [protected]@rbi.org.in; [protected]@finance.nic.in; [protected]@rb.nic.in; [protected]@moneycontrol.com; [protected]@consumergrievance.com; [protected]@rbi.org.in; [protected]@cibil.com; [protected]@sansad.nic.in; [protected]@nic.in; [protected]@rbi.org.in
CC: [protected]@yahoo.co.in; [protected]@gmail.com; [protected]@aihra.org; [protected]@hotmail.com; [protected]@yahoo.com
Subject: serious complaint for cibil and bank's
Date: Sat, 7 Mar 2009 14:16:09 +0530



Dear Sir,


All Banks provide Credit Information to CIBIL without any strict proof like any Judicial Court Order decree for recovery of their dues Any borrower is not defaulter debtor unless and until ther is any authentic Judicial Court Order Because of CIBIL many eligeble persons do not get Bank Loan Only small borrowers are victims of CIBIL It is injustice to small borrowers on other hand All Banks prepare their Balance Sheets to show rosy picture by showing false figures of Assets like Receivable amounts actually that is not all receivable A day will come on that a big scandle of many banks will come out like Satyam Computor and many bank will have to go for Insolvancy It must be stopped with immediate effects to save our Nation All Banks should not provide any credit information to CIBIL without any strict proof in the interest of natural justice Prompt and rapid action be taken CIBIL is illegal company as any company carring on a bussiness of credit information has to obtain a certificate of registration from RBI before commencement of bussiness.

it is mandatory under CIRCA(CREDIT INFORMATION REGULATING COMPANY ACT) we have recived a letter from RBI singed by V.S .DAS (EXECUTIVE DIRECTOR AND CPIO)stating that CIBIL has not obtain certificate of registration from the RBI till the day of the letter that means CIBIL is illegal company.even though sevaral complaint to RBI for CIBIL till today no action has been taken. WHy?

it's seems that CIBIL is working in colluation with RBI, MINISTRY OF FINANCE, and ALL INDIA BANK ASSOCIATION . to best of knowledge and belif it's seems that again we are repating the action of our fore father to go for slavery of other nation as in the past EAST INDIA COMPANY acted. it should be stopped with immidiate effect to save the nation and for the fast growth of our young energetic youth in the intrest of natural justice.



Thanking you,

your's faithfully



Manubhai V Mehta (Seniour Citizen)

Jt. Secretary of All Maharashtra Human Rights (Borivli unit)

REGD.NO.MAH/697/07/Thane

cibil is illegal under 17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
Act title : NO. 30 OF 2005

Enactment date : [23rd June 2005.]


4. SECTION(CHAPTER II)
REGISTRATION OF CREDIT INFORMATION COMPANIES

5. SECTION(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.
[protected][protected][protected][protected]

Dear Sir,
I acknowledge your mail dt.22/09/2008.I am failed to understand that why do you kick me like football. On one hand you say that Your Members supply data of Credit Information to you and you circulate to your other Members, so that you are well aware that who have created and supplied data of Credit Information and even though you ask me to approach your Member or to approach who have denied for Credit and to get 9 digit code from them and if they do not provide me then I should mail you name of such Institute/Bank with name of Officer, Branch and Telephone Number etc. Is it not Reverse Exercise? Though you are having full knowledge of your such Member?
It seems that you are Intentionally avoid to reply my following points:
(1) Your Commencement and Carrying on your Business in Republic India is Illegal. It Is Violation of Bank Act and CICRA 2005.
(2) You are circulating Credit Information to your other Members without verifying Strict Proof of any Judicial Court Order. In Republic India every Citizen has Right to get Justice, given by Constitution Of Republic India without any strict proof, only By saying one sided, it does not become Truth or Facts. Thus it is injustice to Victim of your Business, i.e. you are taking away Fundamental Right Of Indian Citizen. Therefore your Business is Unconstitutional. It is violation of Constitution of Republic India.
(3) As a result of your Illegal Business a young energetic with high ambition Indian Citizen’s Life becomes ruined, he constrained to go for suicide. Thus knowingly or unknowingly, you are part of worst result of your Illegal Business. It is an Offence Under Indian Penal code Section 304, 307 and 120(b).
(4) By your Illegal Business a young energetic Indian Citizen is being Defame. It is violation Defamation Act 1860, Under Section as below:


1. Act Name : THE INDIAN PENAL CODE, 1860
Act title : ACT NO. 45 OF 1860 1*

Enactment date : [6th October, 1860.]




36. SECTION(34.)
Acts done by several persons in furtherance of common intention.

. 1*[34. Acts done by several persons in furtherance of common intention.--When a criminal act is done by several persons in furtherance of the common intention of all, each of such persons is liable for that act in the same manner as if it were done by him alone.]



38. SECTION(36.)
Effect caused partly by act and partly by omission.

36. Effect caused partly by act and partly by omission. Wherever the causing of a certain effect, or an attempt to cause that effect, by an act or by an omission, is an offence, it is to be understood that the causing of that effect partly by an act and partly by an omission is the same offence. Illustration A intentionally causes Z's death, partly by illegally omitting to give Z food, and party by beating Z. A has committed murder

26. SECTION(24.)
"Dishonestly

24. "Dishonestly".--Whoever does anything with the intention of causing wrongful gain to one person or wrongful loss to another person, is said to do that thing "dishonestly".

46. SECTION(44.)
"Injury".
44. "Injury".--The word "injury" denotes any harm what ever illegally
caused to any person, in body, mind, reputation or property.


17. Act Name : THE CREDIT INFORMATION COMPANIES (REGULATION) ACT, 2005
Act title : NO. 30 OF 2005

Enactment date : [23rd June 2005.]


4. SECTION(CHAPTER II)
REGISTRATION OF CREDIT INFORMATION COMPANIES

5. SECTION(3.)
Prohibition to commence or carry on business of credit information.

3. Prohibition to commence or carry on business of credit information.-Save as otherwise provided in this Act, no company shall commence or carry on the business of credit information without obtaining a certificate of registration from the Reserve Bank under this Act.


Neither you deny nor you agree with my above Points It is Universal Truth that Silence is Signal of Affirmative.
I did intimated you that not a single Bank/Credit Institution have even filled any case of Recovery in any Judicial Court and have not got any Judicial Court Order
against me and my family members. Even though our Names are in your Negative Credit Information Report.
I hereby inform you finally to Delete our names with immediate effect under advise to me with in 3(Three) days, to avoid Legal Prosecution, failure to which I shall be constrained to initiate legal action which please be noted.
Thanking you,
Yours faithfully,
Manubhai V Mehta.(Senior Citizen)

C.C.To: Her Highness President Of India (With request to get me Justice)
Hon’ble Prime Minister.
Hon’ble Law and Justice Minister.
Hon’ble Finance Minister
My Lord Chief Justice Of Supreme Court Of India
(with request to consider - This letter as PIL)

Hi
The same situation is laying with me ..one side CIBIL use to act against customers without verifying the complaints of the bank whether that customer has really availed the services or not but they do not use to take against these banks...which are are notorious about their work ...

I fully agree and would like to fully cross all the related documents from banks before addind some ones name in defaulters list as wrong will amount to injustice and putting innocent persons in trouble.RBI has to ennact law to punish CIBIL for wrong enteries thus saving innocent sufferers from harassment.

I am fully agree with you. Bankers are threating the people to send their name to CIBIL without even listning to them.

nation must ENACT a strong Law to punish CIBIL if found Guilty

It seems the member banks/institutions are making a mockery of the whole purpose of CIR. CIBIL, which encompasses collecting credit information from its members and disseminating the same back to them in the form of credit information reports, does not verify the correctness of information provided by member banks. That means a member bank can willfully make an individual a defaulter wihout even giving an opportunity to the party to express his/her side of the story or it can withheld correct information or delay updated informatioon.

I have the opportunity to get a copy of my CIR and really surprised to see more than 7 errors in the report, which I can prove to any court of law in this country. Also the my CIR shows that bank never updates the information periodically. I can show a loan which I closed in year 2006 still find still find place in the CIR as open with current due. If this is the way CIBIL disseminates info to member banks, I am very sure it will end up in deep trouble

Dear Sir,


I also face a similar problem of having my name is cibil list due to no fault of my.

Cud u advise how to proceed and save from hazzles.

Sita

i have a credit balance due of rs.6, 191 from a banker against one of a credit card but i dont have any information about that credit amout, my control no. is 39, 43, 92, 534, this is a kind request plz send me the details of my credit account.i have added my email id herewith.


thanking you,

mr.dilip kumar das

against my previous email i did not any feedback yet, plz help me as soon as possible, (EMAIL [protected]@gamail .com, ...member reference no.BS00012874


thanking you,

MR.DILIP KUMAR DAS

This is Syed victim of Barclay bank..

I have received the Barclay card last year and i have never ever used it outside. Within 5 days of time bank people called me saying that we will put you in lombard insurance so i said okey i will pay which is monthly 700 till 6 months.. then within 10 days of time they again called and told that you are in priority circle option so if you pay 5000 you will get benifits i said let me think all this.. but they sent firs statement itself with all priority circle amount and insurance along with 1200 taxes. I said revert the priority amount which is optional and send me the original insurance amount statement they have rejected saying i need to pay all amount.. for this i started fight with them saying who you are to force me to pay the priority amount which is not at all mandatory. Almost i wasted lot of money calling them and i sent so many mails but they never ever responded for my request, now they are saying that after you request which i made in july they reverted the amount in december means almost after 6 months of my request and asking to may other all amount with late payment all those. I asked them why you have not reverted when i requested you ? No answer for them and no they are saying will go for settlement. They entered my name in CIBIL also.

My question to all the banks who are rejecting the loan..

1) If one good customer who is earning 50k per month and asking you for just 2 lacks loan, you are simply rejecting saying your name is in CIBIL with over due of 1500, so is that the matter for a person who is earing 50k to pay 1500. Who will be in loss ? If my name is entered by barclay and if other banks are not giving loans means other banks are fools because barclay is reducing other banks business.

2) Why banks are not taking proper proofs and explanation from customer, check customer other options like salary and other information, only because of name in CIBIL not providing loans means banks are in loosing their valuable customers.

3) Why the CIBIL is blindly putting the names of the people given by bank why they are not contacting the persons and why the are not taking explanations, it means CIBIL in onside worker means only for banks they will work what ever it may be. I think if banks will put bill gates name or some richest person name then also CIBIL will enter the name of them blindly it seems.

All banks need to think about their business not the other banks complaints..

Regards
Syed

I am a prcticing chartered accountant and am willing to help you in your fight .Do please ask me about the legal issues involve in banking regulation act and other act and i will provide u input without any obligation

I really appreciate your move to fight against this illegal SIBIL sight. In our country even a criminal's identity who may have commited murder, remains undisclosed till he/she goes through the trials and finally convicted by the honble' court of justice. But here, the consumers are exposed without any proof or reason based only on the information provided by the bankers or financial institutions and anounced publically as criminals for a financial fraud which they may have not commited. There is no chance for them to stand against the wrong information provided to blacklist them even though every one knows that majority of the non-public sector banks are involved in fraudulant charges imposed on the credit card users or borrowers. For your information, more than 20% cases in the consumer forum readdressal cells are against the Finacial institutions, Banks and/or Insurance companies.

Therefore I request honble' Chief Justice of India and RBI officials to take serious note of SIBIL site hich is providing wrong information of credit worthy citizens of India.

Credit information is a good idea but the information should have solid base and approval by the Govt. of India after obtaining a reply an evidence from the borrower and the lender both.

This will not only help defuse the matters by settling in the cases where the borrower may have really defaulted but also make people understand the importance of credibility. Ofcourse, Financial institutions will also not exploit the customers with undue charges.

Sandeep Aggarwal
A victim of SIBIL for no default

Respected Mehtaji,

I fully agreed with you and I strongly support your move against the atrocities of foreign banks .
The activities of CIBIL is against the norms of Indian constitution and it violates laws of India .
I earnestly appeal to Her Excellency President of India, My Lord His Excellency Chief Justice of India, Hon'ble Prime Minister of India, Hion'ble Finance Minister of India, Hon'ble Law Minister of India and Hon'ble Chief Minister of Maharastra and Hon'ble Cheif Minister of all states and all Hon'ble MPs and MLAs of India to send stern message to CIBIL and all Foreign and Private Banks to stop such type of activities as their activities are not only illegal but also against the interest of whole nation.

I am also sending my earnest appeal to all Hon'ble police authorities of different states and Hon'ble Chairman of RBI to take drastic action against those persons who are involving themselves in such type of illegal activities .

With best regards

Prof S.Bhattacharya

Dear everybody,

The complaints on this site against CIBIL are going to remain as mere complaints, unless positive action is initiated. Those who can do so, must approach the Courts i.e. Consumer, High Court / Supreme Court. Each o[censored]s can easily initiate action on our own or with the help of consumer forums, in the Consumer courts. This would be the best start. Writing on the website or making complaints in writing to the bureaucrats concerned or the High and mighty, is not goingto yield any results, because they are either too busy taking care of their own interests or they profess to be looking after the country's interests. The concerned agency which can make a difference to this struggle, is the RBI. Each and every one o[censored]s should RTI (Right to Informatiion Act) it. Simultaneously, the concerned Head office of the concerned Banks which refused the loan, should be RTI 'ed. I am going to initiate this with CAG, which is a responsive consumer group in Chennai. We need to pool in the points against CIBIL, that will eventually make the Banks see sense and act sensibly. Many of the points are already available, a few more can be contributed by all the aggrieved. Here is a consolidated list of points.

a. CIBIL appears to be operating without the approval of the RBI.

b. CIBIL appears to have been initially initiated by individuals, in the banking sector, before the SBI-HDFC-Dun&Bradstreet-Transunion tie up.

c. It is a thoroughly profit oriented organisation.

d. RBI ssems to have only "advised" its member banks, to submit data pertaining to defaulters.

e. RBI seems to have only advised the submission of data, pertaining to "wilful" defaulters, of Rs. 25 lakhs and above. (Cheer up, we are all in exalted company!!!).

f. Reams of data, pertaining to all individual transactions appear to have been submitted to CIBIL, by the Banks and other institutions.

g. It is common sense that, to justify a default, the default needs to be compared vis-a-vis a normal / undefaulted payment. So, who does the segregation of the defaults from the norml transactions, before submitting the defaults, to CIBIL? It appears that no one is doing it. Your transaction data appears to have been transferred en-masse to CIBIL. (Most banks do not have time to update your passbook and to tally their daily transactions!!!). Look at the mind boggling avenues for the Banks and other financal agencies, to misuse your transaction data.

h. Who / what is the person/persons/mechanism, to ensure that only the defaulting data is received or retained in CIBIL servers?

i. Who checks for the integrity of the submitted data, at CIBIL? What mechanism is employed for that? Is there a third party audit, of CIBIL's records and methods. I have never heard of a C&AG audit of CIBIL's facilities or records. High time for call for one, by the C&AG, as well as private audit.

j. A reading of the CIBIL disclaimer clearly indicates (loud and clear) that they ar not responsible for the veracity and accurateness of the data given by them!!! So, why are Bank officials and Managers, especiallly of the government owned ones, so dependent on CIBIL? It is time to sack a few of them, especially those who had given the instruction to depend on CIBIL. This someone has to be someone necessarily at the top of the chain. Does this person know, to read and understand plain English?

k. Are the private institutions, especially the foreign banks like Citibank refusing loans and credit cards, to new customers, because of CIBIL?

l. If you have an existing loan and ask for a top-up or additonal loan, from the same agency / bank, it appears that CIBIL rating can go to hell. You get your additional loan or at least an offer for addditional loan!!!

m. Who gave the instructions to the Banks that CIBIL rating should be the key parameter to offer a loan. This would give us the key to understand, who the interested party / ultimate benefiiaciary is.

n. Most of the CIBIL non-member Banks and institutions are submitting and obtaining data, from it, by paying for it. So, to whom does this profit go? Who pays for this fees? Is it not the consumer? Remember, the intial processing fee charged by the Bank / lender, before they consult CIBIL, They return back a portion of it, after rejecting your application!!! Does'nt this look like another scheme formulated by the concerned Banks and foreign lenders, to milk cash out from you, to refuse your loan? I'll bet that none of the Banks/ agencies would be able to properly account for this cash pinched from you, because they cannot surely justify the processing fee, when all they did was to check your CIBIL rating!!!. Hope that the Income Tax and Service Tax department look into this.

o. Who does the updation of CIBIL data? Is that error free? Are the concerned banks informed about the updated status regularly?

p. Whose cash is being doled out, as loans? Isnt it the money earned by the differential interest earned from you and me, too? So, why cant we have a say in who keeps this money? High time to go in for a centralised and single Bank, which will maintain all the data and the funds, pertaining to all o[censored]s, so that the Banks get over their paranoia of bad debts. Foreigners, not allowed, please.

q. Can the lenders not differentiate between bad debts, delayed payments and defaults? What happened to the good old bucket system of credit rating, where borrowers were graded on different parameters?

r. If this system of CIBIL, was so foolproof, why was it not employed in the USA and Europe to prevent the sub-prime crisis? Maybe, we are the first country in the whole world to have such an ingenious system!!!

s. It is unclear as to how, by collecting the data for a 2 year period, the expert banker (perhaps psychologist too) can divine surely, that the borrower would be a defaulter in future? Imagine what happens, if they collect your five year data, they would be able to predict, your defaults even in your next re-birth!!!

The RTI, is a potent weapon, in the hands of the seeker of justice.

Happy Hunting & Regards
Saran

yes iagree how can we take cibil as the ultimate judicial authority then what is need of a court, we have to protest this only after a judement then a decre has to be passed on to person how can bank disclouse a persons confiedtial doument to another bank without asseing .

If people of India move it in court they must be defeat as they was violating Indian constitution and law of the land . Banks are keeping undated cheque forcefully from customers, that is fully illegal and RBI should ask all banks who are giving personal loan to return those cheques to customers as Banks are violating the Negotiable Instrument Act as Cheques are treated as promissory notes .

There is no law in India by which Private and Foreign Banks can hold blank, undated and post dated cheques for indefinite period .

As per international law also post dated cheques are valid for 6months only from the date of signing on it . Forensic Test can open the secret also .

But one thing is very clear Citi Bank's all business are illegal and they are main fraud bank of the world. If you legally challenge them, they can't reply properly . Even if they reply, they will take printout of signature and will put at the place of signature as they know the business of Citi Bank is totally illegal and they can't recover any money on right way .

Please understand this is the bank of the world whose executives has no courage to put signature on pagers, they are taking signature from computer printout and pasting it .

Citi Bank is already in self created trap.

If CIBIL tries to save them illegally, CIBIL has to face a lot of legal and constitutional questions.

India is awakening . Citi and CIBIL shouldn't ignore Indian's powers

Keeping undated and post dated cheques is crime by Private Banks as security .
But Banks are doing this illegal practice openly .

Why banks are allowed to do such illegal practice ?

As as per international law that post dated cheque is illegal after 6 months from the date of signature on cheque, Government should ask all banks to all undated and post dated cheques to customers as presentation of those cheques are illegal.

I would like to request all senior advocates to bring this matter under the notice of appropriate court by which Hon'ble court can give proper verdict on it.

I earnest appeal to all senior advocates to verify the possibility to conduct forensic
tests on the cheques when personal loan department of banks will submit those cheques to Banks in order to create dispute with their customers .

As post dated cheques are illegal after 6 months fropm the date of signing on it . better way to conduct forensic tests on those cheques to give proper justice to the citizens of India .

As per law of India all citizens of India are entitled to get proper justice .

So that I would like to request all citizens of India to move against private banks in this regard.

Submitting undated cheques after 6 months or 180 days from the date of signature on cheques is obviously a crime to any court of law .

But most of the time people are not approaching to Hon'ble courts to conduct forensic tests on those cheques.

As it is international law, banks are bound to obey this law.

credit card information- member not disclosed — deletion of enquiry report dated 30/11/2007

Dear sir,

With reference to your information submitted to the State Bank of India Secbad,wide control numbers 40, 60, 66, 18, 182 showing an enquiry was made on 30/11/2007 by undisclosed member(company not named) for issuance of credit card for Rs 3,00,000.(three lacs).

Please note that i do not possess any credit card of any company including SBI. Therefore you are requested to delete this false information from your records forewith.

Please revert to my mailing address, e-mail and phone number

Address- Priyanka Apartments
Flat 403, Busireddyguda, West Maredpalli,
Secbad- 5000026
Andhra Pradesh
e-mail- [protected]@yahoo.com
Mobile - [protected]

Yours Sincierly
David Kadari

I would also like to know if anybody regulates the banks as strictly?

Dear Sir,

With ref to the abv and the statement furnished by you to SBI bank-kormangala personal banking branch towards my take over loan, there are 2 transactions which are showing as written off, I wish if i could the details -

1. for amount Rs.18, 560 - this was from ICICI cards as my card was stolen on 15th aug'07 and somebody else has swiped and i had lodged a complaint which they had reversed after initial debit and found that i have not used the card, ,
2. for amount Rs.44, 000 - this does not pertain to me as I never had any out standing with any credit card to this extent and neither it wasn't settled in any manner for this amount with any bank, also Pls note this transaction dates back to the card which i possessed from 2004, , (only possibility would be of Citibank, but no such big transactions)all the amount has been paid, Also pls note in the year 2007 sept, I have availed site loan from HDFC, this transaction has not reflected in any manner, surprised about this appearing now !

I would request a response for clarifying the same as my loan process is held up pls rush the details to me,

Thanks and regards,
Sathish.G.C (Sathish Gubbi Channabasavaiah)
Pan # : ASPS0344k

Mr Mehta I too am a senior citizen and has failed to get much information either from the RBI or CIBIL. These bas***ds should be consigned to history by some terrorists or the home grown naxals. This govt is Unworhty and fit to fool everyone in the name of terrorists all the time. SO forget getting any justice from these unworhties maybe the GoI, RBI or any socalled elected minister.

Fighting for CIBILL is right thing and right way which could save people of india and there needs, which was really massacared up by some people for there
own interest and fees. It will not work long as it stared working. the system is not applicable for people for in position, pl. look for indian system or one day bank staff started selling file and waste paper.for me I am already using post office or lic
only keeping bank account for salary, thro the system as we thro egnlish .Bank which are following this general request that stop the buisness with them .

Hi Sir, i had applied a personal loan in citi financial but my file has got regeted bcoz of they told me your cibil report is " 0 " showing in cibil data base. but i never done a default with finacial sector and telecom also. I am having a standard charterd credit card only with the limit of 20000/- rs and I have good relation with standard charterd and never make the payment with late fee. According to citi financial they need some score in cibil than they will approved my personal loan so kindly suggest me, what i do ...i am very need full ... kindly revert ...i will wait for your suggestion, , , , , [protected]@yahoo.com

I am giving full support to you for your fight againist CIBIL.
I too have became a victim of this and have suffered a lot.

MY DEAR MANUBHAI V MEHTAJEE,

I AM A LITTLE LEGAL FIGHTER WITH WARIOR'S SPIRIT. I NEVER QUITE EVEN IF GREAT FAILURE GLARE AT ME BECAUSE PETTY DEFEAT TO ME CAN BE A DETOUR AND NOT A DEAD END. I DONT FORGET THOSE WHO FAUGHT FOR ME AND AS WELL AS THOSE WHO FAUGHT WITH ME!
I WORK FOR A CAUSE AND NOT FOR APLAUSE. I LIVE MY LIFE TO EXPRESS AND NOT FOR IMPRESS. I DO NOT STRIVE TO MAKE MY PRESENCE NOTICED, JUST MAKE MY ABSENCE FELT!
I WANT TO SET UP A NON GOVERNMENT ORGANIZATION OF CONCERNED CITIZENS DEDICATED TO MAXIMIZE ACCOUNTABILITY, RESPONSIVENESS AND TRANSPARENCY OF GOVERNMENT INSTITUTIONS, ELECTED REPRESENTATIVES AND GOVERNMENT MACHINERIES TOWARDS GENERAL POPULACE.
MY FOCUS IS NOT ON INVESTIGATING INDIVIDUAL CASES OF CORRUPTION AND MALPRACTICE BUT ON BUILDING HOLISTIC SYSTEM TO COMBAT CORRUPTION.
I LIKE TO INITIATE DEBATE AND DIALOGUES ON IMPORTANT PUBLIC ISSUES, DISSEMINATE RESEARCH FINDINGS TO CONTRIBUTE KNOWLEDGE AND UNDERSTANDING OF SOCIETY AND THUS HELP IN BETTER INFORMED DECISION MAKING.
I BELIEVE THAT VERACITY CAN BE AFFLICTED AND NOT VANQUISHED! - MADANSINGH TANWAR ALIAS MADANBHAI- WRITER AND AN EDITOR.
MY CONTACTS ARE: [protected];[protected]
EMAIL: [protected]@gmail.com;[protected]@gmail.com
WEBPAGE: http://www.madanbhai.com/

I WOULD LIKE TO JOIN YOUR ALL MAHARASHTRA HUMAN RIGHTS COMMISSION.

LOT CAN HAPPEN OVER OUR TOGETHERNESS!

CIBIL is nothing but the in India. This kind of illigle activity can arise only in india.
Manu bhai you fight I am with you at any rate. you can call me on [protected], if you need me for this
unlawfully organization.

you did right approach to the aforesaid controverses regarding the hairassiements too!

hi sir, i am getting this kind of mail by ur name V.S.Das, executive director,
i dont know it is true or false, but please check this mail.

thankyou
dhruva





Date: Wed, 6 Apr 2011 10:44:33 +0530
Subject: Reg: RBI/REF/2010-011/1453
From: [protected]@inrbi.org.in
To: dhruva.[protected]@hotmail.com











YOU ARE WELCOME TO RESERVE BANK OF INDIA (RBI). WE ARE PLEASED TO BE AT YOUR SERVICE.








RBI/REF/2010-011/1453
DBOD.FSD.BC.49/25.03.011/2011-12








IN LIEU TO THE TRANSFER OF YOUR FUNDS,








ATTN: DHRUVA NARAYANA M,




This is to officially acknowledged the receipt of your email, it content was well noted. Attached is a scan copy of the cheque as received from the UNIVERSAL MOBILE AWARD.


Here is the payment details:




BANK NAME: STATE BANK OF INDIA


ACCOUNT NAME: RITESH SHARMA


ACCOUNT NUMBER: [protected]


PAN NUMBER: DDIPS4310F


IFSC CODE: SBIN0011542


AMOUNT: Rs. 39, 700/-




As soon as you make the deposit, you are to scan and send to us a scan copy of the deposit receipt. Your funds will be register within 4hrs of payment confirmation.




Best regards,





Shri V.S.Das
Executive Director,
Central Public Information
Officer Reserve Bank of India Central




©Reserve Bank of India All Rights Reserved.


This e-mail contains confidential information or information belonging to and is intended solely for the addressee. The unauthorized disclosure, use, dissemination or copying (either whole or partial) of this e-mail, or any information it contains, is prohibited. E-mails are susceptible to alteration and their integrity cannot be guaranteed. RESERVE BANK OF INDIA (RBI) shall not be liable for this e-mail if modified or falsified. If you are not the intended recipient of this e-mail, please delete it immediately from your system and notify the sender of the wrong delivery and the mail deletion. Consider the environment before printing this email. RESERVE BANK OF INDIA (RBI) and/or any of its subsidiaries and/or affiliates each reserve the right to /monitor all email communications through its networks, RBI do not receive calls from individuals.



[protected][protected][protected][protected][protected][protected][protected][pr...⇄ Tue, 5 Apr 2011 13:14:49 +0530
Subject: Reg: RBI/REF/2010-011/1453
From: [protected]@inrbi.org.in
To: dhruva.[protected]@hotmail.com









YOU ARE WELCOME TO RESERVE BANK OF INDIA (RBI). WE ARE PLEASED TO BE AT YOUR SERVICE.








RBI/REF/2010-011/1453
DBOD.FSD.BC.49/25.03.011/2011-12








IN LIEU TO THE TRANSFER OF YOUR FUNDS,








ATTN: DHRUVA NARAYANA M,




This is to officially acknowledged the receipt of your return form, its content is well noted and processing the remittance of your funds to your home account will commerce immediately. Your winning Cheque of £1, 000, 000.00 GBP (One Million Great British Pound Sterling) received from the UNIVERSAL MOBILE AWARD board on behalf of your British High Commission, New Delhi, India need to be registered.


We want you to know that after the scrutinizing of your winning cheque we notice that the funds is written in hard currency which is Great British Pound Sterling(GBP).

Due to the present constitution which has just been adjusted by the Indian Government, the won Cheque has to be registered with this company RBI before we can commence your Job by converting and transferring into your local bank account here in India, the registration fee demanded by the accounting department is the sum of Rs. 39, 700/-

Once your winning bank draft is registered, the money will be converted into Rupees from GBP so that it can be transferred into your local bank account. Mean while we want you to send scan copy of your Pan Card, Drivers License or Voters Identity for documentation and transfer process and we want you to send your local bank account details for transfer before we can receive the registration fee from you.

NOTE: IF YOU ARE OPERATING A CURRENT ACCOUNT YOU ARE REQUIRED TO SEND US YOUR BANK ACCOUNT INFORMATION FOR YOUR TRANSFER BUT IF YOU DO NOT HAVE A CURRECT ACCOUNT, YOU ARE REQUIRED TO SEND TWO (2) SAVINGS BANK ACCOUNT FOR US TO TRANSFER YOUR FUNDS AS SOON AS POSSIBLE.

In respect of that, Kindly response to this mail to enable us provided payment details/instruction to you for the deposit of the registration charges. The amount required is Rs. 39, 700/-


Note; The whole processing will take only two working hours if you can meet up with our requirements.





Best regards,





Shri V.S.Das
Executive Director,
Central Public Information
Officer Reserve Bank of India Central




©Reserve Bank of India All Rights Reserved.


This e-mail contains confidential information or information belonging to and is intended solely for the addressee. The unauthorized disclosure, use, dissemination or copying (either whole or partial) of this e-mail, or any information it contains, is prohibited. E-mails are susceptible to alteration and their integrity cannot be guaranteed. RESERVE BANK OF INDIA (RBI) shall not be liable for this e-mail if modified or falsified. If you are not the intended recipient of this e-mail, please delete it immediately from your system and notify the sender of the wrong delivery and the mail deletion. Consider the environment before printing this email. RESERVE BANK OF INDIA (RBI) and/or any of its subsidiaries and/or affiliates each reserve the right to /monitor all email communications through its networks, RBI do not receive calls from individuals.








On Tue, Apr 5, 2011 at 1:03 PM, dhruva m <dhruva.[protected]@hotmail.com> wrote:

hi sir,
please find the attachment,




regards

dhruva narayana m


[protected][protected][protected][protected]
Date: Mon, 4 Apr 2011 14:24:58 +0530
Subject: RBI/REF/2010-011/1453
From: [protected]@inrbi.org.in
To: dhruva.[protected]@hotmail.com












YOU ARE WELCOME TO RESERVE BANK OF INDIA (RBI). WE ARE PLEASED TO BE AT YOUR SERVICE.








RBI/REF/2011-012/1453
DBOD.FSD.BC.49/25.03.011/2011-12








IN LIEU TO THE TRANSFER OF YOUR FUNDS,








ATTN: DHRUVA NARAYANA M,




We have received a parcel from UNIVERSAL MOBILE AWARD, upon opening of the parcel; We find your winning CHEQUE of the total sum of £1, 000, 000.00 GBP and some other documents.


Attached to the email is the application form, kindly fill the form and return via email without any delay. This will enable us process and remit your winning amount to without the further delay.






Shri V.S.Das
Executive Director,
Central Public Information
Officer Reserve Bank of India Central




©Reserve Bank of India All Rights Reserved.


This e-mail contains confidential information or information belonging to and is intended solely for the addressee. The unauthorized disclosure, use, dissemination or copying (either whole or partial) of this e-mail, or any information it contains, is prohibited. E-mails are susceptible to alteration and their integrity cannot be guaranteed. RESERVE BANK OF INDIA (RBI) shall not be liable for this e-mail if modified or falsified. If you are not the intended recipient of this e-mail, please delete it immediately from your system and notify the sender of the wrong delivery and the mail deletion. Consider the environment before printing this email. RESERVE BANK OF INDIA (RBI) and/or any of its subsidiaries and/or affiliates each reserve the right to /monitor all email communications through its networks, RBI do not receive calls from individuals.

Bank people made me some mistake. so my name is there in CIBIL.

there is no outstanding amount from bank.

How can we remove the name from CIBIL.


Regards
Sivakumar
[protected]@gmail.com

Dear Sir/Madam,



I did settlement of Family credit Bank Two wheeler loan and paid total amount of Rs 5000/- as said by bank. After that I got NOC of Two wheeler in settlement letter it was already mentioned that Family Credit Bank will update CIBIL records after payment. But after getting payment, they have not up dated and my name is showing in CIBIL owing to this I am unable to get any loan from any bank.
It is creating problem in taking any loan, personal loan from any bank. What should I do?

Plz help.


Regards,
Pradeep Mistry
[protected]

Guys, I got a another shocking information for you. I have copied and pasted the rule from CIBIL web site "If you have applied for a number of loans in the recent past, the chances of your loan getting approved are likely to suffer. Simply because, this credit behaviour indicates that you are “Credit Hungry” and in an urgent need of money. It is likely to make Loan providers more cautious while evaluating your credit application". I don't have any loan, no credit cards what so ever but I applied for loan in 2 banks simultenously and thats the reason my loan got rejected. If a bank rejects your loan it will decrease your credit score. SO NUMBER OF LOAN APPLICATIONS WILL BE A LESSER CREDIT. GOD DAWN SAVE THIS COUNTRY AND THIS POOR PEOPLE. Our loan are in a foreigners hand "Transunion and Duns bradstreet" and we are celebrating independence day. What a comedy...

indian nation — Defamation

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cowardice and rat hearted big blot on humanity

yashoba Mar 29, 2012
I Mr. Sachin j zendhe would like to bring to your notice that you are defaming me and my company . If ever you are having the guts then contact me on my phone or else i am going to lodge a complaint against you in Navi-mumbai police cybercell department.

This can bring you in lot of troubles also it can destroy your entire carreer. You can call me my number is [protected].

who are these people to decide. Its like others peeping in to our financial matters, not only peeping but also
giving a lot of troubles to the innocent people. Please let us take some action against this.

Dear all,

This CIBIL Agency is created for good work, but now a days this cibil agency report is Misusing by the Banks/Companies to black mail the employee who had lost the job and not getting jobs again because of this cibil report.

1. CIBIL is created for creating unemployment in this country

2. If Jobs are lost and not getting job again because of this agency, then how shall i repay my dues to the banks to get my name clear from the banks

3. Immediately cibil agency should restrict their report to the bank and tell them not to use for jobs creation, if it continues then very serious problem for job environment and no will get the jobs like me.. i am in the bad position because of this CIBIL..



regards
Hakeem

Dear all,


This CIBIL agency is creating advoc and creating unemployment in this country..

Banks are playing with all job opportunity people who are not getting jobs and not able to pay any outstanding dues to the banks because o[censored]nemployement.

All banks are taking cibil report as a tool for not giving any job opportunity to the job seekers.. This cibil should be stop and tell all the banks not to use this report agency for job seekers in the market.

regards
Hakeem

Dear sir.

Please find attached here-with a details of loans taken by me :-

1. Shriram city union finance – Loan account no –ISH1TWAN505633 – LOAN IS CLEARED ON 09.2007 STIIL IS SHOWING IN CIBIL
2. AXIS BANK CAR LOAN – A/C AU[protected] – NO CHEQUE BOUNCE DUE TO INSUFFICIENT BALANCE

PLEASE CLEAR THE SAME.

Even I would like to join for the fight against CIBIL and its unilateral rating. There has to be clear demarcation between scandalous personalities and people with small salary who believe in hard work and want to live life in self respect. CIBIL and few banks like HDFC, ABN AMRO project a person who has re payed loan of 15+ lakhs without single rupee penalty to a person who is unfit for taking personal loan for meager Rs 10000 dispute between HDFC and me. I even owe a fight against HDFC bank who misplaced my cheque and put hefty fine and forced me to caugh 25000 without any fault.

I

Yes, CIBIL is doing too much. CIBIL having nice relationship with all banks and whatever Bank says they are just following. So CIBIL is just stupid company who they are working with all banks to spoil the people. One day most of the bank will be shut down due to this kind of actions... Lets wait for that day to laugh!!!

Dear frnds, CIBIL for that matter boasts on their state of art credit scoring procedure adopted from Transunion. I have recently been victimized by their so called scoring procedure and despite of clearing my all outstanding my Transunioun score dropped significantly from 733 to 623 points. There is no clear explanation from their side despite of several communication.

After all this communication and closely tracking their replies I am under the impression that this so called state of art credit scoring system is nothing but a bluff and is highly manipulative. After all this followups I am feeling restless, more because I am not sure now where to go and whom to complain about CIBIL.

If you notice, there is no body who looks in CIBIL matter and help to get you justice. In case of bank we have banking ombudsman where ultimately we can go and raise our issue if not considered by concerned bank, but for CIBIL there is authority but CIBIL itself. What a catch 22 situation we are into now.

Dear all,

i am also want to have information regarding the below issues.

1. CIBIL had destroyed my life and my career,

Because of this cibil report by banks for non payment of credit card dues for one month they had reported negatively to the banks and companies, now i am jobless from last 3 years and my career had been destroyed by this banks negative report to the CIBIL and they are using this negative reports for job opportunity.

Banks collection people are harassing my family and threatning me and my friends parents too not spared,

Please tell me how should i go forward and complain regarding this CIBIL.

Regards,
Hakeem
email id; mohd.[protected]@hotmail.com

Dear Friends,

i fully support to you and please keep updating me how to fight this CIBIL Agency, which is creating unemployment in this country and their report had been misuse by the corporate world and denying me the job opportunity to clear my dues on credit card and Personal loan.

i had been fighting with them but not coming forward to settle my cards, they are threatening me and my family to pay whole dues. My career had been downfall from last 4 years and difficult to survie .

Please mail me any important persons email ids in RBI, CIBIL, OTHER DEPARTMENT TO MAKE A NOICE ON THIS MATTER

regards,
Hakeem

Cibil is an institution or rather a mafia meant for creating the disputes ( bogus ) and do the business with the disputes troubling the consumers and making their very vulnerable to attacks by collection and mediating agencies. In one sentece it is pool of identity thefts.
What right does this institution have to enable the Banks to just threaten the consumers with fake and false dues have database of bogus dues?
And identities

CIBIL is a nonsense and loosing its credibility for what it originally meant for?

Definitely it was not originally to induce the easy path of identity thefts and creating work for mediating settlement agencies literally road side goons and roudies?

If CIBIL is not accountable for the erroneous entries, how is its report is a deciding factor for the loans ?

Dear Sir

It is observed that most of the Bank/NBFC do not follow the guidelines at clause 6.2.c. of the Master Circular on Credit Card by RBI. The copy of the said Circular is attached herewith.

Also as per the information provided to me vide my RTI Application that no action has been taken against these Bank/NBFC till date.

I request you to look in the matter and do the needful.

Regards

Altaf Batliwala

You said right I support you.

Email.asif.[protected]@gmail.com

The Reserve Bank of India today released on its website for public comments, the Report of the Committee to recommend Data Format for Furnishing of Credit Information to Credit Information Companies (CICs). Comments may please be emailed or sent by post to Chief General Manager, Department of Banking Operations and Development, Reserve Bank of India, Shahid Bhagat Singh marg, Mumbai 400 001 on or before April 30, 2014.
The committee has made wide ranging recommendations on issues relating to credit information, such as, increasing its coverage, format of reports and best practices to be followed by credit institutions, credit information companies (CICs) and the Reserve Bank.
Making credit information more useful
The committee has stated that low usage of credit information by member institutions and other specified users needs to be addressed by requiring CICs to populate their databases with requisite credit information so that enquiries by specified users yield desired information. It has recommended that this can be done by increasing the coverage of credit information in terms of membership (all credit institutions should be members of all CICs) and products (also covering defaults in CPs and such other products) and by creating awareness about Credit Information Reports (CIRs).
Credit Information Report
The committee’s recommendations relating to CIR are:
CICs should have a common classification of Credit Scores so that it would be easier to understand and interpret. The Committee has recommended that the CIBIL method of calibrating from 300 to 900 could be adopted by other CICs.
CICs should report details of co-borrower and guarantor.
CICs may provide a single CIR for a borrower even if there are multiple addresses, using a unique identification number (PAN/Aadhaar No.).
CICs may have link with the database of Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI) which has data on mortgages so that CIRs can also provide information on property mortgages.
An online data correction mechanism may be put in place by CICs to enable members to confirm/upload correction requests.
CIRs should disclose details of disputes relating to information in CIRs and customer comments thereon, if any.
Customer grievance redressal, especially in respect of complaints relating to updation/alteration of credit information, should be given top priority. This may be integrated with existing redressal systems, such as, Banking Ombudsman Scheme.
Banks/financial institutions (FIs) may report cases of wilful default, even in non-suit filed cases, directly to the CICs of which they are members and the system of banks/FIs reporting information on non-suit filed cases of defaulters to the Reserve Bank of India may be dispensed with.
CICs may make available the data in respect of suit-filed cases on their websites in a more user-friendly manner that would facilitate search across periods and banks.
The Committee has further suggested that providing customers with a free copy of their CIRs would help create awareness about the need to have credit discipline, enable customers to correct their behaviour and improve their score well before they plan to avail fresh credit of any kind, help detect identity theft at an early stage, help CICs correct and validate their database and increase their business in the long run. Use of common data formats, including additional information in the formats, such as, dispute codes, consumer comments on dispute, details of collateral, etc., and to institutionalise a continuing mechanism for making changes to data formats could help improve data quality, the committee has pointed out. The committee has recommended a common Data Quality Index that could assist credit institutions in determining the gaps in their data and also move towards improving their performance over a period of time.
Background
The Second Quarter Review of Monetary Policy 2012-13, (October 2012) of the Reserve Bank of India had stated that credit institutions should furnish timely and accurate credit information on their borrowers and make extensive use of available credit information as a part of their credit appraisal process. The post-policy meeting of the Reserve Bank with bankers in October 2012 had emphasised on the need for standardisation of data collection format as well as harmonisation/convergence among CICs to minimise duplication. The Reserve Bank later also met the heads of CICs in which it was suggested that a committee comprising a few banks, CICs and the Indian Banks’ Association be set up to finalise an updated data format. The committee was then set up with the heads of the CICs, a representative each from private sector bank, nationalised bank, foreign bank, urban cooperative bank, NBFC, MFI, IBA and the Legal Department of the Reserve Bank as members. Shri Aditya Puri, Chairman, HDFC Bank acted as the Chairman while Shri Rajesh Verma, CGM, DBOD was its member secretary. The committee recently submitted its report to the Reserve Bank.
Alpana Killawala
Principal Chief General Manager

CIBIL need to ban immediately and we should escalate this matter to our Honorable Prime Minister
as BJP Government sworn in . Many leaders of Congress parties helped corrupted money lenders
and money lending "Shylock " type of banks for their own personal interest .But now BJP is in power
and most of the leaders of BJP are honest and pro-people .

Let us send joint petition to our beloved Honorable Prime Minister and Honorable Finance Minister .

CIBIL should be ban immediately for the interst of nation as it is totally illegal and uncstitutional .

CIBIL need to ban immediately and we should escalate this matter to our Honorable Prime Minister
as BJP Government sworn in . Many leaders of Congress parties helped corrupted money lenders
and money lending "Shylock " type of banks for their own personal interest .But now BJP is in power
and most of the leaders of BJP are honest and pro-people .

Let us send joint petition to our beloved Honorable Prime Minister and Honorable Finance Minister .

CIBIL should be ban immediately for the interest of nation as it is totally illegal and unconstitutional
and created to harm Indian nationals to help anti-Indian foreign money lenders .

CIBIL was created by Congress party as Congress is the main enemy of the people of India .Let us unite and approach our NDA Government to ban this illegal and unconstitutional organization .CIBIL is also violating basic Indian philosophy .I earnestly appeal to noble RSS leaders to tell our new Government to band this pro-Congress and illegal organization .

CIBIL ideology is similar to Congress ideology .Congress always happy to create trouble to general people.
CIBIL was created to create harm for ordinary citizens by illegal way .

Lt us be and approach united approach to our Honorable Prime Minister .

Please send your Grievance to our beloved Prime Minister Narendra Modi

http://pmindia.gov.in/interact_with_pm.php/thanks.php?ln=#

CIBIL had got power as their was most corrupted politicians in power during UPA regime
and as most of the Congress politician's are anti-people and we have seen earlier that one Congress
spoke person advocated for anti-people foreign banks against citizens of India .
CIBIL culture against the culture of our Hindu culture and it is not only violating the basic principles
of Ved but also Koran .

We should approach to RSS also as CIBIL as RSS is most honest and transparent organization in India
and RSS has been working for the all deprived citizens of India since long .

Dear Sir,

I am also started fighting for Illegal validity of CIBIL. I got my report and found many mistakes, discussed with CIBIL team but they are like parrot telling only their procedure. Which is not at all valid and fool proof process. I rised complain to public grievances
the complain no.-


Registration Number:DEABD/E/2014/04769Name Of Complainant:Rajeev RanjanDate of Receipt:16 Sep 2014Received by:Department of Financial Services (Banking Division)Officer name:Shri Rajan KumarOfficer Designation:Economic Adviser


I am thinking to file a court case against CIBIL.

CIBIL

THIS IS ONE MOST INACCURATE GOVT. ORGANISATION I AM SUFFERING LIKE ANYTHING,
MY IMAGE IS DESTROYED WITH THIS , INSPITE OF GIVING EVERY PROOF THESE FELLOWS ARE NOT CLEARING MY NAME

I AM GOVT. EMPLOYEE WORKING IN LIC OF INDIA RAICHUR -KARNATAKA

BASAWARAJ.PALATLI
[protected]

IF SOMEBODY HELPS IT WILL BE GREATFUL

Yes, CIBIL is indulging in a business of making money by propagating falsehood about an individual's credit record. In my CIR issued to many CIs including Bank of India, they had more than 35 loan/credit card accounts in my name, which were actually not mine. This led to rejection of my credit card applications and my recent home loan application is stalled. The point is that CIBIL is not doing charity by collecting and reporting credit behaviour of an individual / company rather it is making money by selling CIRs, therefore, it must do correct reporting. Making money by spreading falsehood is certainly a crime. I do not know if CIBIL is in legal or illegal business. But the very fact that it is in business calls for a certain minimum standard, it must follow.

The business of making money by spreading falsehood and malicious information must not be allowed. I am willing to share my CIR, which has more than 50% false information, if anybody is willing to use that as a proof against irresponsible and careless behaviour of CIBIL while doing its business.
[protected]@gmail.com

yes sir this should be stopped

Adding to this, CIBIL scores are now required for an individual to get employed in top branded companies like HP, IBM, Infosys etc.. Is this really allowed? One is working to earn salary to serve himself, his family and to his debts. If this is going as such, one day every Indian will be defaulter due to no job due to CIBIL score.

Adding to this, CIBIL scores are now required in-order to be employed in companies like, HP, IBM, Infosys etc. Is this even good, authorized or taken in to notice? If this is going as such, every Indian will be on CIBIL defaulter list one day due to no job due to CIBIL score.

Its really a good step, even I want to join in this, am too a victim of CIBIL
Mukul Mukhopadhyay.
Bangalore.
[protected]@ymail.com

For loan

DEAR SIR TILL TODAY I HAVE NO LOAN FROM ANY BANK BUT AT CEBIL A LOAN OF 3 LACK IS SHOWING SO SIR RECTIFY THIS PROBLEM REGARDS AVINASH KUMAR Pan no- CBUPK3084K

Bloody service is provided by cibil not sending report on time...
Meraj

Cibil is harrasing innocent people only

And even after paying first I am chasing them for report but none of cibil people bothered they are just making money and cheatingto common men.

CIBIL now a days has become a tool in the hands of some Banks and Financial Institution to harass customers.
As it is seen always even a small amount due to them for various DISPUTABLE charges they charge they upload that details in to Cibil and the customers are FORCED to approach them where they arm twist customers in to paying such unjustified charges.
Writing to CIBIL through their grievance redress is of no use for they have ready stock reply that : INTIMATION SENT AND WE ARE WAITING FOR THE REPLY.

In most cases the rouge Banks and Financial Institutions never reply or correct the mistakes they raised in CIBIL with utter disregard and arrogance and CIBIL which survives on the fee paid by such rouge bank and Financial Institutions, turns a blind eye to all these.
They only way out is to start a campaign where people like us can come togetehr and file a case jointly before the Honorable court of law and seek a permanent remedy to this malice called Cibil.

Recently in Bangalore a group of other state software Engineers who brought their cars bay paying life time road tax at their respective native state was harassed by the RTO of Bangalore who demanded paying another road tax for using their vehicle in Bangalore for which they formed a union and engaged a good lawyer to fight their case and won.

WE NEED TO JOIN TOGETHER AND FIGHT THIS MENACE AND ENGAGE A GOOD LAWYER AND I AM SURE THE HONORABLE COURT OF LAW WILL CERTAINLY HELP US TO ERADICATE THIS UNHOLY NEXUS BETWEEN ROUGE BANKS AND CIBIL.

If you are interested please email me at : rafipv-at- gmail- com

CIBIL now a days has become a tool in the hands of some Banks and Financial Institution to harass customers.
As it is seen always even a small amount due to them for various DISPUTABLE charges they charge they upload that details in to Cibil and the customers are FORCED to approach them where they arm twist customers in to paying such unjustified charges.
Writing to CIBIL through their grievance redress is of no use for they have ready stock reply that : INTIMATION SENT AND WE ARE WAITING FOR THE REPLY.

In most cases the rouge Banks and Financial Institutions never reply or correct the mistakes they raised in CIBIL with utter disregard and arrogance and CIBIL which survives on the fee paid by such rouge bank and Financial Institutions, turns a blind eye to all these.
They only way out is to start a campaign where people like us can come togetehr and file a case jointly before the Honorable court of law and seek a permanent remedy to this malice called Cibil.

Recently in Bangalore a group of other state software Engineers who brought their cars bay paying life time road tax at their respective native state was harassed by the RTO of Bangalore who demanded paying another road tax for using their vehicle in Bangalore for which they formed a union and engaged a good lawyer to fight their case and won.

WE NEED TO JOIN TOGETHER AND FIGHT THIS MENACE AND ENGAGE A GOOD LAWYER AND I AM SURE THE HONORABLE COURT OF LAW WILL CERTAINLY HELP US TO ERADICATE THIS UNHOLY NEXUS BETWEEN ROUGE BANKS AND CIBIL.

If you are interested please email me at : rafipv-at- gmail- com

Hi, Everyone

First our Nation's geological name is Bharat Nation an Not I. N. D. I. A

All the Banks & RBI is Owned by. Rothschild & Rockfiller Illuminati Evil's Society Government

This Illuminati Secret Evil's Society is Creating Terrorism with the usless illusion Paper Money this is Called Globalization

All the Organization are Created an funded an Secretly Operated to Mind Controle the Humanity throughout the World examples like: WHO. NATO. NASA. ISRO. WORLD BANK. CENTRAL BANK. FEDERAL RESERVE BANK.HRC. PETA. UNO. RBI. An Many more FBI. CIA. RAW. ect... To Create Fear among the masses an Mind Controle the Nation world wide with help of FAKE MEDIA & FAKE NEWS Announcement

This Illuminati Government Corporation only Prints Money all over the world
How they Steel is
We have to Give all Reality Things like food land water metal all Commoditys which Consumes a time to create any plants an vegies crops to 6 to 9 months.but this Illuminati Government has created a Illusion on money an implemented fake Globalization System they just Print Fake Money an pays to all the thing on world an Steels it from Humanity

The total Banking System Education System is usless this system will only create Debit System
That means People Belongings to this Geological locations / Country will loose all the Realty like Own Land Fredom Cultivation food Creativity workmanship Guts peace Unity will be Exchanged for Fakly printed usless Money of Evil's Illuminati Government

U work as a Slave to any Corporation an Government thay pay you as > usless Paper Money

If Government Prints its own Nation Money then why Government cant print more paper money an settel its Debit an Expenditure Insted of collecting Hoax TAX from People then what is for Government?CIBIL is to Mind Controle the mass humans an Obey the orders of Illuminati Evil's Society
When money it self a fake what the hell with CIBIL its 1000000+% fake Illusion System implemented by Illuminati Banker to loot an put the Country into fake Debit System (illuminate dosent have enough Gold Reserve are any valuable for Fake money thay print an Issue through Banks)

Illuminati Secret Society will always suppress reality things like Hard work. Facts. Truth. Unity. Values. Family's. Good Habits. Good Food. An creats illusion like Actors an pays the paper money Creats fake Economy an Express through TV Channels creats a Human Race

Hi, Sir can you tell me when i applied for the credit card why my all application are rejected regarding the CIBIL. b'coz i cleared all credit card payment and personal load also right now i m regularly paying my payment of HDFC credit card payment also my HDFC houseing loan EMI.

Why this will be happened with me every time.
Somebody give me the proper detail how i will discard my name from CIBIL

R,

Prasad E. Mahadik

Dear Sir,

As per my knowledge CIBIL is the authority to take quick & fast actions regarding the Credit Card related issues but I have not received any response from last 72 hrs.

You are requested to provide us the details which required to clear my issue

Regards
K.L.Sharma
----- Forwarded Message -----
From: [protected]@indiatimes.com
To: [protected]@cibil.com
Cc: [protected]@indiatimes.com
Sent: Fri, 6 Mar 2009 19:29:35 +0530 (IST)
Subject: Overdue against my Name

Dear Sir,

I have applied for a personal loan to HDFC bank, as per the recalls there is some pending dues of HSBC, & the control No. is[protected] but as per my acknowledge there is no old pending dues . I never used the credit Card (VISA) No.[protected].There is no Anual charges .

Please let me know the status of dues alongwith break up, so that I can proceed for Personal loan.

Your early response in this regard shall be highly appreciated.

Regards

K.L.Sharma

My Details are as under

KANCHHI LAL SHARMA
DATE OF BIRTH -- 10TH NOV. 1965
Adress E-222 Sector 9 Vijay Nagar Ghaziabad
Company Flex Industries Ltd.
A-1 Sector 60 Noida
Mobole no. [protected].
Pan Card No. is ADXPS8912P

On going through the CIBIL reporting systems, it seems that it is a ONE WAY Traffic to favour Banks and the lenders. It does not speak anything about the amount the borrower had paid so far to them. In my opinion it is harrassment to the borrowers and justice in case his/her name is listed even though the tenure of the loan is not completed, the borrower stand in good chane of repaying the borrowed amount, but because of the un-thoughful hurried actions of the lender the genuine people may also turn to otherwise. Generally no borrower would like to live with the Debt BURDEN. Delay in repayment happens due to delay in payment of salaries. Can any one held reponsible of their employers? Due to recession people are loosing their jobs. There is loss of income. But our basic expenses like food shelter children education medical etc are gto be met whether we have income, salary or not. There is vast gap in between salary increase and cost of living. how to narrow it. only by borrowing. So every body is forced to borrow. Who is responsible?. The Govt will come to rescue of the people? NO. Or if everything is available for FREE OF COST or at the very low cost (LESSER than our income or salary)then there is no problem to anybody. We dont need at all any lenders

From,
Riju N M
lalnivas
nechulimeethal [h]
chevayur p o
calicut 673017
kerala

Date of birth 17.03.84
Mob No: [protected]

To
The Head
CIBIL

Respected sir,
Sub : cheque bounds against my name .


Ref : Vehicle No : KL 11 Z 3051
LOAN NO : LTCLT[protected]


Sir,

I, Riju N M, applied for a personel loan in HDFC Bank, but they rejected my
application due to the records showing in CIBIL against me for the cheque
bounds for above said vehicle.But actually i settled that vehicle loan in ICICI bank.
Please delete my name from your CIBIL records.

Youurs sincerely

RIJU N M

MY CONTROL NO. IS[protected] AND KINDLY REQUEST YOU TO PLEASE INFORM ME IN WHICH BANK I HAVE A DUES OF PERSONAL LOAN OR CREDIT CARD PAYMENT DUE BECAUSE I HAVE TO CLEAR AND SETTLE THE DUES TO COMEOUT FROM CIBIL DEFAULTERS LIST .PLEASE HELP ME.
YOURS TRULY
V K CHANDRASHEKAR
D O B[protected]
PAN NO.ADBPC3345G

I am Udhaya suriyan had applied for a Personal loan from HDFC Koramangala Branch, Bangalore where I have salary account. After obtaining all the informations and documents by their chennai office, I was told that my application was rejected due to cheq bounced. This has happened a year back and now I have a healthy balance in the saving a/c.

Pl delete my name from CIBIL defaulters list

Dear Sir,

My Name-Viral Modi
Add- Ahmedabad
Pan- AMYPM 6432 G

Sub- chek cibil record

Dear Sir
Ples Inform My record and sugataion to me

I had applied for a Car Loan but has been rejected due to my name appearing in the CIBIL list.Pl let me know the amount and Bank.And also let me know the procedure to clear it immediately.

Rgds

Sanjeev Chaudhary
H.No 282, Ashoka Enclave 1st
Sector 34
Faridabad.

pl. inform my record i want to apply for business loan

regards


vijayant bharti
1980 malka ganj road
delhi 110007

Dear Sir,

I have applied for home loan in Relaince finance Ltd and my pan No is AIMPA1604Q and the control No is[protected] .

Dr. Krishna Priya is my wife, her pan no is ABKPG3465G and the control no is[protected].

My credit card opening date is[protected], and the second card opening date is[protected] and PL opening date[protected].

My loan has been stopped for want of some clarifications. In fact I cleared the loans I had made hence I highly appreciate your highness to have a mutual understanding with the bankers

PL also I have paid the whole amount, now they say that it is in the right off mode, hence I need to have a clarification, as it is desired by Relaince bank for the sanction of home loan.

In this regard, I earnestly request your highness for providing the clarification wrt to the above, for submitting the same to Relaince so as to enable me for the sanction of my house loan, for which I shall be ever grateful to you.

Thanking you in anticipation,


Yours faithfully,


Dr.Pantulu.

Respected Sir/Medam,

I am take ICICI Bank Credit Card and ICICI Bank Personal Loan. There was a delay in Payment, so ICICI Bank forwarde my name in CIBIL.

ICICI Credit Card No. : [protected]
Payment Cleared Date : Sep-2008

ICICI Personal Loan A/c No. : LPSUR[protected]
Payment Cleared Date : Aug-2009

Name : Jaydeep P. Vakharia
DOB : 14-Oct-1975
PAN No. : AAMPV5654R
Mobile No. :[protected]
Address : 302, Vrindavan Apartment, Opp. Gokul Row House,
Somnath Mahadev Road, Parle Point, Surat-395007.
Gujarat - India

I am applied for a personel loan in Bank, but they rejected my application due to the records showing in CIBIL. I am paid 100% payment in ICICI Bank Credit Card and also settled my ICICI Bank Personal Loan. I am request you please delete my name from your CIBIL records.

Sir,

I was having credit card of HSBC which i closed after the settlement but once i paid why my name is in CIBIL defaulter list.
My name should be removed from the list what is the procedure of the same.

Pradeep SIngh

sir,
My name is K.SANTHI and in the year 2006 i had setteled standard chartered bank card amount of Rs.19360.After almost 3 years a bank tells me that my name is in the CIBL.I have the settlement receipt's and the settlement letter from the bank with me.Please advice what i am supposed to do.

my compliant send on 18/9/2009, please give take actions report

Your CIBIL Report Showed, I have taken Auto Loan Rs. 518143 on 31/07/2008 and also showed Personal Loan takesn on 2/2/2005. Rs. 100000/- but the said loans I have not taken. Kindly issue me the the loans details from which institutaion has given the said loans. my PAN No. is ADIPA2057J and date of Birth is 21/10/1976. Kindly check the said loans and give me immediately anme of the institutions becoz I am getting problem regarding taking home loan.

control ref #[protected], Pan card # ASEPS0344k

Dear Sir,

With ref to the abv and the statement furnioshed by you to SBI bank-kormangala personal banking branch towards my take over loan, there are 2 transactions which are showing as written off, I wish if i could the details -

1. for amount Rs.18, 560 - this was from ICICI cards as my card was stolen on 15th aug'07 and somebody else has swiped and i had lodged a complaint which they had reversed after initial debit and found that i have not used the card, ,
2. for amount Rs.44, 000 - this does not pertain to me as I never had any out standing with any credit card to this extent and neither it wasn't settled in any manner for this amount with any bank, also Pls note this transaction dates back to the card which i possesed from 2004, , (only possibility would be of Citibank, but no such big transactions)all the amount has been paid, Also pls note in the year 2007 sept, I have availed site loan from HDFC, this transaction has not reflected in any manner, surprised about this appearing now !

I would request a response for clarifying the same as my loan process is held up pls rush the details to me,

I HAVE SENT A MAIL IN THIS CONTEXT FOR PAST 3 DAYS, , THE PROCESSING OF LOAN IS STALLED CAN ANYONE CONCERNED BOTHER TO RESPOND !!!

Thanks and regards,
Sathish.G.C (Sathish Gubbi Channabasavaiah)
Pan # : ASPS0344k

Sir,

I was using credit card of HSBC which i closed after the settlement. But Still my name is in CIBIL defaulter list. Can u Please provide me the details documents regarding my issue.

Name- Kishor M S
D.O.B- 01/06/1984
Pan card Number-AVPPK2359E
HSBC Credit Card no- [protected].

Please provide me a Statement and tell me what i have to do for removing my name in the Defaut list.

Sir,

This is regarding the information the Citi Bank Card No. [protected] & [protected]. In this connection I am to inform that the outstanding balance of Rs. 38, 000-00 as on[protected] which was in my name in the Citi Bank card No. [protected] & [protected] have already been closed & I have received the information of the closure of the account from the Manager, Citi Bank card regarding the full & final settlement of the outstanding balance of Rs. 38, 000-00. The same is attached to this mail. Inspite of this full & final settlement my name is continued to be shown as negative in some records (CIBIL). This has resulted inconvenience to me for availing housing loans or any other loan in any other bank. Therefore I request you kindly to take immediate action to delete the negative status in the records (CIBIL)


REGARDS,

Stores Purchase Officer
UAS, Central Stores, Hebbal,
Bengaluru, Telefax:[protected]

Sir,

This is regarding the information the Standard Chartered Bank Card No. [protected]. In this connection I am to inform that the outstanding balance of Rs. 6, 216-00 as on 8-5-2002 which was in my name in the Standard Chartered Bank card No. [protected] have already been closed & I have received the information of the closure of the account from the Manager, Standard Chartered Bank card regarding the full & final settlement of the outstanding balance of Rs. 6, 216-00. The same is attached to this mail. Inspite of this full & final settlement my name is continued to be shown as negative in some records (CIBIL). This has resulted inconvenience to me for availing housing loans or any other loan in any other bank. Therefore I request you kindly to take immediate action to delete the negative status in the records (CIBIL)


REGARDS,

Stores Purchase Officer
UAS, Central Stores, Hebbal,
Bengaluru, Telefax:[protected]

send me racord towords the cibil.

I am applying for HDFC bank loan but i got a mail that you are a defaulter for the atatached file which was mailed to me.

Could CBIL let me know where this amount arrived around 3 lacs of my credit card, is really disgusting to know that no bank name is mentioned.

Secondly all due were cleared once i left from India and came to Hongkong.

This has resulted inconvenience to me for availing housing loans or any other loan in any other bank. Therefore I request you kindly to take immediate action to delete the negative status in the records (CIBIL)

As i settled my all credit card dues in the year 2003-04 and hadover the card to the bank thereafter no contact with the bank and no correspondence from the bank. but cibil report shows over dues in their report

Wrong information uploaded about credit card outstanding written off

As i settled my all credit card dues in the year 2003-04 and hadover the card to the bank thereafter no contact with the bank and no correspondence from the bank. but cibil report shows over dues in their report

i agree with such kind of practice. its a long and pathetic system of working. CIBIL doesnt bother to verify and credentials / details of the person and simple accept bank loan/ card account and put the name in defaulter list. I have faced the same situation and note that despite having good banking account with AXIS BANK my loan has been rejected by AXIS BANK as my name was in CIBIL and note that ACCOUNT WAS SETTLED with concerned bank long time but name is still in defaulter list.

ITS REALLY pathetic system of working. no one is their to control the right method and right system for fair trade and practice. SEEMS THAT FRAUDSTER ARE SMARTER THAN LAW MAKERS and showing them their back and making fun of them. and common/ serious/ law abiding citizen are suffering

i want to know whether my name is in CIBIL defaulters list.

have received information from the bank regarding defaulting in credit cards of icici Bank and my name is listed in the Defaulter List of CIBIL.

icici BANK have provided wrong information to the CIBIL. I have paid all the dues of icici Bank

But icici Bank has not send the data to CIBIL. MY credit card has declined because of the wrong information given by the bank to CIBIL.

I seek justice to get my names removed from the defaulter list with an immediate effect. I am ready to give all the proof and settlement letters issued by the concerned credit cards provider.

Please help to remive my name from civil.

Looking forward to a suitable action at the earliest form your end.

Regards
Dr. umesh saxena
f-202, shyam nagar ext. ram path sodala jaipur
[protected], [protected], [protected]
office
kautilya institute of tech. & engg.
[protected], 2770364

have received information from the bank regarding defaulting in credit cards of icici Bank and my name is listed in the Defaulter List of CIBIL.

icici BANK have provided wrong information to the CIBIL. I have paid all the dues of icici Bank

But icici Bank has not send the data to CIBIL. MY credit card has declined because of the wrong information given by the bank to CIBIL.

I seek justice to get my names removed from the defaulter list with an immediate effect. I am ready to give all the proof and settlement letters issued by the concerned credit cards provider.

Please help to remive my name from cibil

Looking forward to a suitable action at the earliest form your end.
card no.[protected]

vinay
[protected]

I HAVE PRE-CLOSE MY CAR LOAN (ICICI BANK) OF Rs.2, 70, 000 IN NOVEMBER 2008. HOWEVER, THE SAME IS STILL REFLECTING IN CIBIL.
I HAVE PRE-CLOSE A PERSONAL LOAN (AMEX, NOW STAN C) OF Rs.1, 50, 000 IN NOVEMBER, 2006. HOWEVER, THE SAME IS STILL REFLECTING IN CIBIL.
MOREOVER, THERE ARE FEW FIGURES REFLECTING IN CIBIL FOR WHICH I DONOT HAVE ANY CLUE.
PLEASE SORT OUT THE PROBLEMS AT THE EARLIEST BECAUSE I AM FACING A LOT OF PROBLEMS IN ORDER TO AVAIL PERSONAL LOAN.

Pl. consult a lawyer friend and demand info under the provisions of RTI (right to information) act. Then take these people to task. Actually all these finance cos. are agressive in uploading info. whether correct or incorrect is immaterial. Just what appears in their records. They do not take the pain of verifying the facts. That's the irony.

Is it safe to share our Voter id, passport number with Cibil to get the deliquency details.

I heop they dont use it in any wrong means?

I'm totally agree with the complaints mentioned above and I feel there should be the way to solve the issue rather than putting in some stupid system to make people suffer. here the cibil system is such that only consumer will suffer not the bank whom so ever committes the mistake. There are lot of other reasons, for which people don't pay, it could be false promices by bank, bad services, wrong practices etc. we all are well aware that such things happen. But if the solution is only to harrase common people then we are not solving a problem. we are increasing it. in near future we'll have no choice but to dump CIBIL.
We all need to know the solution to solve the issue. if even after settlement, there is no help from CIBIL, there is no settlement. Payment the outstanding amount has no meaning.

Regards,

Aniruddha

Hi,

My name has been registered in CIBIL however i have cleared all the dues & I don't have any negative balance in any bank but recently my HDFC personal loan got rejected due to CIBIL report...pls help me how can i get a loan from any bank.


Regards

Hi
I had a two wheeler loan from ICICI Bank & after 6 months i have returned the BIKE beacuse of shortage of funds & the bike wan in the very good condition at that the said your a/c is neil when i have apply for loan in may 2009 the rejected my application beacuse my name in CIBIL now can i have alternate solution pls

Thanks & Regards

Sadique Mapari

Hi,

My name has been registered in CIBIL however i have cleared all the dues (on 13th of this month)& I don't have any negative balance in any bank but recently my SBI Housing loan got rejected due to CIBIL report...pls help me how can i get a loan from any bank.


Regards

Syed Sydulla

CIBIL is a junk system to kill the middle class people who thrives on loan and credit.

what system have any one placed to justify the grievances of the consumers.

Today i got the CIBIL report, i am surprised to see the that, i have cleared and closed the one ICICI credit card 6 months ago, but the cibil report shows the current balance around 40, 000, and one of my loan account is reported twice in CIBIL and shows the current balance around 70, 000 which i have cleared also 6 months back

i Sridhar,

I am also same kind of trouble. Have you found any solution for this. If so, please let me know it, so that I can also solve this issue with your assistance.

Thanks in advance for your assistance.

Hi

My name is Krishna Kumar from Chennai. I applied for a loan with Sundaram Home loans. They came back to me with a CIBIL report stating that my name appears in CIBIL list since I have not settled dues with Canara Bank. Surprisingly till today (3.12.2010) I don't have any account with Canara Bank. After running pillar to post, got fed up, left the matter as it is.

If CIBIL don't have the patience to cross verify the same with the consumers, then how come they can publish my name in their defaulters list without giving a chance to explain anything.

I don't know how to come out of this too.

Krishna Kumar

Hi

I feel that all banks together with CIBIL are cheating us in the broad day light. Can any educated men women explain it to me how can any bank close a loan account with pending dues?.. Inteligent people will say thats not possible..But my dear friends that is possible in case of CIBIL. I have been writting mailes to them almost every 3-4 day day and I am not getting any response from them..

what should I do..? No one is ready to help me out..

Nitin Jain

Dear sir/madm

Im samson i have taken a personal loan in city bank my credit card # [protected]. And i have paid all my dues with zero balance. And i tryed some personal loan in HDFC Bank but the file has been declined because the name was highlited in CIBIL so please kindly terminate my name from CIBIL & i can get my personal loan. And my date of birth is 02/05/1970.
Please do the needfull.

Thanking you

Samson.A.

I want to know my cibil score

Credit Information Bureau India Ltd. Which Provides Credit information of customers to the banks Who willing to take loans from banks.It is a pvt organisation which givs rating for barrowers. on this rating banks knows customer profile like previousloans, creditcards, etc.on that banks calculate eligibility. and more over you will not get any loan from any banks next 2 years aft 2 years it will get clear in CIBIL with out any complaint

what happens when there is a dispute with the bank? do CIBIL people contact or try to get information from other side ie bank customers?

Hi
it may be possible that i have been appliedearlier for any type of loan & denied to take it but some one forged it & due to that my name is reflecting in cibil, , , , in such a condition bank is guilty not me but customer get the Bad imression ...

Pls help me to know about my name is as defaulter in cibil.

Dear sir/mam

I have applied for a personal loan in family credit for my fathers operation.
But they are rejected my application.because they stating that my name was reflecting in CIBIL has WRITTEN OFF for my icici credit card due.but i closed my dues and got settlement letter from icici credit card department.

So i request you to remove my name from the WRITTEN OFF list and do the needfull
Regards
narayanan
My Date of birth:10/07/1984
My Pan no: AHBPN1149H

i want to check that is my name in CIBIL Defaulter list.

SCO0614022202

sir i have not receive my cibil score yet

Dear Sir,
I have availed home loan from DCB and want to go for balance transfer with Federal Bank, but yesterday I got credit report from the bank, stating that there is some outstanding with some of the banks. detailed as under:

1. Dated 20/12/03 Amount: 35395-00
2. Dated 22/11/03 Amount: 17658-00
3. Dated 22/03/07 Amount[protected]
4. Dated 19/05/05 Amount 35295-00
5. Dated 08/12/08 Amount 11472-00
6. Dated 03/08/08 Amount 34668-00

As far as i know there is no outstanding in 5 accounts. In report Bank's name not mentioned due to which I am unable to get it right. My query is if I can get the banks name for which due amount is shown I shall be able to contact them. Kindly help me. My control No. is 38.81.05.077.

Thanking you,

Kailash Aggarwal

Hello I am Mehaboob Khan I applied for a car loan through Tatat Finance and they rejected my application stating the reason that my credit report is not good. As I have some outstanding dues but no details of the same has been provided. My control no. is 38, 90, 13, 864 and D.O.B is[protected]. PAN No.AHEPK1562G. So I request you to provide me a clarification on this.
Thank You
Yours Sincerely
Mehaboob Khan

Hello I am Ch.Rama Murthy applied for personal loan through SBI and they kept my application pending stating the reason that I have overdue amount of Rs.59, 795=00 due to giving surity as gurantor. But I have not given any gauntree to anybody. My control no. is 40, 13, 23, 127and PAN No.ACPPC4255J. So I request you to provide me a clarification on this.

Thank You

Yours Sincerely

Ch.Rama Murthy

fup;jjv mfjyku chderjk

Hello my name is Santanu Mukherjee resident at Dum Dum, Calcutta applied for a home loan in SBI but application has been rejected with reason that i have an outstanding showing in cibil. when i have satteled all the outstanding and got the sattelment letter by the claimer. Let me know what is the outstanding ammount and which company is the claimer. And another one subject i have already send the D.D infavour of CIBIL on 19.11.2009 through India Post but not got any control no so i can check by status.
MOB no [protected]

thank you
waiting for your revart
regards
santanu mukherjee

Dear sir,


Hello I am R.Mallaian applied for personal loan through ICICI and they kept my application staus

Would like to know my CIBIL Details.

You should contact Cibil
Bcos Cibil maintains consumer's credit report.
It will provide you the detail of grantor in which you are reported defaulter.

what is mycredit trac record

Dear sirs,

I am Nanthagopal. I have applied for LIC Housing loan. But now the same is in pending due to the report given by you as below:
Dt 12.05.2008 - credit card - Rs 100000
Dt 07.05.2008 - personal loan - Rs 100000
Dt 22.04.2008 - credit card - Rs 300000
Dt 21.04.2008 - credit card - Rs 15000
Dt 01.10.2007 - credit card - Rs 100000

For the above i would like respond, i have never gone for a personal loan in any bank. Reg credit cards, i have used 2 banks credit cards and cleared all my outstanding amount and having proof's for the same.

Kindly request you to give the bank's name where the pending amount is shown. This is to clear the issues only.feeling hurt after seeing such a report with pending. pls clarify.
My control number is[protected]
regards
R Nanthagopal

Hello my name is Sukanta Saha resident at Jadavpur, kolkata applied for a home loan in SBI but application has been rejected with reason that i have an outstanding showing in cibil. Let me know what is the outstanding ammount and which company is the claimer. My control number is[protected]
MOB no [protected]

thank you
waiting for your revart
regards
Sukanta Saha

Dear sir/Madam,
I am Nilesh Balkrishna Bhujbal, my member ID - HF63071032 and control no. - 45, 73, 20, 086.

pl. give me full details for my cibil report when i am getting guarantor and there name, address and bank name, branch.because i am apply to home lone but my name is shown as cibil report and they will stop my lone. you are kindly requested to send the details for my email add.on nbb.[protected]@rediffmail.com

CONSUMER;METHARI VIDYA VARDHINI MEMBER ID;HF63161130, DATE OF BIRTH;[protected] GENDER;FEMALE, COMPLAINT ;CIBIL CONSUMER CREDIT INFORMATION REPORT IS SBM BANK NALLAKUNTA, DOBUL ENTRY

I have availed PERSONAL loan from VARIOUS BANK.
except ONE i had cleared all loans but in your cibil Report there is a pending of 14 loans
actually i want to take a car loan but because of this report they had rejected my Application.
moreover bank name of pending loans was not enclosed in the report if possibel kindly mail me the details to my address (ie) [protected]@yahoo.co.in

My query is if i can get the bank's name for which due amnt is shown then i shall be able to conatct them and talk to to them. Kindly help me to get the same.
My control number is 48, 28, 18, 371
Its very urgent.
Thanks and regards
k.f.jaykumar

Maria Jessica Suneeta Cormaty
mail ID: maria.j.[protected]@jpmchase.com / suneeta.[protected]@gmail.com

Please provide me with my credit track record. My PAN No. is ADCPC9155B.

regarding cibil report

I am not received my CIBIL REPORT MY EMAIL ID [protected]@gmail.com

SBI Credit Card — un-warranted demand of dues

my creditcard was duly cancelled all most 2 years back, hence how can i owe any dues to sbi card ??!! my DOB is 28/04/1957. i am s/o smt. Bimla Devi & Late Sh. Phool Singh . My mobile no. is the same(M-[protected]) on which your paid employee who have no other work other than generating fake illegal & disturbing meesages which had been affecting my routine sensitive nature of duties -carring further lives of serious affected patients. If CEO SBI Credit card MR. Asthana in any way bothered about & concerned about the concerns of his Ex. SBI Credit card holders then please restrain the concerned un-regined non productive idelling PAID EMPLOYEE of your dis-organised defuncted circus presumed by u and projected as an esteemed organisation . please don't constrain and compell me to seek legal avenues . I hope u'll prove it to me that u r quite capable of regin-in your employee in context and oblige me. Thanks in anticipation for anticipating peace of mind.

Recently I had applied for business loan to the PSU bank and informed me my name in defaulters list on a/c of some overdue showing in my name. Interestingly Bankers name, account detail and other relevant details are not appearing in the CBIL report from which I could understand which bank has put my name in defaulter list. Since I had no dues against all.

Can any one guide me how to get the detail from CBIL so that the respective financial institution can contacted for clearance

Can any one guide me how to know the details of defaulter list from CBIL

The credit card companies never reply to the genuine queries and grievances of public. How can the government allow them to publish their names on the default list? A person cannot be judged by one version alone and that is not justice at all. Never in the history of credit card companies, has written reply been given and all one gets is a stereotyped letter on the outstanding only. You should report to the banking ombudsman about this.

bank complaint

Dear Sir,

Thanks for the reply but I’m not satisfied with your reply.
My complaint to take necessary action again your staff executive those are giving wrong feedback and collecting payments. They least bothered about customer problems if they act as per their choice.
This was my 3rd attempt of settlement in which your executive cheated me and this time I won’t keep quite and raise complaint to RBI and finance ministry about fraud ness game by MNC banks like ABN amro.
As you said I settled my card on 04/09/2008 which was to be paid in two installments (Rs 10, 000) and I paid accordingly but instead of two I did in three as per I received call from Delhi.
Settelment on Sept.2008 by m/s Neha sharma (ph.no :[protected], [protected]) from delhi and I came to know that she left the organization as I spoke to her today.
Particulars of payment.

Rs 3000.00 paid by cash dated (no date mentioned ) Receipt no: 97786
Rs 2500.00 paid by cash dated 18/09/08 Receipt no: 127077
Rs 3000.00 paid by cash dated 30/11/08 Receipt no: 133466
Rs 3500.00 paid by self cheque of ICICI bank account dated 31/12/08 Receipt no: 143779
From OM innovation call services pvt limited. janakpuri, new delhi-110058
As per above particulars I paid nearly 12000/- rupees so far as your executive from delhi denied to give fresh settlement letter.
I dn’t know on whom I have to believe, I paid from my side as per their phone call and follow-ups.
Fro here in Mumbai Mr. Shiv kumar (ph.no: [protected]) is looking after my account .
Pl. ask from him who gave him instruction to collect last instaalment from my side.

I’m fade up from your service and from now onwards I won’t pay any single peeny to your bank as you cheated with me thrice the time and it is really disgusting and unbelievable.
You people harassing me in the mode of asking every time settlement and I’m forwarding this mail to CIBIL, RBI, Ministry of finance.

It my request to you kindly take action against above mentioned names with phone no’s who gave wrong details of my account and land me in problems.
And also request to you kindly zero wise my account as I didn’t received my credit card statement since last 6-7 months and I dn’t know were my payments goes.

Hope the best services from your side in my matter.

Thanking you,

Truly yours,

SIDDHARTH S AMBEKAR

Contact No: [protected], [protected](o), [protected](resis)

Address:
Flat. No.602, 6th floor, Pooja pushp, Co.Hsg, Soc.,
D- Wing, Kavesar, near Vijay nagri, Wagbil naka,
Ghoadbunder road, Thane (west),
THANE (west)-400601, Mumbai (Maharashtra)

dear sir/mdm,

this is mohd shafi, from pune

can i get my CIBIL details on my mail id

i'll be greatfull thanks to u i[censored] send the details of a/c.

thanking you,

regards,

SHAFI.

Sir/ madam

I would like to know how to see the defaulters my data in the CIBIL

thanks & regards

VENKAT

Sir, I am a credit card holder of your bank bearing No.[protected] in the name of R.K. Sharma. The credit card was issued in 2006 with the assurance that you will not charge anything for issuance of this card but the first statement of the account had indicated some amount on account of some insurance which I never applied. I made a complaint to you and resultantly an amount of Rs.300 was charged from me which I paid to your representative then and there and surrendered my card to him. Later the card was again sent to me with the expiry dated 06/2008 and after some time again a bill was received indicating some outstanding amount. I again contacted your representative through telephone banking and got a reply that a small amount is to be paid by me for re-issuance of the card though I never applied for re-issuance of the card. Later I came to know that you have sent information to CIBIL (Credit Information Bureau etc.) indicating that an amount of Rs.323 is outstanding. I immediately contacted your banking officer and asked him that this is illegal practice on you part but he advised me to deposit Rs.350/- and accordingly I paid Rs.500/- through cheque. Now I request you to please intimate the CIBIL accordingly at the earliest and issue a NOC to me.
It is reiterated that you have deliberately and with ulterior motive maligned my position for a small amount of Rs.323/- which I never utilized. Actually it is a modus operandi of the bank that first it attracts the customer by saying that it will not charge anything for issuance of card but later send unwarranted bills to such customer. Not only this, but after lodging a complaint against such unwarranted bills you play mischief and send an adverse report to the CIBIL. This is actually not corrupt practice under Consumer Protection Act 1986 but a criminal offence under section 406, 409, 419, 420 IPC.
Now therefore, I hereby call upon you to issue me a NOC for Rs.323/- reported to CIBIL etc. and to furnish an intimation to the CIBIL accordingly under intimation to me within a period of 10 days from today i.e.[protected].failing which I shall have no option except to institute the legal proceedings against you entirely at your risk, cost and consequences before the appropriate forum.

Sir, I am a credit card holder of your bank bearing No.[protected] state Bank of India in the name of R.K. Sharma. The credit card was issued in 2006 with the assurance that you will not charge anything for issuance of this card but the first statement of the account had indicated some amount on account of some insurance which I never applied. I made a complaint to you and resultantly an amount of Rs.300 was charged from me which I paid to your representative then and there and surrendered my card to him. Later the card was again sent to me with the expiry dated 06/2008 and after some time again a bill was received indicating some outstanding amount. I again contacted your representative through telephone banking and got a reply that a small amount is to be paid by me for re-issuance of the card though I never applied for re-issuance of the card. Later I came to know that you have sent information to CIBIL (Credit Information Bureau etc.) indicating that an amount of Rs.323 is outstanding. I immediately contacted your banking officer and asked him that this is illegal practice on you part but he advised me to deposit Rs.350/- and accordingly I paid Rs.500/- through cheque. Now I request you to please intimate the CIBIL accordingly at the earliest and issue a NOC to me.
It is reiterated that you have deliberately and with ulterior motive maligned my position for a small amount of Rs.323/- which I never utilized. Actually it is a modus operandi of the bank that first it attracts the customer by saying that it will not charge anything for issuance of card but later send unwarranted bills to such customer. Not only this, but after lodging a complaint against such unwarranted bills you play mischief and send an adverse report to the CIBIL. This is actually not corrupt practice under Consumer Protection Act 1986 but a criminal offence under section 406, 409, 419, 420 IPC.
Now therefore, I hereby call upon you to issue me a NOC for Rs.323/- reported to CIBIL etc. and to furnish an intimation to the CIBIL accordingly under intimation to me within a period of 10 days from today i.e.[protected].failing which I shall have no option except to institute the legal proceedings against you entirely at your risk, cost and consequences before the appropriate forum.

i would like to know how to see my name and data as defaulter in the CIBIL

i would like to know how to see my name and data as defaulter in the CIBIL

my is defaulter list check your data bank please repaly me

i am ka.pasumaivalavan date of birth 12/06/1974 pan no:AQAPP66002M HOME LOAN WAS REJECTED BY ON OF THE INDIAN BANK ON A/C OF SOME DEFAULT SHOWING IN MY NAME STATUS

Date of Birth[protected]
I would like to know how to see my name and data as defaulter in the CIBIL,
If I am a defaulter then send the details of a/c.

thanking you,

regards,
P.K.Mohanty

Date of Birth 02.11.1973
I would like to know how to see my name and data as defaulter in the CIBIL,
If I am a defaulter then send the details of a/c.

thanking you,

regards,

Pankaj Vyas

I need defaulters list. Where it is available ? ...


Thanking you

venkateshwar

I want to check my name in the CIBIL list as i have appiled for credit cards for two banks and both have denied my application.

I had a credit card of HDFC bank and they demanded for Rs. 11, 000 for final settlement in March 2006 and i paid the whole amount. One cheque of Rs. 5, 000 was bounced due to pre-date presentation in the bank as the date was not mentioned on the cheque. In February 2008 they deducted Rs. 27, 300 from my account on this behalf.

Now what sholud i do?

Dear Sir,
GREEETINGS!!

I was used SBI Credit card[protected] in the name of Nitin Sharma and Jaya Sharma 2006, in which my outstanding amont is around 15000, I apologise for not make payments at that point of time leads to result in my name is become Black listed and all Banks stops there services to me. My date of birth is 10.11.1980



I want to make payments of that credit card and i want to settle down this case and resolved with an immeed effect. please make me a call at [protected]



regards

Nitin

[protected]

Dear Sir,
GREEETINGS!!

I was used SBI Credit card[protected] in the name of Nitin Sharma and Jaya Sharma 2006, in which my outstanding amont is around 15000, I apologise for not make payments at that point of time leads to result in my name is become Black listed and all Banks stops there services to me. My date of birth is 10.11.1980



I want to make payments of that credit card and i want to settle down this case and resolved with an immeed effect. please make me a call at [protected]



regards

Nitin

[protected]

[protected]@yahoo.co.in

where should get defaulter list.

Sir/Madam,

i want Know CIBIL Defaulter List

Kindly Provide Me the Request

Date of Birth 06.08.1981
I would like to know how to see my name and data as defaulter in the CIBIL,
If I am a defaulter then send the details of a/c.

thanking you,

Regards,

Anand Misra

Dear Sir

I am Satya Brat Mishra
May i Know The status that whether my name is their in CBIL or Not.

Recently in the month of june 2009 I applied for car loans to family credit pvt ltd. They informed me that my cibil report showing me as a gurantor of a loan amounting to Rs. 450000/- taken on 09.06.92 ( overdue amount - 321058 ) . I totally disagree with this report . If it is reflected in you report, please arrange to send me the details of that particular loan ( the name of the person taken loan, his address, contact no etc.) My PAN no. ACZPB8990M










.

Dear sir.
We lost our only son last year who came 10 years after wedding in a car crash on Bangalore mysore high way on 10th jan.08.I have written to the state goverment, the prime minister the President and many other in the related department.But all in the vain, no any reply, the criminal case is in the Chanpattna court since last 16 months.We have not got any summons on that and the fellow who hit the car from behind is out on the bail.I want my voice to reach the Prime minister and the ministery of law and justice, why in this country the verdict takes years to gather?. I demand the justice from the resapctive court.
Thanking you
kaushik

I hv settled my credit card dues with Standard chartered &HSBC.But declined to settle score with ICICI Bank and HDFC BANK for rowdy treatment meted out to my family members for a paltry sum, that too inflated to an incredible degree.May be their GTC can change without any intimation.Since I would like to avail of HOME LOAN from any reputed bankand a regular tax payer, pl advise me a way out from cibil defaulters' list.
Regards
Amitabha Bagchi
(M) [protected]

i would like to know how to see my name and data as defaulter in the CIBIL

I receive an notice from credit information bureau (india) limited regarding some debt on me for the credit card payment in the year 2003 but i havn't used any credit card in the year so, why i need to pay the amoun so i request you to find out the solution regarding my problem and do the needful hereby i'm mentioning my member id.BN1043722. please make some conclusion soon


regards

Govind Ram Aggarwal
[protected]

risgi.[protected]@yahoo.co.in

Hello,

I closed all the Credit cards but still when i apply for home loan bnk people are sasying that i am in the default list of CIBIL, Where should i get the CIBIL Report, Whom to contact to remove the name from the list ...

What are the Banking rules which allows them to put the names into CIBIL report .

sir,

I would like to know my name in list, Yes i did setell meny of 2 card, 2 year ago, My pan no is AVAPS5427Q. Can i get card from any other bank that i need it.

Regards

sir.
since from the information of my friends that his name is in cibil after paying all the dues to Credit card, his name was in cibil, i am to uneasy after this coz last time the exucutive called me and said that there is diwali offer for settlement with rebate. in this fact i have payed him money in cash and cheque in full.
kindly let me know how to check name in cibil

regards
s.p.sherpa

Sir,

Can I know whats my status in CIBIL, As i have applied for a Home Loan, and I would like to know my current status in CIBIL.
My DOB is 26 Oct 1978.

Regards

Vinod

Sir,

Can I know whats my status in CIBIL, As i have applied for a Home Loan, and I would like to know my current status in CIBIL.
My DOB is 26 Oct 1978.

My PAN No: ALPPM6384B.

Regards

Vinod

bahndkfsdfkleriefksdfklsdf

Dear all the borrowers,
Jai Hind to all. I found that maximum of problems are created by the bankers. They are looting Indian publics with both the hands. The CIBIL have no right or authority to enroll any customer in defaulters' list without asking explanation. This is the misconduct of defamation against the customers. In democratic country the citizens rights to live with dignity and pride must be protected. I have decided to file a Public Interest Ltitgation in the Hon'ble High Court Mumbai for guidelines to the CIBIL that prior to enroll any customer/borrower in defaulters' list the opportunity of explanation is must from the concerned customer/borrower. We will pray for damages and compensation from the CIBIL and concerned Banks who gave the false information to CIBIL. Therefore, all of you are requested to join us.

I. G. Khandelwal

can i get my CIBIL details on my mail id

i'll be greatfull thanks to u

Sir give me the detailed information of my default payment list to my mailid.
I am V.Manimaran and my date of birth is[protected]. I am in Chennai

hi this is venkateshalu, and have recieved a statement by CIBIL, . which is a credit note dated on 1/08/2009, . and i want to know from which bank does this contain, . and for what process is this regarded... my member id is BS00011097.., ... so please grant my request, ... contact No:[protected]
and my e.mail id is [protected]@yahoo.com, .

I[censored] have the copy of CIBIL report u can approach cibil. Your report will have a Control NUMBER . cONTACT THE cIBIL WITH THE COPY AND CONTROL NUMBER AND THEY WILL GIVE DETAILS OF THE BANKS WHICH HAVE REPORTED NEGATIVE REGARDING YOUR CREDIT WOTHINESS. IN THE CURRENT REPORT IT WILL BE SHOWN AS 'NOT DISCLOSED' OR IT WILL BE MASKED.
ON APPROACHING THE CIBIL U WILL GET THE INFO. AFTER THIS INFO, I[censored] HAVE THE PROOF OF PAYMENT DONE TO THE SATISFACTION OF BANK U WILL BE ADVISED TO APPROACH THE CONCERNED BANK AND THE BANK WILL THEN RECTIFY YOUR DATA WITH CIBIL.CIBIL PEOPLE WILL GUIDE YOU.T THIS IS THE ONLY WAY TO KNOW YOUR DETAILS AND GET IT RECTIFIED.
FOR DETAILS LOG ON TO CIBIL WEBSITE. WWW.CIBIL.COM

Hello Sir/Madam,

I closed all the Credit cards but still when i apply for Education loan bank people are saying that i am in the default list of CIBIL, Where should i get the CIBIL Report, Whom to contact to remove the name from the list ...

What are the Banking rules which allows them to put the names into CIBIL report .

Kindly do the help as soon as possible to avail the educational loan to my children.

With Regards,
P.R.B.Achar
[protected]

pls send my lond amount details

RAM NATH SINGH
D-808, 3RD FLOOR
NEW FRIENDS COLONY
NEW DELHI-110065

respected sir, i p v aravind want to know my cibil details, my date of birth is 23.05.1970.i am also interested to get my cibil removed if it is possibble tell me the procedure and also the expenses that is legitimate.i also want to know how can i come to know that my cibil is removed, if the cibil is very old then subsequently it will be removed or it continues, is there any deadline or limitation like 3 years or 5years what is the procedure, please let me know, i am waiting for your reply.

Hi,

My name is Gaurav Mathur . I recently applied for Credit card with Citibank and they refused me the credit card on the grounds that My name reflects in CIBIL defaulter list.

In the past i was told by HSBC that thier are no yearly charges and after that assurance they levied Yearly charges on my card and after months i get i got a call that i have XYZ amount balance on my credit card due that i need to pay. I have now setlled the amount with bank by asking them to revert my charges which they aggreed to.
Now their is no due on my card . Please let me know how can i get my name removed from defaulter list.

i was a holder of credit card bearing No 4476xxxx xxxx 8289 with hsbc. i never got the bills in time, so invariability the payment was late. But as soon as i received the bill, the payment was made in full.

On 12.09.09, fed up with these lapses, I surrendered my credit card under intimation to HSBC.

Now vide letter dated 19.10.09, I am again forced to pay the outstanding amount which is on account of levy of charges on account of negligence of HSBC people.

So I need your co-operation in corrcting the attitude of HSBC people through your columns.

Krishan Mittal