Credit Information Bureau India [CIBIL] Complaints & Reviews

I completely agree with this...CIBIL screws things up...is there any way out of it since we are now folowing the US system...even they offer help to improve the cred history...

Do the following and help will come your way...join in now and lets change the situation: go to
http://forum.cro4india.org. I did it and I got help from them...related to your queries.

citibank has classified me as a defaultor for a settlement done way back in 1998. i even got a letter from citibank that my account is clear and they have also given me two credit cards last year. HSBC has also given me a loan last year. but this year when I applied for a loan with HSBC the cibil report is coming in my way. kindly advise what can be done. as CIBIL does not seem to be updating information from time to time and is becoimg a nuisance.

Write to IBNlive or ndtv. Let them analysis show the details.
When a group of more than 100 writes these media channel will listen and analyse.

CIBIL — CIBIL-THE MENACE

The cibil system looks to be very strange since banks can easily get free by slapping unfair charges on the customer/consumer.The customer, on the other hand, if is in urgent need of loan, has no other way but to meet up with unilateral expectation of the banks.

CIBIL seem to act as a protector o[censored]nfair practices followed by these banks .

In my case ABN AMRO has reversed the overdue amount (as claimed by you) themselves & Standard Chartered has taken a good amount of money from me for reasons for which they do not have any explanation.I had no other way but to pay Standard Chartered the amount they are asking since I had the urgency to get my name removed from CIBIL list as I have been suffering from financial losses & mental agony.

Where is the protection right of customer/consumer? Can ABYBODY tell us what I do in such cases?

I want check my credit score in cibil how?

Arivalagan

Dear Sir

Request you to please send me a brief on the default details.

The control number is[protected]

Regards

Sudhir Nagaraj

Dear / Respected Sir,
i was having some banks credit cards some years back but for last many months back, i have made all the settlements with those banks and i am having all the ful & final settlement letters from them. there are no issues from my side. i need to know my presen status in your criteria by those banks as they submited. or please tell me the way how can i be tottally fre from these kinda harrasments. as per todays position, i have applied for a loan o[censored]sed car but ICICI & HADFC bank has refused to approve.as i am having all my accounts in HDFC for last 2years aprox and doing good transaction . i need to know the exact reason or other way, how can i be fre from these situations? please guide me properly.
shall be very much thankful to you.

sincerely yours,
shyam singh tanwar
D.O.B. 8th May, 1975
ad.:- T-1/17-B, Sahyog apartments, sector-06, vidydhar nagar, jaipur-302023(Rajasthan)
[protected] /[protected]

I Want to know that for what time the name remain in cibil

hi
could u give me a link to access the satyam database for our name ?

Dear sir I am a CREDIT CARD holder of ICICI BANK in rohini branch sector-8.I request  you please give and send my default detail urgently.

thank you

chand babu

Same as below

ICICI has classified me as a defaultor for a settlement done way back in 2007. i even got a letter from ICICI that my account is clear and they have also given me two credit cards last year. Citibank has also given me a loan last year. but this year when I applied for a loan with HDFC and ICICI the cibil report is coming in my way. kindly advise what can be done. as CIBIL does not seem to be updating information from time to time and is becoimg a nuisance.

Hai,

I have a icici banks EMI credit card whic his 6 month old and i often had applid for a standard card with icici bank for normal transactions but the icici bank is declining my application without giving any specific reason. if they can issue me an EMI card on which the return interest is so high why they cant issue their standard card. My Date of birth is 21/03/1983.

Regards,

Harpreet Walia

Hi,
I had closed my credit cards by obtaining letter from the banks saying its full and final ssettlement. But after year now my car loan rejected saying there is overdue and the balance is written off and the written of amount is zero in one card and 12876 in other. what should i do now?? because the bank details not given i don have any clue where should i go to find solution for this?????

Hello! Last two years ago, I got a Bajaj Pulsar with HP of GE MONEY, but after some months I was not able to pay EMI on time so I am surrender the bike to the same. But the recovery officer tolds me that GE MONEY will sale the bike and refund the remaining amount out of loan.

But there is no any reply from the same.

And now after few months, I represent myself for personal loan in 3-4 bank, and loan was rejected due to CIBIL case.
I am suddnely shocked that I don't have any idea that I am the defaulter of GE MONEY.
cause, their is no any instruction or mail or letter from the same bank for outstanding amount.
The outstanding amount shows 7000/- only. For for only the same amount my 3 lakhs proposal is rejected for only CIBIL. Then Who is responsible for my big loss?????????????? can any one is helping me for the same.

Hi

HSBC Bank does not provide statement to credit card customers and just collects money and does not resond to any of the queries,

And threaten custometrs thar they gonna put a name in CIBIK, is there a way that customer can file a complaint against the bank
let us know

Srinath

Dear Sir,
I JUST WANT TO KNOW WHETHER MY nAME IS ADDED IN CIBIL as iam going to apply for a personal loan.For that what all detail's required ...Kindly Send me an Reply E-mail.


Manoj.M
[protected]
Bangalore...

I HAD APPLIED PERSONAL LOAN IN ICICIBANK.(STATUS -REJECTED).BECAUSE OF CIBIL SHOWINGS OVER DUE RS 45000/-.BUT IAM NOT HAVING ANY LOAN IN ANY OTHER BANKS.IAM HAVING SINGLE LOAN IN ICICI BANK LTD.

NAME:SHAIK MASTAN,
S/O.NAJAR SAHEB,
ADDRESS:D.NO:25-17-73, SRINIVASARAO PET 8th LANE,
GUNTUR-522004.
PAN NO:AHHPM2317G,
D.O.B:[protected].
MOTHERS MAIDEN NAME:SHAIK
MOBILE NO:[protected],
OFFICE ADDRESS:[protected]/A ANKI REDDYPALEM, GOVIND COMPLEX, PROP LARRY OFFICE, NH5 BY PASS ROAD, ANKIREDDYPALEM, GUNTUR -522005
OFF NO:[protected],
[protected].

Sir,

I am Dharun Kumar; my CIBIL control no is[protected]. I has been take a Two wheeler Loan from HDFC Bank with 12 EMI scheme Loan Account No is 10676477, Loan amount is Rs. 31, 000 and the EMI is Rs. 2858, this loan taken on 18/09/2006. Already I have closed this loan on 14/12/2007. At right now my loan status is closed level.

At right now I have a pre approved loan from ICICI Bank and also I applied for it. The loan reference no is 60448299. So kindly change my status on CIBIL with immediate effect.

My contact details Phone : [protected] email: [protected]@gmail.com

With regards
Dharunkumar R

Sir,
I did sent a complaint in 7 days ago. But unfortunatly i did not get any result from u. So kindly do the needful one to me

I am Dharun Kumar; my CIBIL control no is[protected]. I has been take a Two wheeler Loan from HDFC Bank with 12 EMI scheme Loan Account No is 10676477, Loan amount is Rs. 31, 000 and the EMI is Rs. 2858, this loan taken on 18/09/2006. Already I have closed this loan on 14/12/2007. At right now my loan status is closed level.

At right now I have a pre approved loan from ICICI Bank and also I applied for it. The loan reference no is 60448299. So kindly change my status on CIBIL with immediate effect.

My contact details Phone : [protected] email: [protected]@gmail.com

With regards
Dharunkumar R

Dear Sir,
Thank you very much to give us your support for our stand.

Firstly I want to give u my information, I am Manubhai V Mehta, living in Mumbai, age of 65, For your kind information I m appointed as a joint Secretary in All Maharashtra Human Rights Welfare Association in Mumbai, i have taken this matter because of illegal activities and business of CIBIL, because CIBIL says that they are waiting for Certificate of Registration and Final Guidelines from R.B.I.
1) Activities of CIBIL are totally Illegal Under The Bank Act as below:
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.

2) CIBIL have committed the violation of our Constitution by taking away fundamental rights of Indian Citizen, because every Indian Citizen have right to get Justice, no body can declare any borrower as a Defaulter Debtor or Insolvent without any strict proof and any Judicial Court’s order.

3) We can also File the defamation case against CIBIL under The Indian Penal Code 1860 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 futherance of common intention.

. 1*[34. Acts done by several persons in futherance of commonintention.--When a criminal act is done by several persons infurtherance of the common intention of all, each of such persons isliable for that act in the same manner as if it were done by himalone.]



37. SECTION(35.)
When such an act is criminal by reason of its being done with a criminal knowledge or intention.


35. When such an act is criminal by reason of its being done with a criminal knowledge or intention.--Whenever an act, which is criminal only by reason of its being done with a criminal knowledge or intention, is done by several persons, each of such persons who joins in the act with such knowledge or intention is liable for the act in the same manner as if the act were done by him alone with that knowledge or intention


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


36. Effect caused partly by act and partly by omission. Whereverthe 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 understoodthat the causing of that effect partly by an act and partly by anomission is the same offence. Illustration A intentionally causes Z's death, partly by illegally omitting togive Z food, and party by beating Z. A has committed murder.


26. SECTION(24.)
"Dishonestly

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

39. SECTION(37.)
Co-operation by doing one of several acts constituting an offence.

37. Co-operation by doing one of several acts constituting an offence.--When an offence is committed by means of several acts, who ever intentionally co-operates in the commission of that offence by doing any one of those acts, either singly or jointly with any other person, commits that offence. Illustrations (a) A and B agree to murder Z by severally and at different times giving him small doses of poison. A and B administer the poison according to the agreement with intent to murder Z. Z dies from the effects the several doses of poison so administered to him. Here A and B intentionally co operate in the commission of murder and as each of them does an act by which the death is caused, they are both guilty of the offence though their acts are separate. (b) A and B are joint jailors, and as such have the charge of Z, a prisoner, alternatively for six hours at a time. A and B, intending to cause Z's death, knowingly co-operate in causing that effect by illegally omitting, each during the time of his attendance, to furnish Z with food supplied to them for that purpose. Z dues of hunger. Both A and B are guilty of the murder of Z.[protected][protected][protected][protected]. Subs. by Act 27 of 1870, s. 1, for the original section.108 (c) A, a jailor, has the charge of Z, a prisoner. A, intending to cause Z's death, illegally omits to supply Z with food; in consequence of which Z is much reduced in strength, but the starvation is not sufficient to cause his death. A is dismissed from his office, and B succeeds him. B, without collusion or co-operation with A, illegally omits to supply Z with food, knowing that he is likely thereby to cause Z's death. Z dies of hunger. B is guilty of murder, but, as A did not co-operate with B. A is guilty only of an attempt to commit murder.

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.


So CIBIL is doing their Business illegally, in cordinance with their Members like all Credit Institutes and Banks, The Business of CIBIL ruined the life of young and energetic Indian citizen, and the all Banks creating their wrong balance sheets by showing wrong and proof less out standings, false figures of Assets which effect and damage India’s economy. so we decide to fight against CIBIL, and all the members of CIBIL and R.B.I. though they are Dominating Authority even though they do not take any action against them, We desire to fight on humanity ground in public Interest, so we have to file PIL against all, CIBIL, Members of CIBIL and R. B. I. In the interest of Natural Justice.
This is our first aim, so we want your help in way first you give us your full detail what happen with the you, by bank and CIBIL, tell us your problems. Please let us know how much time u can spend to fight . Please send your written complain address to Human Rights, at my e-mail I-D. We suggest you have to keep passion for getting justice, but we assure you that we will fight together for our Right and to get justice. You may circulate this message to other Victims Of CIBIL to those who are known to you.
Manubhai V Mehta
B/605 Lucky Tower,
Behind Patel nagar,
M.G.Cross Road No.4
Kandivali (West),
Mumbai Pin :400067 Phone:[protected]/[protected]/[protected]

Dear / Respected Sir,

i was having some banks credit cards some years back but for last many months back, i have made all the settlements with those banks and i am having all the ful & final settlement letters from them. there are no issues from my side. i need to know my presen status in your criteria by those banks as they submited. or please tell me the way how can i be tottally fre from these kinda harrasments.

i want to know my current status in CIBIL (how can i see my status)

Please Do reply me

Thanking You
Praween Kumar
Gurgaon

Dear Sir,
Kindly send me some data regarding credit default. That how a person become default and how he come to know about that.

Ravi Kr Sharma

Sir,
My name is supreet singh .. i am holiding different credit cards of the bank...
also, hav applied for used car loan with hdfc bank 20 days back... which is on hold due to my name on cibil on basis of citibank loan due...whereas i m having the noc of the loan closed, with me... why citibank has sent my name to cibil ... ???...and i have dues like 600 -700 rs in other credit cards as per cibil.. which is already cleared from my side long time back...i dnt why is still showing on cibil... i am talking to citibank for this they say contact cibil... n i dont know how can i get my name removed by folllowing the required procedure n conseqently i got my loan rejected from hdfc bank...
in between i hav applied for stan chart credit card which also got rejected...for same reasons!!!
also, i wanted to remove my name from cibil permanently ... as i make my payment on time with other banks if any...
and i am not a defaulter... pls suggest remedy for this... i dont want my name again in cibil...
I ll be highly obliged with ur immediate reply on the same ...
Warm Regards,
Supreet Singh
[protected]
[protected]@in.com

Am informed by AXIS BANK that CIBIL reports indicate my name as a DEFAULTER for some credit card payment default.
To the best of my knowledge and memory, I have never defaulted on any payment whatsoever.
I would like to know the basis of your adverse report.

Dear sir,
How i remove our records from cibil data?

sir iam creditcard holder, my money in complete in stockmarket .now iam not able to sell my stocks . any avalible for time period for payment of credit card .is posiible for 1 year pls

dear all

cibil is the best tool used by a company to check his/her credit worthiness, i feel cibil is the really good, when u maintain good credit history with the banks and financial company ur cibil rating will be really good, if there is no cibil all the company will run in loss and people would start cheating the banks after getting a loan, there is no point in talking bad about cibil, am working in a bank and i use cibil application daily, thro cibil the true colors of people can be known, i[censored] pay ur debts, emi and dues in time its well and good, there is no point in crying after defaulting

one advise, pay ur credit card bills on time, dont have more than 2 credit cards, pay all ur car, home or personal loan EMI as on date, dont apply for any loans or cards often uunless u require, dont go for settlement closure in loan, pay ur pending dues as soon as possible but not more than 5 days

for any details about cibil kindly write to me
[protected]@yahoo.co.in

I had done the seetlement of ICICI credit card in feb 2007.
I even have the letter stating full and final settlement,
now iam applying for any personal loan iam not been able to get it bcause banks are finding my name in cibil as defaulter
Wat to do
plz advice

CAR LOAN FROM HDFC — DEFAULTER IN CIBIL

I WANT TO FINENECE A CAR BUT HDFC SAYS THAT I AM DEFAULTER IN CIBIL.MY PAN NO IS ABVPJ3196Q R/O T-160 B STREETNO 06 GAUTAMPURI DELHI110053.
PLEASE TELL ME WHAT IS DEFAULTON ME.

DEAR SIR,
THIS IS REFERENCE TO LOAN APPLICATION MADE TO ICICI BANK ANS IN A SUB SEQUENT CIBIL REPORT BY ICICI BANK TO PROCESS THE LOAN IS SHOWING WILL FUL DEFAULT. I REQUEST CLARIFICATION ON OVER DUE AMOUNT RS.7751/- AND THE INQUIRY CONTROL NUMBER GIVEN BY BANK IS[protected].
MY OTHER DETAILS IS AS UNDER.

FULL NAME : HARIKRISHNA PATNI

OFFICE ADDRESS : BHANU-VILLA, BH. NAVBHARAT APARTMENT, SANTOSH NAGAR, MAROLI VILLAGE, R.C.MARG, CHEMBUR MUMBAI-400 074. PH NO[protected] FAX NO[protected] M NO-[protected]

RESI ADDRESS : FLAT NO-1, WING-G, TRISHUAL BAUG, SINDHI SOCIETY, CHEMBUR MUMBAI-400 071.

PAN NO-ACWPP0971H

WAITING FOR YOUR REPLY

WITH BEST REGARDS

H.R.PATNI
MUMBAI
M NO-[protected]
EMAIL :[protected]@yahoo.com

Dear Sir
I Mohd. Nizam My HDFC STPL Loan Acc. No.[protected] I Have Already paid the last Due amount of Rs/-817 On[protected] & Penalty Of Rs/-525 with chq bounce penalty, Now this is request to withdrawl my Name From CIBIL

Regards

Mohd. Nizam
[protected]

Sub:-SBi card account No.[protected]

Mr.B.N.Majithia
Birth Date:[protected]

Dear Sir

i was holder of the subjected SBI credit and I have paid my outstanding as a full and final settlement amount Rs.12000/-in the month of june 2007.A copy of the NOC given by the recovery authorities is enclosed herewith for your ready reference. But my SBI card account is still in running statue.
it is therefore requested that my above subject card account may please be closed immediately and advice same may be sent to the undersigned.
thanking you.
Tracer no AHMBAR[protected]
SBI Account No:[protected]
This is in reference to your above captioned account.
taking into consideration the exception circumstances/we would like to confirm that on payment of Rs.12000/-(Rupees Twelve Thousand Only) in the mode manner stated here in below. there will be no dues in respect of your above captioned account.

Mode Date Receipt Amount
cash june'[protected]/-

please remove my name in CIBIL.

please do the needful.

encl:one
Your Faithfully
B.N.Majithia



Thanks and Regards

Sub:-SBi card account No.[protected]

Mr.B.N.Majithia
Birth Date:[protected]

Dear Sir

i was holder of the subjected SBI credit and I have paid my outstanding as a full and final settlement amount Rs.12000/-in the month of june 2007.A copy of the NOC given by the recovery authorities is enclosed herewith for your ready reference. But my SBI card account is still in running statue.
it is therefore requested that my above subject card account may please be closed immediately and advice same may be sent to the undersigned.
thanking you.
Tracer no AHMBAR[protected]
SBI Account No:[protected]
This is in reference to your above captioned account.
taking into consideration the exception circumstances/we would like to confirm that on payment of Rs.12000/-(Rupees Twelve Thousand Only) in the mode manner stated here in below. there will be no dues in respect of your above captioned account.

Mode Date Receipt Amount
cash june'[protected]/-

please remove my name in CIBIL.

please do the needful.

encl:one
Your Faithfully
B.N.Majithia



Thanks and Regards

mayur.[protected]@relianceada.com


Sub:-SBi card account No.[protected]

Mr.B.N.Majithia
Birth Date:[protected]

Dear Sir

i was holder of the subjected SBI credit and I have paid my outstanding as a full and final settlement amount Rs.12000/-in the month of june 2007.A copy of the NOC given by the recovery authorities is enclosed herewith for your ready reference. But my SBI card account is still in running statue.
it is therefore requested that my above subject card account may please be closed immediately and advice same may be sent to the undersigned.
thanking you.
Tracer no AHMBAR[protected]
SBI Account No:[protected]
This is in reference to your above captioned account.
taking into consideration the exception circumstances/we would like to confirm that on payment of Rs.12000/-(Rupees Twelve Thousand Only) in the mode manner stated here in below. there will be no dues in respect of your above captioned account.

Mode Date Receipt Amount
cash june'[protected]/-

please remove my name in CIBIL.

please do the needful.

encl:one
Your Faithfully
B.N.Majithia



Thanks and Regards

Dear Sir / Madam
Request to know my cibile score with information as my details are mensioned below, kindly help by knowing my details .

Name - KHODABHAI LALJIBHAI PATEL
FATHER NAME - LALJIBHAI RAGHAVBHAI PATEL
D.O.B[protected]
ADDRESS- Bunglow No : - 4, “Khodiyar Bhuvan” Opp.Vasant Bhikha Wadi, Sauashtra Society,
Lambe Hanuman Road, SURAT : - 395006

Thanks And Regards
KHODABHAI LALJIBHAI PATEL
SURAT - 6

I was holding HDFC credit card and that card got misused though it was with me.I am sure someone used it by Internet for Air Tickets.I raised complaint with the bank for investigating this.The bank blocked my card and issued me a new card and commited that they will investigate within 45 days.When I called up Cust care within 45 days, they said investigation is still in progress.When I called up after 2 mnths, they said investigation was not even started and without the letter in writing, they dont investigate any issues.I then faxed them in writing abt misused transaction but they said since it is after 45 days, they cant do anything and I am liable for the whole amt 18000 Rs.I refused to pay any amt as it was not my fault.hence they put 14000 Rs on hold from my Debit Account and finally withdrew it without my approval.I made several request but they are asking me to pay the whole amount.I didn't say anything against 14000 RS withdrawal as I am working and we dont have time to work legally.But now after six mnth, the bank sending legal notices asking me to pay the remaining amount.I really dont want to settle here as the misused amt was just 17000 Rs and they already took my 14000 Rs and they want rest of the money now which is 20000 Rs as of date.Its really unfair as it's not my fault but customer care's lack of product knowledge.Can someone suggest me as to what to be done here as I have already lost 14000 Rs for no reason and I cant pay more...

Hi Sir,

I am working in Valuee Added service provider compay. Our all salary A/C's are in HDFC Bank. On the behalf of that HDFC Bank offers Credit Card to the employees. I also got a Gold Credit Card from the Bank. Sometimes later I purchased some electronic goods for Vaibhav electronics of Rs. 30, 000. I called after swaping that amount to the Call Center to convert this amount to EMI but they told us that there is no offer of EMI on this card. call us after sometime later may be offer comes for EMI. After sometime later I again call to the customer care but still not get. After passing 16-17 days I again call the customer care they told me offer come but due the expiry of the 15 days period this amount will not be convert into EMI. I was not in that condition to make the payments immediately of Rs. 30, 000. If I was aware to this that this kind of feature is not in my card may be I did not use this card. Hence I mailed to support.hdfc bank for making the better solution. go to my home branch but i still not get any solution. in between 2-3 months passed. the bank did not neither call me nor inform me and send some illigle persons at my home. they all used the abusy talk to my land lord, paased many abusy comment in front of them. when I come at my home after finishing the office hrs. they told about this incident. next day I go my home Branch tells the Branch Manages about the incident. She say sorry to me and call the collection department concern person then I told her that Madam your minimum payment is Rs3600 but I making the payment Rs5000 right now and please convert it into the EMI so that smoothly i can repay you amount. They told me we will do something and arrange the call back to you from customer department but noone call me. after 2-3 months later i go to HDFC bank to withdraw some amount from my salary A/C what i saw without any information they blocked my whole saving amount. I called to customer care to release my amount if you want, you can deduct Rs.10 or 15 thound from my A/c not whole amount but forcely the debited the whole amount in their credit card a/c.
Dear sir please suggest me is this is the right way??? Is Bank give us the best Service???
this really not fare...if you can do something for me ...i really obliged to you

Thanking you
Amit Kumar
#[protected]

Dear Sir
I had applied for Personal loan but the same got rejected due to CIBIL match no[protected] and showing credit card writeoff for Rs.14000/- and other for Rs.4000/- and odd

Pl let me know the card and bank details to check

Regards
Sathish.R

I had a due of 30000/- towards Citibank MTV Credit card, due to some personal compulsions I had sought for a Settlement with Citibank which they didnt honour. I had constant followups with the bank officials but to no avail. I don't understand how CIBIL could list me for an outstanding of 2, 55, 000/- Rs for the same now. So does it mean that if the Bank wants to exploit the consumer its acceptable to RBI. I have been a prompt tax payer for more than 12 years now. I try to avail loan and its rejected by the bank and in return to my surprise file a rejected entry in CIBIL listing. Is this some thing to take care of only Banks and the evil they possess to loot a common man. I have been trying with CITIBANK to strike a settlement on the Credit card account and get a disgusting response to coughup 2, 55, 000 /- which include hefty late payment charges and intrests. If the same status prevails I would rather wish to file a law suit against CIBIL for encouraging the Pvt, banks into imposing such huge outstanding on the consumer.

Please respond I can't face this humiliation anymore inspite of having a very clean loan track. I would rather try and escalate this situation in News Papers and also initiate a signature campain against CIBIL.

Regards

Satish Hebbar

I Devender Kumar Bhambri S/O late. Subhash Chander R/O 66, Bhavishya. Nidhi. Enclave, Malviya Nagar, New Delhi-110017, My Pan No. AIJPK414J, DOB-15/09/1975, Contect No. [protected] pls. confirmed my Cibil
Thanks

ASFDDGDFHHJKL;;

DEAR SIR,
IAM D.ARJUNUDU, I HAD APPLIED HOME LOAN IN AXIS BANK. BECAUSE OF CIBIL SHOWINGS OVER DUE RS 156000/-.AND IT IS ALSO HOUSING LOAN.BUT IAM NOT HAVING ANY HOUSING LOAN IN ANY OTHER BANKS. I HAVE ONLY TWO PERSONAL LOANS AND IT HAD CLEARED IN LAST MONTH.

So kindly change my status on CIBIL with immediate effect and send clarification to my mail.

My name: Dommeti Arjunudu, s/o. Dommeti Venkat Reddy
My DOB:[protected]
My pancard No: AIPPDO990B
My cibil control no:[protected]
My contact details Phone : [protected], email: [protected]@gmail.com

Respected Sir,

My name is Boby J Vettikuzha, holder of PAN card # ADMPV 4185G and I have applied for a loan from Axis Bank and they have asked for clarification on the below items as per the cibil records.

control no.[protected] as there are 2 credit card
showing in cibil one is settled & 2 nd card is written off.

The bank is awaiting details on the above and could you kindly help me in providing the details for availing the loan. Your help in this regards would be highly appreciated. Thanking you in Anticipation

Boby

Actually I am applied home loan from SBI.But as per their report there is some credit card payment is due of @ Rs. 680 . Actually i bought credit card long before.But i have never used that credit card. Then there is no issue to pay that amount. But because of this my loan process is under hold. So please forward me the details for payment so i can pay the same. My control no. is 38, 56, 57, 299
my contact no . [protected]
Emai [protected]@gmail.com

Two Wheeler Loan — Defaulter

Hi..

I am sunil kanth ICICI Bank have financed me for the two wheeler loan..
Aggrement No :-LTHYD[protected]
I have given cheques and it was ECS with Bank of Baroda.every month i was paying the amount properly.
unfortunately the bank have deducted amount from the account..that i dint knew..and the cheque was bounced..i havent got any information from the bank reg che bounce..it continued to 3 months..
suddenly the Executive came and seized the bike...with in a week i ahve paid the total due amount ..and the extra charges...
The bank is unfair to the customers...It has to give information in regular times regarding che bounces and irregular payments...
Now i am in CIBIL list..How can i remove my name from CIBIL..
ICICI is now one of the top banking sector..

Dont take the advantage and make the customers defaulters...You should care for the customers..

Respected Sir,

I have purchased a mediclaim policy from citibank and make payment through citibank card in september. but my details in policy was incorrect so i request citibank customer care saveral times to rectify the same and didn't found any response. On the other side i didn't pay for erroneus policy. In December I have called last time to customer care and asked them to cancel the policy becuase they are unable to rectify the policy. They did the same but didn't gave me 50 % credit of amount they originally charged and send me a statement to pay for the rest. I denied to pay for erroneus policy and said that it was bank's fault not mine. But they still not giving me any credit and threaten me that they will put my name in cibil.

Please help me what do i do.

Lalit Kumar Gulgulia
[protected]@gmail.com

Hay ICICI bank is a crupt bank treat with like that, you need to take unsecured loans and cards from icici bank and don't pay to them. thay can do any thing.

Hi,
I had closed my credit cards by obtaining letter from the banks saying its full and final ssettlement. But after year now my car loan rejected saying there is overdue and the balance is written off it is 0 now . what should i do now?? because the bank details not given i don have any clue where should i go to find solution for this????? how can i remove my name from cibil .i had a due of 73000 and i made settlement of 53000 .shall i pay rest 20000 to remove my name from cibil as its showing written off, due which i m also not able to get credit card .

These banking systems are all in the favour of banks only in each and every step.
You avail a loan they decide THE PRINCIPAL and INTEREST ratio on their own.

You complain to the Custmer Care, nothing is going to happen. All these Banks are sitting happily behind the shield of these call centers. Maximum we can do is keep yelling, shouting, fighting with the call center operators. they take the brunt. Poor call center operator.

Secondly These DSC offices they make the most fool out of you. wrong commitments wrong documentations and even misshandling of cases. Total foul play.

And now this CIBIL they think their credit reporting system will bring about a positive change in the banking arena. Most of their data is malicious. all based on the facts produced by the DSC offices and other agencies. who are already corrupt. MAJORLY into making/handling the case in a way which can give them maximum benefit. and the BECHARA Customer is like a ginny pig. they can treat them / experiment with them their way.
PATHETIC IS THE SITUATION OF THE BANKS...
Sukhvinder Singh

Hello,

I was holding my Barclay Credit card for 1 year. And I am facing lot problems with this bank. And few months back I had made a total payment of which I was supposed to pay. And they don’t have a proper service in Hyderabad. And the agency who has collected my money he has dived into 4 receipts of my to total money (57, 000).

And after making the payment only 2 receipts has updated in my account. And Another 2 receipts are not at updated in my account till know. It’s almost 4 months.

Barclay people are screwing me in making N number of calls in a day. They don’t provide any information regarding this.

And I asked them to come for a final settlement for a long time back. But they don’t respond to my emails are calls. So can you suggest me getting out of this?

Regards,
Abdul

i want know my name is defaulter list or not

My Control No.38, 64, 94, 563
Name : R. Rajagopalan
Type : Personal Loan
Sanctioned : Rs.50, 000/-
Opened : 01.02.1999
Last payment : 20.10.2006
Closed : 20.10.2006
Reported : 31.10.2008

Although I had cleared my PL, still my name is reflecting under settlement list. I would request you to kindly provide me Bank Name & Loan Account No. so that I will be in a position to write to the concerned bank and ask for no due certificate. In this regard, I had already posted my requirement to you two weeks ago but no reply till date. Request you to expedite the same at the earliest.

CIBIL — CREDIT BUREAU HISTORY

I had been applying for Credit Cards in certain banks (Standard Chartered Bank - more than twice, Deutche Bank, ICICI Bank) after getting calls through their agents. And after giving all the documents like copy of PAN card, Voter ID card etc. and filling up their forms I get a reply after about two weeks stating that
" we are unable to offer you a Credit Card at this point of time on account of the following reason:
-CIBIL / Credit Bureau history - Does not meet bank norms.

I am yet to know the reason for me not meeting the norms as stated above. When I ask ( both verbally or in writing) the banks they politely avoid giving the reason.

To the best of my knowledge I have never defaulted any payment or done anything because of which I will have a history by which I will not meet the norms for getting Credit Cards which is otherwise so freely distributed by the banks. I am really surprised and I hope that I can get some justice through you.

With Regards.

Mr. Patni,

You kindly put a mail to [protected]@cibil.com alongwith the CONTROL NO.

Your query will be resolved within 4-5 working days.

For more assistance you may write me directly.

Regards
K Rajneesh
Head
INDIAN CONSULTANT GROUP
( Expert in Banking Grievances & disputes )
Email : [protected]@indianconsultantgroup.com
visit us : www.indianconsultantgroup.com
" Please don't print e-mails unless you really need to. Save Trees - Save Environment "

I have taken an Educatioanl Loan from SBI (LOAN aMOUNT 91, 000/- -Loan Account NUMBER [protected]).We had a little time lapse FOR PAYING BACK THE LOAN...BUT WE GOT A NO LIABILITY CERTIFICATE...STILL THEY HAVE ENLISTED MY NAME IN CIBIL...AND FORWARDED THE SAME...EVEN AFTER SEVERAL MAILS TO THE BANK...THEY ARE NOT READY TO GET MY NAME OUT OF IT.I AMGETTING REALLY HUMILIATED WHEN I APPLY FOR CREDIT CARDS.AFTER THE HARD STUDY WHEN I AM WORKING AND STAYING AWAY FROM HOME I NEED A CREDIT CARD FOR BACKUP...BUT THE BANKS ARE NOT ISSUING ME THE CARD DUE TO MY NAME IN CIBIL...SHOAIB([protected])

fight

CIBIL should be penalised for not allowing individuals access to their own reports.

http://www.salian.in/money/finance/is-cibil-depriving-indian-consumers-of-their-...⇄

That is very much true.CIBIEL Is trying to copy CBR (Credit Bureau Report) working under FCRA (Fedral Credit Reporting Agency) in U.S.A but is not complying to the rules and regulations of the Indian law also the human rights have been shattered as i would term it under the section of consumer harrasment.
Without notification of the default incidence to the consumer the credit companies are reporting it to cibiel with the thought of getting their money back as it is high harrasment threat to the consumer.Also the consumer has no access to the same and is very humiliating to get to know when you apply for a loan and your application is rejected due to your name on the Credit reporting agency when you have proofs of the loan being paid off completely.
I was humiliated the same way when i applied for a car loan through SBI and the case was rejected due to loans appearing on cibil.
I have the proofs of those loans already paid off in full without even a single payment default.
Neither the bank nor any agency has any rights to humiliate or harrass any individuals self respect.
Not Paying back any debt on time is not a crime on top of that the humiliating collection calls that people still report are horrible.
I suspect if any strict and consumer friendly action is not taken there would be no business for the creditors and the existing ones would suicide with the increasing collection activity pressure.

Dear Sir,

I am unable to get the reason for not being issued a Credit Card from Standard Chartered Bank.

They simply mention that my name is mentioned in CIBIL. Could you please help me to get a complete details on this.

Thank you
Sivakumar K

Pl send the list of defaulter

Hi
My name is Deepak Sharma i have settled all my outstanding & i realised that my name features in CIBIL list. Since i got no response from even cibil even after writing to them for clarifications. I am looking forward for some sort of justification if my name is reflecting on the defaulters list.

I am sure it happens with regular customer who face this problem even after clearing all pending dues. Its better not to pay & remain in defaulters list. This is the message which is spreading like fire in the forest. The banks should clearly mention in their settlement letter this that further it would not forward the name in defaulters list.

FYI - Regard Deepak Sharma

Dear Sirs,

I have been a victim of CIBIL and banker highhandedness but decided not to take this lying down. here is what i did to improve my cibil records. the CIBIL is not a public enterprise yet behaves as one. some one needs to bring them down and file a PIL against them

As a background I had a dispute of a transaction with a bank credit card. this continued for 8 years and they finally closed the account since they were unable to answer my letters (they had not delivered the credit card to me and yet charged me for using it). upon closing the account, they malafiedly updated my cibil records to show this as written off overdue amount.

All my loan and new card applications started to be declined and then I realized what had happened. I could not afford these credit issues so I decided to settle with the credit card bank (despite them having closed the account) and under protest so as to clear my name in CIBIL. I asked them for a settlement proposal. they asked me to pay 30k towards the alleged 1.5 lacs (including interest that had accrued).

1. After I settled my dues with the credit card company, I pursed them for two months both on the phone, email and written letters every few days to update my CIBIL records. They finally stopped answering my calls and still did neither zeroize the account nro udpated CIBIL. infact I restarted receving credit card statements again with interest and service charged accruing once again

2. I lodged an FIR agains the bank and the guy who had proposed the settlement stating cheating fraud etc. and not delivering what they promised in their own proposal despite my depositing the cash.

3. I lodged a complaint with RBI

4. I lodged a complaint with RBI ombudsman - www.bankingombudsman.rbi.org.in and followed up repeatedly for about 2 months . finally this settlement made around nov 08 showed strains and BO rbi invited me for a meeting with the bankers in March 2009 after 3-5 months of this issue.

5. the bankers stated in the meeting that typically they mention Written OFF as the cibil status on all settled accounts, the RBI OB almost slammed the banker and said this was wrong and they need to mention that the account has been settled and also remove my name from all defaulter lists such as MCNF . they are also to provide a zeroized statement withen 1 month of the meeting

beware that the peons at the RBI BO are in deep pockets with teh bankers and they will dissuade you from attending the meeting stating that your cibil report is as it should be after settlement "written off". donot accept that and meet the secretary and the cheif of BO and state your issue.

you WILL be avenged as BO might levy penalties as well against the bankers

TAGS: HSBC, credit card, CIBIL, RBI banking ombudsman, defaulter, written off, settlement

Dear sir,

I am in a personal financial problem for past 4 yrs, so I connot pay my dues for 4 yrs, so i want know my credit report please do the needful

To CIBIL,
RESPECTED SIR/MAM.

SUB : KINDLY REPAY MY EXCESS EMI AGAINST LONE NO:[protected]

RESPECTED SIR,


I SANJEEV KAPUR, RESSIDING AT 30/72, WEST PUNJABI BABH, NEWDELHI-110026, WOULD LIKE TO BRING TO YOUR NOTICE THAT AN EXTRA EMI OF AMOUNT RS6900 HAS BEEN TAKEN BY YOUR BARCLAYS BANK AND HAS BEEN TRANSFERED TO ACCOUNT NO:[protected] BY A CHEQUE NO: 934877 OF CANARA BANK, BRANCH KESHAV PURAM, DELHI 110035, ON 3/12/2008. AGAINST A PERSONAL LOAN NO:[protected].OUR ACTUAL EMI IS OF RS 5975 AND ARE PAID ON TINE ON THE 5TH OF EVERY MOUNTH.WE HAVE GIVEN YOU 10 BLANK CHEQUES IN ADVENVE SERIAL NO: 934877, 934878, 934879, 934880, 934881, 934882, 934883, 934884, 934885, 934886.
WE HAVE BEEN SENDING YOU THE REMINDERS CONTINUOUSLY SINCE 13 TH DECEMBER /2008 BUT NO ACTION HAS BEEN TAKEN AGAINST THIS MATTER.

I WOULD LIKE YOU TO LOOK INTO THE MATTER AND PLEASE RETURN MY MONEY AMOUNT RS6900 AS SOON AS POSIBLE. OTHERVISE I WOULD BE TAKNG FURTHER LEGAL ACTION.

THANKING YOU.




Yours truly,

SANJEEV KAPUR,
30/72,
WEST PUNJABI BAGH,
NEW DELHI – 110026.

dear sir
my name is vipin kumar tiwari from kanpur my control number is[protected] and the cibil report show as defaulter of city bank but no any lane has taken to this bank and i am sending first mail to cibil oy bank and the bank toald to me that i am not sending any data to cibil but problem is at istis . i was informed that even if i settle this amount with citibank, there is no surety that cibil will remove my name from defaulters list.

dear sir,
Iavailed a personal loan in icici loan no; LIKRR[protected] .i closed my account on 12 03.2009
also i received NOC from icici.but in cibil that shows .there is pending in my account.
please check my account and kindly remove my name from the defaulter list.
thanking you.
K.RAVI
DOB; 22.03.1962.

http://groups.google.co.in/group/cibil-is-gun-of-credit-card-companies

my name is digpal singh rathore applied for car loan in tata finance limited. my name is reflected in cibil list. the cibil list is not disclosing the details regarding the credit card no. & from which bank that credit card is taken. kindly help me to know the detail regarding my credit card no. & detail of bank. my details are as under:-

membership id :- NB66221011
NAME:- DIGPAL SINGH RATHORE
DATE OF BIRTH :[protected]
PAN NO. - AFKPR2786M

KINDLY SEND THE FULL DETAILS AS SOON AS POSSIBLE.

THAKING YOU

DIGPAL SINGH RATHORE

I WANT TO CHECK IF MY NAME IS THERE IN THE CIBIL LIST OR NO..CAN ANYONE HELP ME PLEASE...

KINDLY CONTACT ME ON [protected]@gmail.com

Hello Team,

Please let me know if my name exists in CIBIL.

Regards,
TASLEEM

Currently I am holding 4 to 5 banks credit cards, and 3 of them are having disputes regarding payment. I have paid all money of my transactions but due to banks' mistakes and malpractices late payment were charged that I refuse to pay. Although I clearly mentioned to them that I am not going to pay late charges due to thier mistakes, they still keep on charging interests on late payment and are compounding them when actually there is not even a single rupee transaction and are demanding payments. When I refused, they are threatening me about CIBIL. Please suggest me any idea to get rid of them without spoiling my credit history. I have other banks' credit card and personal which are fine and they are running smoothly, will it still affect my credit history.

Also is there any way in which we can post reasons or comments on our status.

I would also like to know consumer court in Pune where I can sue these banks and how much time it will take for the whole process until and how convenient it is since I am doing 10 to 6 job at outskirts of city and any goverment official areas are around 20 to 25 km from here.


Regards,
Tajammul
[protected]@hotmail.com

I am the holder of Std bank gold debit card and the cheque book, initially when applying for the card, I also applied for the revolving credit and the transfering my home loans. Unfortunately the home loan did not materialise, but I got the revolving loan for R75k. The other conditions was tha I will transfer my salary into this account.Unfortunaley this did not happen because of failure to obtain the home loan and other work related issues. I kept the cheque account and always putting money in that account. The amount was getting consumed by the cheque account, and I sometimes pay staright into the loan account, until I got a call from std bank telling me I must deposit money staright into the revolving credit, I need to deposit straight into the cheque account. Mentioned my story that i do not use the account any more but want to transfer my debot order into my other bank's account where my salary is being paid. I was told I cannot do that. Went ot one of the branches, enquire, told that all the other facilities will be taken out and I must continue put money into chque acc. Only to find tha the money was not going into the revolving acc. being told I cannot cancel account. Account 25 041 554

s v sathishkumar
D.O.B[protected]

To
CIBIL

Respected sir,
I had drawn amount of Rs.70000.00 & second time Rs.49000.00, (Barclay Bank) with in 6 months I had pay amount of Rs.125000.00 (excess amount of Rs.6000.00) I ask to my full statement (written letter) but Barclay bank not give the proper responsiable. And also Barclay Bank inform to CIBIL wrong information. many more phone calls from collection department they added penal interest & late payment fees much more, Please helpme to remove defulters list

s v sathish kumar
D.O.B.[protected]

To
CIBIL

Respected sir,
I had apply Standard Charted bank Credit Card past 20 days. but that application rejected, reason of CIBIL defulters list, I doknow how is possiable. Please make refer to us as early

s v sathish kumar
D.O.B 29 july 1973


To
CIBIL

Respected sir,

It is sumitted that, I came to know that my name has included in the CIBIL for reason of non-performance in repayment of loan amount.

I submit that, as of now I am not outstanding to any bank since I have paid the entire dues regularly without any default.

I further submit, that I come to Know about the inclusiion of my name in CIBIL when I apporached loan from a Pvt Bank and It is snocking to me when I am not due to any Bank due When I am in regular payment of dues. Some Bank would have mistakenly included my name as a non-performance in CIBIL
which is illegal and it would deprive my legitimate right of borrowing money for devolopment Business.

Therefore under the above circumstance it is requested your Investigation Buearu to give me particulars of the Bank who have referred my name into the CIBIL. So thant I may rectify the same.

More over I am send message 3 times, But I am not received reply at once

Hi,
I had closed my credit cards by obtaining letter from the banks saying its full and final ssettlement. But now my personal loan rejected saying there is overdue and the balance is written off . what should i do now?? because the bank details not given i don have any clue where should i go to find solution for this?????

Dear sir,
I am taking housing loan from SBI, but i got some information that CIBIL report is showing me as a defaulter in auto loan.
I need all details and account regarding that auto loan, so that I could contact my respective bank.
My control no is 39, 57, 41, 609

With regards

Vibha Parashar

DEAR SIR,

I USED TO HAVE A CREDIT CARD WITH ICICI BANK FOR LONG TIME BUT SETTLED DOWN BECAUSE OF THEIR MISGUIDENCE & MISCOMMITMENT WHICH GAVE RISE TO INTEREST & LATE PAYMENT FEES & AGAIN INTEREST ON LATE PAYMENT AMOUNT.SEVERAL REQUEST MADE TO THE BANK BY ME TO CLOSE MY CARD AND ACCEPT THE BALANCE DUES, BUT BANK WAS ONLY INTERESTED TO ACCEPT THE MINIMUM DUES AND IN JAN 09 I HAVE SETTLED MY CARD AT BANK PLACE WITH AN AMOUNT OF Rs 10, 000.WHICH WAS DEMANDED BY THE BANK & PROVIDED ME NO DUES LETTER FROM THEIR END.

FEW DAYS BACK I HAVE APPLIED PERSONAL LOAN FROM CITY FINANCIAL WHICH HAS BEEN REJECTED BECAUSE OF MY NAME REFLECTED IN CIBIL SITES.

SIR, NOW MY POINT IS, EVEN AFTER SETTLING THE AMOUNT OF MY CARD AND RECIEVED 'NOC' THEN WHY MY PROFILE SHOWS NEGETIVE IN CIBIL OR RATHER WHY OTHER BANK ARE GETTING CONVINCED BY THE REPORT OF CIBIL.

IF THE NO DUES CERTIFICATE OF ICICI BANK DOES NOT GIVES VALUE TO OTHER BANK THEN WHAT IS POINT OF MAKING SETTLEMENT.I HAD P/L WITH ICICI, HDFC & EVEN WITH CITY FIN AND NEVE AND SO HAD ANY BAD PAYMENT RECORD.HOW COME A CIBIL SITE CAN RUINED A PERSON PROFILE THROUGHOUT HIS LIFE & HOW COULD IT BE A ONE SIDED JUDGEMENT & .IS IT THE PUNISHMENT WE ARE PAID FOR GIVING MONEY TO THE BANK.

AS AN INDIAN NATIONAL WE NEED RESQUE FROM SUCH HARRASMENT BECAUSE DEFAULT IS A TEMPORARY FACTOR WHICH CANNOT DESTROY THE ENTIRE LIFE OF A PERSON WHOSE ALL OTHER RPOFILE SHOWS EXCELLENT TRACK.

ANTICIPATING TO WITHDRAW MY NAME FROM CIBIL AT EARLIEST,

S.ROY
[protected]

joint loan — not taken loan but shows loan taken

I have no a/c with hdfc and I have not taken any loan but CIBIL report shows that I have taken Rs, 8, 00, 000/ from hdfc bank and the A/C NOis 3228449 and the current outstanding is Rs 6, 72, 846 for my hHOME LOAN FILE HANGED BY MY BANK S.B.I. BURDWAN BRANCH. and RM give me a letter and tell me to give them the details OF THE LOAN A/C OF HDFC BANK

Sir,

Plz provide me a credit information in your system.

Hi

I have applied Personal loan in HDFC Bank in Bangalore on 22 June 2009, I had provided all the documents which they requested. Later my Personal Loan has been rejected, I asked reason for the same, and bankers confirmed that your credit history is not satisfactory as per CIBIL report,

However I requested them for the CIBIL report but they dined to provide CIBIL report.

Kindly help in this regard & awaiting your reply

Regards

Guruprasad A R

PAN NO - AISPG9409K
HDFC loan application No[protected]

I took a housing loan from a bank and cleared it perfectly without any dues. Now when i went for another housing loan the bank refused to give me loan as my name is reflecting in cibil. It was due to the credit card result which was not cleared, as the mistake is on the bank side. So i immediately approached private finance and got my housing loan without any hesitations. Now cibil is doing good for all the private bankers, through which government is losing the money it should get.Otherwise i would have gone for loan with some nationalised bank and cleared my dues correctly with interest. This happened due to the mistake of a credit card banker, who gave wrong information to cibil.

I have also been a victim o[censored]ndue charges made by ICICI Bank on my credit card one year back. That card is closed now and last bill was somewhere around Rs 7000/- . Now i want to know whether my name has been added to CIBIL or not? It is very imp for me as i am going to apply for home loan shortly.

Recently I have taken Car loan from SBI.When they have disbrush my loan, the manager of Disbrushed dept has told me that you are not in good list of CIBIL.I reconfirm with CITI Bank (Since I used to hold CITI Card), they have tld me that I am good customer.But this data has surprised me a lot and I would like to clear it off.

dear sir,

I have informed by the Indusland Bank people that my name Pradip Das is in CIBIL, s defaulters list.
I don, t have any defaulted payment in my name. Just i want to know who made this complaint to
CINIL. So as to contact the person to rectify the same.

If you have any information for proof of my nagative information.
please give me all the details.

with regards

Pradip Das

I am fail to understand that where is CIBIL when bank they screw the customer by their system errors, sorry to say that KASAB brutaly killed the indian citizen, and CIBIL is also doing the same for the foreign banks,

THIS IS THE RIGHT THING YOU ARE DOING
I REALLY APPRECIATE THIS KINDS OF INITIATIVES

dear friend, , ,
even i am a victim of a same kind of case with HDFC bank as i have setteled dat long back but i am receiving there statements and the recovering executive a harrassing me...
Now bank is not granting me loan as my nameis uploaded on CIBIL
thnk u

33333333

I also have the same problem. I also have credit cards of HDFC, CITI, ICICI, SBI, SCB. I have the major issues with HDFC and ICICI bank. I have settled my accounts with these banks and made the full and final payments. I also got the zero balance statements from the bank. But in the CIBIL the status of both the accounts is showing full outstanding. I approached the banks and they have refused to update the status in CIBIL and when approached CIBIL they said they can only update the records upon getting information from the concerned bank. Even ICICI has given me a refund of Rs. 25, 000 stating that I have made the excess payment on this account.

Please let me know what to do now?

My name is on the cibil list even from when I was a student!!! As per CIBIL I have cheated ICICI bank for 5500rs. (ICICI credit card gave me card of 6000rs.limit as per their record.-2007 when I was doing my Diploma) Now I am working in a MNC from 2 years, but due to that problem I am a proudly DEFAULTER. Moreover ICICI bank have taken this money in feb-2008 from my saving account - 23000rs. (ofcourse bank can loot your money if you have done any mistake.)
Now I cant get any credit card, loans etc.
Thanks to CIBIL. WT[censored]

how can i surch my name in defalter list please send me proses
s.r. singh

Dear / Respected Sir,
i was having some banks credit cards some years back but for last many months back, i have made all the settlements with those banks and i am having all the ful & final settlement letters from them. there are no issues from my side. i need to know my presen status in your criteria by those banks as they submited. or please tell me the way how can i be tottally fre from these kinda harrasments. as per todays position, i have applied for a loan transfer for other bank but FEDERAL bank has refused to approve.as i am having all my accounts in SCB for last 3 AND 1/2years aprox and doing good transaction . i need to know the exact reason or other way, how can i be fre from these situations? please guide me properly.
shall be very much thankful to you.

To: [protected]@cibil.com
Date: Saturday, 25 July, 2009, 2:25 PM

RESPECTED SIR/MADAM

MY NAME IS K. RAVICHANDRAN, DATE OF BIRTH : 28.05.1971 MOBILE NO: [protected], [protected] LIVING IN CHINDATRIPET, CHENNAI(.)

ON 2007 I GOT SEVEN BANK'S CREDIT CARD AND I HAVE BEEN RECD SETTLEMENT LETTER FROM ALL THE BANKER'S(.)

BUT 2008 AND NOW 2009 I HAVE APPLIED HOUSING LOAN TO VARIOUS BANK'S AND ALL THE APPLICATION HAS BEEN RETURNED BY THEM AND UNDERSTOOD THAT MY NAME IS IN DEFAULTER LIST IN CIBL (.)

I REQUEST YOU TO KINDLY CHECK WITH YR DATA'S AND INFORM BY WHICH BANK AND BY WHICH BASE THEY PUT ME IN DEFAULTER LIST TO ENABLE THEM TO CONTACT AND SOLVE MY PROBLEM TO GET HOUSING LOAN PL(.)

RGDS: K. RAVICHANDRAN [protected]

I had a credit card that ran overdue, because i had to fund my father's hospitalization. I considered that more important than paying off the credit card. Still i had called them and told them the situation and my financial liabilities.
They promised me a hold on the card interest. I thought good of them. But after 4 months a statement arrived that was thrice the amount due. I called and mailed them to the world's end, but to no avail. Lastly, i had the card settled, though at a much higher price than it should be. I thought that the worse was over. But it seems, my name is the CIBIL defaulter's list, and i cannot get any loans now. I am just 27 now, with dreams to buy a house. But with my name on the list i can never get a loan.

I dont know where to go or what to do. I will be very grateful, if someone could guide me.

Thanks & regards
abhishek das

Ref : HDFC credit card no : [protected]

This is reference to the above credit card I have paid the full & final settelement to HDFC Bank. My settelement no E1.19086, Dated 26-Apr-2008. Now I have applied a Personal loan with HDFC Bank but the Bank are not process the loan because my name is catch in CIBIL list.

You are requested to please remove my name from CIBIL list so that I Can get a personal Loan from HDFC Bank.

Regards
Sambhu Saha
+[protected]

CIBIL — WRONG DETAILS

My wrong details are entered in CIBIL. Need rectification ASAP

Many a times it happens that due to credit card issuing banks and their misleading biz practice consumers are penalized. All banks should check CIBIL but should have the capacity to analyze the record of the customer. If any customer has paid or paying VERY REGULARLY EMIs of PL, CONSUMER LOAN and VEHICLE LOANS or unsecured loans then their credit history should be analyzed separately. They should not be victimized.
IS THERE ANYBODY TO LISTEN?

my wrong details regarding a loan in year 2002 entered please rectify asap

iam another victime of the formation of the organisation CIBIL.Credit card companies chargeexorbitant interest charges and through them into debt trap.By supporting these these credit cars companies CIBIL wants the customers pay huge amount as interst from the hard earned money by the middle class community.Charging above 18% or fixed by the Govt an individual money lender will be put behind bars.The same rule must be aplied to the credit card companies.CIBIL if suppports such companies should be dealt by the same Acts.Inaccurate informations when damage the customers only CIBIL should take responsibility as their Credit Report is taken as such by FIs.

visit forum.cro4india.org and login your complaint there as well as they are also in Credit Policy and might be able to help you out...the reson that I am refering to this is cause I know someone who got helped through this organisation.

DEEPAK SOLANKI
DOB 25/08/1983

I have some problem with HSBC Credit card and that was put in CIBIL list. I paid all out standing amount to the bank and they provided one letter with confirmation of removing my name from CIBIL wihthin 15 working days time. But the name was not removed from cibil around 2 months. HSBC bank executive send a requrest to the RBI to clear the name from CIBIL. The Bank executive saying that CIBIL is from the Government sector, so they will take more time to remove the name from CIBIL. Because of this problem i am not able to get my personal loan. Please suggest some suggestions or resolving techniquest to move the name from CIBIL asap.

Thanks