Credit Information Bureau India [CIBIL] — low cibil facing problem

Address:

8/7, prem nagar lodhi colony, New Delhi-110003, New Delhi, Delhi, 110003

I am facing so much. I have taken loan from kotak mahindra bank paying per month loan emi 8945 p. M. Which is on very high rate of interest somebody told me rate of interest 3% but i have recd statement interest amount is 24% which is very high.

Also i have applied loan from my previous company's salaries account and my loan emi's cut through ecs now i have left the job from that company, but i am paying my emi's through another bank by neft but kotak bank showing my 11 emi's bounced whereas i am paying regularly my emi's from another bank only 1 emi is pending from my end.. My cibil is down only reason from kotak bank. I don't understand you guy's proving your customers good services or creating a problems with them.

I can't apply loan from anywhere due to my cibil is down.

Kotak customer care department is saying visit branch and discuss the same thing. But i am not able to go bank in this time due to some problems.