[Resolved] Home Credit India Finance — loan cleared and got noc and till now cibil showing written off settled | |||||
Dear Sir, / Madam, My self Vivek Malhotra having loan account no./[protected] sir I had cloed mine account and having NOC from your self .. Again iam seeing mine CIBIL that it was shown " Written Off Settled"..due to mwhich no bank is giving loan to me, firstly I GOT harassed by a person who snatched mine bike and now you (Home credit ) Financer, Which I give full n final paymnets due to mine reputataion, And still showing written off settled . Why ??? I want to draw yours kind attention that I had not settled I had closed mine account and attaching NOC and CIBIL Reports For yours Reference Thanks & Regards Vivek Malhotra Account no.[protected] MOb no. [protected] Was this information helpful? | |||||
Sep 2, 2018 Complaint marked as Resolved Home Credit India Finance customer support has been notified about the posted complaint. Verified Support Aug 02, 2018 Home Credit India Finance Customer Care's response Home Credit India Finance — loan cleared and got noc and till now cibil showing written off settledDear Vivek, This is in regards to your concern registered with us. We have referred to your account and we would like to inform you that the status “WO” is changed to “Post WO settlement” with no dues. Since the loan was originally Written Off which means that loan was not paid till 360 days and it cannot be erased. Thus, we cannot change the status from Written Off to Closed/Standard. We trust the above information is to your satisfaction and will surely be of help to you. For any further help, please contact us at the below-mentioned toll-free number or email id. Regards, Customer Care Team Home Credit India Finance Private Limited | Call –[protected]; Email – [protected]@homecredit.co.in | Business Hours – Monday to Sunday, 9 AM to 8 PM | |||||
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3rd Floor, Tower C, DLF Infinity Towers, DLF Cyber City, Phase- II, Gurgaon, Haryana, India - 122002
This is in regards to your reply with above said, Firstly I want to draw yours kind attaention towards the scenario, I was truly affescted by Non fortunate conditions, That truly bad experienced me and after that
I paid you fully and final payments including interest and penalty to you, and if you are saying that Thus, "we cannot change the status from Written Off to Closed/Standard."Than please let me know how you cannot remove this Because of MASTER CIRCULAR NO.DBOD NO.BP.BC.20/21.04.048/2008-09Dated 04 july 2008, as per annexure 4.2.5
4.2.5 Upgradation of loan accounts classified as NPAs
If arrears of interest and principal are paid by the borrower in the case of loan accounts classified as NPAs, the account should no longer be treated as nonperforming and may be classified as ‘standard
Accounts. With regard to upgradation of a restructured/ rescheduled account which is classified as NPA contents of paragraphs 4.2.15 and 4.2.16 will be applicable.
Now if all these definition could not understand you Than specifically I Moved to Consumer court for mine justce and mine propers Accounts.because you know a little part of law ., and I know every part ...
So I don’t want to spoil any kind of relationship with HOME CREDIT, if you really want to do me the same ..THAN REMOVE THE SETTLED OFF OTHERWISE COURT WILL ASK YOU TO REMOVE
Thanks & Regards
Vivek Malhotra