[Resolved]  Shaha Finlease — over outstanding amount from credit card over rs.13 lacs which I have never taken.

Address:

Thane, Maharashtra, 400601

My name is Punam Rathod. Few days back I had applied for housing loan, which the bank refused telling that my Cibil score is low. When I checked the score it showed the outstanding over RS.13 lacs which I had never taken. I had the card from 2001 to 2003 with the dues already paid off, and then I destroyed the card. I also had taken the letter from the concern officer for the payment paid. And now after 15 years, when I am applying for the loan, which I am not granted due to bad Cibil score showing outstanding on SCB credit card. I have not kept the payment receipt as 15years had passed and I didn't imagined about these fraud case. And cibil statement shows that someone has been making payment of 181 rupees to keep my card active and the last payment done on my account was June 2018.

Please somebody help me out of this, as I am a middle class person never taken loan as saving my creditability for taking housing loan at the end of my service and also salaried person with no savings at the end of the month.

How am I to come out of this, me and my family's dreams are shattering and am not able to sleep also as mentality harassed and disturbed.