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Housing loan problem due to credit card, cibil report

This is a discussion on Housing loan problem due to credit card, cibil report within the Loan Against Property forums, part of the Loan category; I am interested to by a resell row house. therefore i submited the required document to indiabull .But,the representative of ...

  1. #46
    Unregistered Guest

    Default complaint related to home loan

    I am interested to by a resell row house. therefore i submited the required document to indiabull .But,the representative of the same told me that in 2007-2008 i was apply for home loan & that time it was rejected.,But, before this i never apply for any home loan. suggest me Gaikwad v.k.

  2. #47
    sam_sri is offline Junior Member
    Join Date
    Aug 2011
    Posts
    1

    Default CIBIL Report Complaint - Not able to get Loan

    Ref : PMRY Loan A/c No. 3-163 dated 03/05/1999

    Sub : CIBIL Report Issue – Outstanding of Rs. 40,000.00

    Sir / Madam

    This is in reference to the above, would like to inform you that I had borrowed a PMRY Loan of Rs. 70,000.00 (Rs. Seventy Thousand Only) from Bank vide PMRY Loan A/c No. 3-163 dated 03/05/1999.

    In further to that would like to inform you that I had fully settled the above Loan Account and also got No Dues Certificate from your branch. But when I enquired with CIBIL, my CIBIL report is reflecting that the above loan account is overdue with Rs. 40,000.00 and it has reflected in my CIBIL.

    I am attaching photocopies of the documents listed below for your ready reference. Request to do the needful at the earliest and intimate CIBIL about the clearance.
    1. Copy of CIBIL Report
    2. No Dues Certificate
    3. Account Closing Statement

    Please treat the matter on high priority and resolve the same at the earliest and confirm
    Also clarify me why this reported to CIBIL when the account was closed with full settlement.

    I have already sent mail/courier to CIBIL, and as per them they are already in process of resolving the same stating that they are waiting response from your side.

    Please get the issue resolved at the earliest.


    Regards
    Sameer Srivastava
    Mob : 09335487882

  3. #48
    Unregistered Guest

    Default not able to take homeloan because credit cards are showing default in CIBIL

    Hi,

    I have settled my credit cards before 3 years back and still it is been showing as default in CIBIL. I am facing problems when approaching for HOME LOAN and am stuck without knowing what to be done further.

    Any guidance available how to move ahead with this problem and to get my home loan.

    Regards,
    Ignesh.

  4. #49
    mywork2011 Guest

    Default Cibil reports

    Cibil institution is one of the worst credit organisation in India which maintains non confirmed details from bank. I think now its time for Govt to take some steps.....otherwise we dont have any go instead of going to other country and settle.....we dont get loans then why these people maintain such big financial organisations....at one point it will lead to a stage where banks will face problems themself....because if there is no fund cycling then there is no profit....however upto them....

  5. #50
    Ashraf Hussain Guest

    Default Ashraf

    Dear Sir,

    I had credit cards such as Satandard Cahrtart Bank.

    I was a defaulter due to certain unavoidable reasons. However I mader settlement in 2006 or earlier for that cards. But my name is still in CIBIL i rquest you ti kindly remove my name from the CIBIL or suggest me how to remove.

    My details are as under
    Ashrah Hussain
    Pan Card No: ABMPH2084C
    D/o/B: 29/11/1974
    Phone : 033-40183635
    Thanking you
    Ashraf Hussain

  6. #51
    Unregistered Guest

    Default Ashraf

    Dear Sir/Madam,

    This is to inform you that i have sattled my standard chartered bank credit card amount in 2006 but still my name is thire in CIBIL. due this i have facing lot of problems on my bank ducomantion for other work.

    Requesting you kindly advice me the process to enable me to get name out of the CIBIL.

    Your cooperation in this matter will b highly appriciated.


    Regds,
    Ashraf
    9874580099

  7. #52
    Unregistered Guest

    Default Problem with personal loan

    hi,
    This is varun Ajmani,looking for a personal loan ,which has been denied because of cibil credit rating for the year 2002.since year 2002 ,have got loans with a about 2.5 or 3.30lac or more or less had ran small loans during the period 2002-2009.never ever had a problem with any paper or documents which were good enough to acclaim the loan.looking at a track record too never had any problem to clear them up on time ,however,this time after applyimh for personal loan got the information that my credit ratings were bad since some bank for the year 2002 has rite off some credit card on my name & even though i am not a defaulter ,just coz of that unknown bank with some credit card detail's for year 2002 has forwarded it like a civil case.i tried to check with satyam ,my name doesnt appear to be in defaulter list & some how i have been denied a personal loan against 2002 with some bank giving a civil case on my name ,will appriciate if things can be clarified howw cibil works or whats the criteria of judgement .its a lil embarrasing even when you know you are not defaulter & still you being accused of being a defaulter & one more thing when a executive bank comes to collect documents for any service like cr/cards,loans ,does cibil ever thought of there credibility or banks credibility that the documents will not be misused
    cty2k_hyatt@yahoo.com

  8. #53
    Unregistered Guest

    Default Your cooperation in this matter will b highly appriciated.

    Dear Sir/Madam,

    This is to requsted you that i have paid all due amount against my HSBC credit card 2009. But still my name is thire in CIBIL. due to i have to facing lot of problems on my bank ducomantion for other loan.

    Requesting you kindly advice me the process to enable me to get name out of the CIBIL.

    Your cooperation in this matter will b highly appriciated.

    My Pan Card -: AJYPG 4623 N
    DOB -: 03rd May, 1982

    Regds,
    Ashraf
    9874580099

  9. #54
    Dr. Prabhakar Patil Guest

    Default Debit balance promble in loan

    I am take a Debit card in 2000 to 2001. But I am not use the card. But now I Apply for loan IDBI And my loan not pass due to defaulter. I have no any documents related to my debit card. I am ready to pay my balance but I having no idea about the my balance. Please sent me my details statement and in what bank i debosit the amount. My full name is Dr.Prabhakar Sudhakar Patil,Nashik. My M 9423968417 Pan No. AFOPP3176M Birth Date 15-7-1973 Send me details as early as possible,Thanking You.

  10. #55
    Unregistered Guest

    Default regarding removal of my name from cibil

    Dear sir my score is 580 pls tell how i remove name from cibil.My name is rohit shorie.
    Phone no. 93188318985

  11. #56
    Unregistered Guest

    Default I want rejection letter in online

    I am applying personal loan in icici bank it will rejected i want to rejection letter in online

  12. #57
    Unregistered Guest

    Default Cibil is not authentic

    CIBIL provides manipulated data to bank and hope they get more money for blocking others loan.They are validating public credit information and if somebody goes through thier details will ditch Cibil.
    I applied for loan and found thier data completly mismatched and creating a bad image.Also thwy are not ready to take responsibility for the data shared and claiming Banks for the mistakes.

    Why the hell then Banks are dependent on CIBIL

    CIBIL is fraud and people should join hands together and fight a case against them in the people interst

  13. #58
    KUBERJOSHI@SIFY.COM Guest

    Post Rectify cibil

    Respected sir,

    in my cibil sbi credit card amount written-off/settled status. I wish to inform you that i have already paid my sbi credit card amount in year 2003. After that in cibil overdue rs. 1305/- stand till today.

    I request kindly correct the same in your record. And i have already taken noc from sbi.

    Thanks,

    regards


    kuber chandra joshi
    9351450003

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