Originally Posted by sst

My husband applied for a car loan and has been fidnding it difficult to get one becasue of my credit report even though he has a clean CIBIL report. I have taken a personal loan from HDFC bank which has already been repaid but during the course of repayment there has been 11 cheque bounces for which there are some outstanding amount (cheque bounce charges). This was not in my knowledge at all untill recently when we applied for the car loan and we were told that the loan can't be processed due to my report. I have now made the payment and got an NOC for the bank but still we are unable to get a loan. How can we come out of this situation? I would like to know if i would be able to avail loan ever in future or not????

Dear Customer,

We are extremely sorry for the inconvenience you have had to face. Once we are ascertain that you have indeed repaid your dues, we will initiate the necessary steps to have your name taken off the CIBIL. However, we would need a few more details from you. Request you to write to us at talktous@hdfcbank.com with your loan account number and your contact details. Please also include the complaint id TTU00099306092010 in the subject line of your mail. As soon as we receive this information, a bank representative shall contact you.

Regards, Customer Assistance, HDFC Bank