Dear Sir/Madam,


I am Sachin Kumar Singhai residencing Bangalore, approched to HDFC Bank,Sagar(M.P).- 470 001 for home loan to buy property at my home town (Sagar M.P. - 470002). The home loan application is under progress but during the verification they said I have taken a Personal loan in last 2-3 years.


I would like to declare that I have never taken any personal loan OR any kind of loans from any nationalized or private banks in last 5-6 years. I am actively using HDFC and ICICI bank credit cards, and they are not having any due as of today other than uses of January 2012 . I was having a EMI on HDFCs’ bank credit card in around year 2008 -2009 which is paid on-time.


Unfortunately, couple of time, I may failed to pay credit card bill on-time due to personal reasons like – I am not in India for continuously two months OR I dropped cheque leaf late (but late fees was waived off on valid reason) OR I forgot to pay which is having very less chance(do not remember any instance but possible).


Now the problem is that my name is display under personal loan list and HDFC is not comfortable to process my home loan application.


I will request CIBIL to discuss with concern bank and department to make my profile error free.


Please rectify report accordingly OR let me know what could be the next step.


Regards
Sachin Kumar Singhai
Ph:+91 96325 09190
email id:mrsachinsinghai@gmail.com