Dear sirs,



CIBIL may have listed names in defaulters list based on flimsy complaints
from Banks.

Recently I tried to get a car loan from bank of india bank. I submitted all
the required papers. Few days later , I was informed as my application was
rejected as I name was listed in CIBIL defaulters list.

It seems that CIBIL listens to the Banks blindly, without investigation.

Is there any government or NGO organization to help victims like me? If so,
please let me know?

Is there any way to make CIBIL listen people , and remove the names from
their defaulter list which is not supported by any court order or with
strict proof supported and confirmed by the defaulter as nobody can put any
body defaulter just after listening one side which is injustice and against
any laws.



Waiting for your reply.



Regds

sabu

My name Mandar hiraman garude
Last year i am using credit card of barclays bank.
For this card i had deposited chq of credit card in drop box before due date but the
has deposited this chq after 2 week of due date & stared to charged me penalty & intrest rate without any fault of me.
and now recently i applied for auto loan i get noticed that this bank has lisited my name in cibil
i.e. without my fault iam lisited in this list
also cibil has not donig any queries of what payment is balance at defaulter
is it used amt. or penelty amt

So pl tell me any suggesation
my email add omsohamptb@gmail.com

Dear All,

To sort out such kind of Banking complaints, you will have to send a written complaint to the Head Office of the concerned Bank and wait for the response for near 15 to 20 days. Keep a copy of that letter with you so that if the Bank fails to give you any solution, you can forward your complaint to the Banking Ombudsman.

Dear sir/madam,

I have applied for credit card one month back. The bank people are saying that my name is listed in CIBIL. I do not have any bad rating in paying the credit card bills or repayment of personal loan. I dont know why my name was listed in the CIBIL. Iam planning to go home loan at present and iam hypothetical situation how to go forward.

Kindly suggest what need to be done.

Thanks and best regards,
Eswar.

This is in reference to credit card of ICICI bank that has issued on JITNEDRA SHARMA name and is being related by bank to me. For your information my name is JITENDRA SHARMA as it appears on my PAN CARD (BGGPS2943M) and not JITNEDRA SHARMA. I am getting the statement of the same card since last 1.5 years on my mail a/c.

Further because of this card my CIBIL A/c showing out standing of 48000/- on my name which is absolutely incorrect. I do not hold any such card neither I am payable for any amount to ICICI bank.

I already have a Personal loan account no: LPDEL00010736090 with ICICI bank since last 2.5 years which is getting closed in June 2010 without any bounces / defaults in the payments of EMIs.

Because of the above said card the 2nd personal loan which I applied for has been declined although I have nothing to do with the said card.

Kindly take necessary and quick steps to remove any outstanding on my name form CIBIL for same card and send me a soft and hard copy verifying that I do not have any outstanding for the said card no issued by ICICI bank so that I can submit the copy with the bank form which I am planning to take another personal loan.


Thanks & Regards,

Jitendra Sharma
Mob: +91-9999021143

Please help me in getting my Credit Rating Report from CIBIL.

I have paid them the Draft of Rs.142 and also sent them the filled up form.

The CIBIL REFERENCE NUMBER IS 105026. I have been continuously folowing up with CIBIL in their mail id's myreport@cibil.com, info@cibil.com, CIBILlink@cibil.com, consumerqueries@cibil.com, but there has been NO REPLY FROM THEM.

Request Help from Consumer Court.in.

Regards

Arunudoy Bhattacharjee
arunudoy@yahoo.com

After completion of one yr of credit card issued from sbi ,i got an offer by saying ,u r lucky to receive 38000.00 from sbi credit card due to ur good reputation @10.5% only. After long conversation i agreed to accept with an emi of rs 1900.00 for 24 installment.i paid for entire tenure as per detail amount disbursed 38000 with an advance emi+some financial charges of rs 1995

38000@10.5% 10.6.05

date cheque no amount by instalment
10.6.05 548370 1995.00 1st installment
548372 2000
548373 1916.12
548374 1900
22.10.05 548375 1800
14.11.05 673577 1800 by hand
12.12.05 673578 1915 by hand
16.1.06 673579 1900
18.2.06 673580 1900
16.03.06 673581 1900 10th instalment
17.4.06 673582 1900
8.5.06 673583 1900
20.6.06 673584 1900
14.7.06 673585 1900
12.08.06 673586 1900
14.9.06 673587 1900
16.10.06 673589 1900
11.11.06 673591 1900
9.12.06 673592 1900
13.1.07 673593 1900 20th instalment
17.2.07 673595 1900
14.3.07 673596 1900
29.4.07 673598 1900
22.05.07 673599 30.78 total rs 42056.90
200 by hand last payment on request
last payment on request by mr sahil khan,[3339825757]3rd floor mintu park on telephonic talk in front of person came to collect amount mr biswanath[bapi 9831727326] receipt no 8691314 book no 173827 amount 200.00 dated 29.7.07 .person said now u will not be called.

Finally advocate named above ranged me to submit not less than 10000.00 two times more other fellow ranged for the same.and finally came to know that my name is included in cibil.
Never take money from sbi credit card if u want to take sound sleep. This fellow never sends statement in time and charges for the same.

I have been struggling to obtain my CIBIL report since 1.5 months now. I have sent the application form along with the DD of Rs. 142 and my latest bank account statement. But i have been receiving conflicting responses from CIBIL while calling them through phone or writing them an email.


Sometime they respond saying it will be dispatched in next 2-3 days, sometime they ask for a letter from my bank confirming my present address. I sent them my 3 previous bank statements as well, which contain the same address, but CIBIL says the address in their record is different.

I don't understand as why should i suffer, if they don't update their record even in last 3 months?
Are the banks in business of issuing the residence verification certificate, if not why is CIBIL asking for it?

My bank has refused to refused to issue any such certificate. Means i can never get my Credit Report?

I fail to understand that under what circumstances such a critical function or rather a backbone of financial market of India was allowed to put in private hands?

Such critical date should be managed ONLY by any division of RBI to ensure the integrity off information and timely access to the individuals in need.

Hope CIBIL will stop harassing me and RBI will take appropriate action to correct any such errant body.

CIBIL may have listed names in defaulters list based on flimsy complaints
from Banks.

Recently I tried to get a car loan from bank of india bank. I submitted all
the required papers. Few days later , I was informed as my application was
rejected as I name was listed in CIBIL defaulters list.

It seems that CIBIL listens to the Banks blindly, without investigation.

Is there any government or NGO organization to help victims like me? If so,
please let me know?

Is there any way to make CIBIL listen people , and remove the names from
their defaulter list which is not supported by any court order or with
strict proof supported and confirmed by the defaulter as nobody can put any
body defaulter just after listening one side which is injustice and against
any laws.

you cannot mail even to CIBIL. they email server doesnt work. if you have grivances and want to approach CIBIL. postal will never be replied. CUSTOMER CARE NUMBER NOTE REACHABLE, AND EMAIL... YOU WILL RECEIVED FOLLOWING REPLY

The following message to <consumerqueries@cibil.com> was undeliverable.
The reason for the problem:
5.3.0 - Other mail system problem 554-'Message rejected for policy reasons.'

TOTALLY ONE SIDED AFFAIR OF BANKS AND THEIR AGENT BY THE NAME OF CIBIL.

INTERESTING.

Hi My name is Kapil Sethi. I was using the Barclays credit card for good long period of 2 years. In the month of January 2010 I made a purchase of Rs. 25000. The due date of payment was 26 feb 2010. I didnt get any statement from the bank. I called the customer care several times But no solution. The bank levied the Late payment charges alongwith Penalty. The matter was stretched for a period of 5 months. Till that time the default was updated on cibil After my follow ups with the bank, they admitted to reverse the part of the charges because of non delivery of statement. I paid the total outstanding on my card account and also recevied the NOC from the bank. The payment was made on July 29,2010 but my cibil rating is not yet updated . Whenever I call customer care of barclays they say that I have to approach cibil for updation of the rating.

I donot know why because of bank's poor services a customer has to suffer?

Dear sir,
I never took any loan and also not used credit card. Banks are showing cibil reports against me.

I have an Education loan for Rs 2.2 Lakhs from SBI , Nagalapuram ( Branch Code : 04724). But in CIBIL it is being shown as 2 loans.

1. Education Loan for Rs 2.2 Lakhs taken in 2004 Feb.
2. Personal Loan for Rs 2.2 Lakhs taken in 2004 Feb.

At Present my outstanding in Rs 65,000 only but in CIBIL it is showing as Rs 1.35 Lakhs. I applied for Rs 2.5 Lakh personal loan from HDFC. They told to submit proof that I have taken only Education loan. How I can get the proof for a loan which I have not taken and wrongly entered in CIBIL?

HDFC had calculated per month EMI for each loan as Rs 6875/- and since its double entry of same loan, this itself is accounting for Rs 13750/- per month instead of Rs 6875/-. This is reducing my loan eligiblity to greater extent.

I was a student in 2004. I took education loan for my Engineering Course. How could I take a personal loan in my name being a student who is availing for an education loan? It is purely illogical and its affecting my credit score to greater extent and my loan eligiblity too.

I have contacted SBI and got confirmed that they updated properly and the mistake is from CIBIL only.

Some one help me to solve this and close the duplicate entry in CIBIL.

Sukumar R
9940686509

respected sir I (DODDI SRINIVASARAO) my D.O.B:2-12-1969,PAN no.ALLPD5955H,Dr.no.44-27-77/1,77/2,rly new colany,dondaparthi,visakhapatnam,andhrapradesh,IND IA.mobile no.09347989860.
i Applied for home loan in ING VYSYA BANK LTD ,visakhapatnam.the had taken my name CIBIL report but in that report reflecting auto loan written off but i have no any loans conformmly.. another name is D.SRINIVASARAO,dr.no.44-27-7,rly new colony,visakhapatnam..this is not my door number and not my D.o.B..So please verify my Pan,DOB,My Name,and rectify my CIBIL report correctly and send to my mail happyhome333@gmail.com requestly..
thanking you sir

from:
DODDI SRINIVASARAO,
DOB:2-12-69
PAN:ALLPD5955H
ADDRES:
44-27-77/1 &77/2,
RLY NEW COLONY
DONDAPARTHI
VISAKHAPATNAM
ANDHRAPRADESH
INDIA.
E MAIL:happyhome333@gmail.com
cell;09347989860

Mr vijay kumar dineshchandr agarwal pan no AGNPA3659E DOB 23/04/1982

ADDRESS

52 RAMVATIKA SOCIETY,TP13 VADODRA PIN 390002


THE ABOVE CLIENT THERE IS NO AUTO LOAN AGAINST HIM FOR 590000 AS MENTIONED IN HIS CIBILREPORT.
FURTHER CONSEQUENTLY THERE IS NO DEFAULT.KINDLY LOOK INTO THE MATTER URGENTLY AS HIS LOAN IS HELD UP.HE IS LIKELY TO LOOSE 250000INR BECAUSE OF THIS .THE CLIENT MAY GO TO COURT IF NOT SORTED OUT

KINDLY LOOK INTO THE MATTER AND REPLY
HIS PHONE NO 9328792999