Hi,

I am Srinivasan from Chennai, I have been in to IT profession past 11 Years,
I have not taken any loan / credit card or PAN Card till 2007,

Frankly speaking i even doesn't know what is PANCARD because my income is only Rs.9000/- per month at that time and i am not at all coming under income tax bracket,

Later from 2007 i took 2 personal loans and paying it regularly without default, even i use to have my account perfect without any bounces,

Now when i applied for personal loan again to clear it the other 2 loans for consolidation purpose, the bank rejected my loan, they say CIBIL report says i have 2 PAN cards in same name and address,

I am no way related to it, and i dont know how i am being penalised for that.

People were collecting the proofs for many cases and not even bothered to return it, and if some body is misused it i dont know how to rectify it???

Is any body there to help me???

Regards.

Srinivasan

9840160229...

dear sir,

i am rishi kumar sharma from jaipur i have taken personal loan from ICICI BANK on 4/7/2007 A/C NO 10801346.WHICH WAS TOTALLY CLOSED (FULL AND FINAL SETELMENT) now problem is come that my name is come in cibil report from this so many problem come to take loan from other bank


so please give me some instruction nd report about it


rishi kumar sharma
moble no 8302044404
email bindaas.boy007@yahoo.com

MY NAME IS:- JATIN GHELANI
PAN NO:-AEEPC6624A
DOB:-12/09/1981
EMAIL:- Jjghelani1981@gmail.com

I ANT TO KNOW MY CIBIL STATUS CAN ANYONE HELP ME?

My name is Srikanth Reddy Annapureddy after some two banks I get credit card if my conditon is not better so I am defalter but I pay all laon and cridet card on sttlement base but all banks not cut my name difalter list so I am very harsh this time my conditionis better so kindly cut my name defalu list


Name : Srikanth Reddy Annapureddy

Shop Address: Ews 408 Road no-2,Kphb colony,kukatpally,Hyderabad – 500072.

My Email Address is : asreddy_1985@rediffmail.com
Phone mo. is : 9989882345

Please Please look my problem


Bank Name, ICICI Bank ,Barclayas Bank

Mayank arora is a defauler from SBI credit card and mahindra finance is offering loan to him for a car how can they do it . have the bank not checked his previous history for loan re payment. its shocking and disgusting. he has applied for the loan and the bank has not checked anything and has approved for the loan of 8 lakhs to him but he is a defaulter of 50000 rs on State Bank if India credit card... is this going fine and how can the banks earn profits if they do such things
Mayank arora
K E 8 kavi nagar Ist floor
new kavi nagar Ghaziabad ( U P)

THE LEGAL TECHNICALITY OF A BANK loan settlement is
for ex: you have borrowed 1 lakh rupees and have settled with the bank for 50 thousand ., the same you shall recieve a full and final settlement letter from your banker as per agreed settlement terms.
however the bank shall report the same at the end of the financial year march 31st to the RBI and claim for the loss to be helped by credit allowance facility.
so even if the client pays 50 k and settles with the bank , The bank sends CIBIL the credit report as defaulter for the settled client.

Now coming to how to resolve the matter.
Action needs to be taken by writ by a gazetted officer of Banking cadre to CIBIL in order to claim opportunity loss .
However This loss is for the consumer thanks to wrongfull andf baised display of which the bank as well as cibil are equally responsible.

For technical details call; dr.b.n.soans at 09245201687

Dear Sir,

I would like to inform you that, i have closed my Credit card as settlement with bank ICICI & HDFC and i got the closing letter from bank. And they confirmed there is no dues are pending in your a/c.
But when i applied for personal loan at fullerton bank they informed me your crdit card payments are showing dues in CIBIL and bank has refused to provide the loan.
So i confirmed with ICICI credit card cutomer care for pendency of my payment they informed there is no dues are pending in your a/c and it is showing NIL.
In this regard please advise me how to clear this issue, so i can apply for other loan.

Pls find the credit card details:
ICICI BANK :
NAME :M.K.SACHIN
CARD NO: 4477468532814006

HDFC BANK :
NAME: MAROLI SACHIN KUMAR
CARD NO:4346772005270045

Waiting for your reply...

Regards,
Sachin Kumar Maroli.
Mob: 09972480066
Email: sachin79_maroli@rediffmail.com

Originally Posted by SACHIN KUMAR MAROLI

Dear Sir,

I would like to inform you that, i have closed my Credit card as settlement with bank ICICI & HDFC and i got the closing letter from bank. And they confirmed there is no dues are pending in your a/c.
But when i applied for personal loan at fullerton bank they informed me your crdit card payments are showing dues in CIBIL and bank has refused to provide the loan.
So i confirmed with ICICI credit card cutomer care for pendency of my payment they informed there is no dues are pending in your a/c and it is showing NIL.
In this regard please advise me how to clear this issue, so i can apply for other loan.

Pls find the credit card details:
ICICI BANK :
NAME :M.K.SACHIN
CARD NO: 4477468532814006

HDFC BANK :
NAME: MAROLI SACHIN KUMAR
CARD NO:4346772005270045

Waiting for your reply...

Regards,
Sachin Kumar Maroli.
Mob: 09972480066
Email: sachin79_maroli@rediffmail.com

Dear Mr Kumar,

We would like to investigate your complaint further, for which we would need a few additional details: request you to write to talktous@hdfcbank.com with your credit card number, contact details and the reference id TTU00281104032011. A bank representative shall contact you as soon as we receive this information.

Regards, Customer Assistance, HDFC Bank

if yes, then of which concern.

dear sir,
i was using credit cards due to some financial problem, i couldnt deposit the amount within time, but has settleled all credit cards. denafter i m facing cibil problem...please let me know how to cancelled my name from site

i have applied for home loan from ICCI bank. They have told me that my cibil report has four settlements wrt my credit cards. I have not settled any credit card dues to date. pls advice me how to remove my name from the negative list of cibil

thanks
balakrishna

Dear Sir,
My PAN No. : aahpl0716d
I would like to inform you that, i have closed my LAp Loan as settlement with bank Citi Financial consumer finance India Ltd. and i got the closing letter from bank. And they confirmed there is no dues are pending in your a/c.
But when i applied for another loan at SBP they informed me your Lap Loan payments are showing dues in CIBIL and bank has refused to provide the loan.
So i confirmed with Citi Financial consumer finance India Ltd . for pendency of my payment they informed there is no dues are pending in your a/c and it is showing NIL.
In this regard please advise me how to clear this issue, so i can apply for other loan.

Pls find the credit details:
Citi Financial consumer finance India Ltd. :
NAME : Bhushan Lal
Ref. No.:8479091

Waiting for your reply...

Regards,
Bhushan Lal
Mobile no. 09464641422
Email: vinaymalhotra82@gmail.com

Respected sir,
Fullertons india
CIBIL Control NO. 470912492 (MY Member ID BN01143797) this notification send in CIBIL in defaulter list claim By us Rs 1,50,000 falsely claim please myself attaching last letter copy to fullerton India But no response getting from his side. Myself Given them vereberly offer mention telephone no-,09748735971, 03366112200 from FullertonIndia Agent but no positive from his side i have also send letter his official main ID but no response getting by us please take this matter urgently and settle urgently.
Please see this in urgent base myself ready to pay actual due as per RBI loan guidelines under government of India rules.
Myselg Getting for your reply

Thanking you

Navin kumar jain
09474896686
E-mail- navin_20jain@yahoo.com





myself recived time to time telephone message from verious telephone no,09748735971 and 03366112200 about EMI Rs,4198/-
last call recived from your this given no,dated,2nd june 2010
about reminder of EMI two month,
myself strickly told him given us total EMI details payment by us given us exjuct suitable prposal for final settelments for amount because your last office given us a assurence intrest rates will be decrees after 6 month as per regular seen EMI payment but myself paying 13 to 14 month regular payment,but itrest rates not decrees by yourself,so myself unhappy to move your kharagpur office that times offician staff your intrest rates are so many high,as per regular finence company,till date you are regular depositing the our given cheque in our PNB account n,2373002100003467,&deducting Rs 300 per month in my account
may i requesting again yourself please send us message final settelment amount as early as possible,or suggest us for next steps.your kharagpur office already closed,myself mostly during my official work outof station not available in kharagpur for long times,
again I requesting you,please send us final settelment details as per law,
Thanking you

Hi,

This is Twisha Banerjee from Gurgaon. 3 years back, I have borrowed a car loan from ICICI bank for the tenure of 3 years.

The DSA through which we have forwarded our paper, had changed the “Application Form” resulting changes in the tenure. They have done the wrong signature on the duplicate ‘Form” & submitted the same to ICICI.

We have request ICICI lot of times through personal visit, letter & written complaints but no action has been taken from them.

Finally we personally approached “LOK Adalat” & presented our case. The court was convinced with our justification & ordered us to pay the complete loan amount worth Rs. 2.48 Lacs at a single shot within 15 days from the date of the order.

We have payed the complete amount of Rs. 2.48 Lacs to ICICI after a week from the date of order.

Almost a year has been passed but till date no one from ICICI was bothered to give us the NOC.

They have posted our records on CIBIL during the initial time of the loan. The current status is remain same even we have done the full payment 1 year back.

We are fare enough on our part from the day one but we have suffered a lot to close the loan. Now we are suffering because of our records on CIBIL.

May I request to kindly let us know the way through which we will clear our records from CIBIL. I have complete papers is with me of the aforesaid loan & I will prove that fault is not on our part.

Please help me out to remove my name from the defaulter list.

Regards

Twisha Banerjee
Agreement No: - LAGUR00012403904
PAN: - AKTPB7637F