Hello Sir,
I am facing a lot of problem regarding which i need ur guidence
sir I never took any loan from this bank.DETAILS ARE MENTIONED BELOW.
1.
Type: Business loan-Priority sector.
Ownership: Guarantor.
Sanctioned : 6,00,000/-
Current Balance: 3,96,354/-
Opened: 07-02-2008.
Reported: 30-06-2009.

2.

Type: Business loan-Priority sector.
Ownership: Individual.
Sanctioned : 6,00,000/-
Current Balance: 4,00,000/-
Overdue: 11,718/-
Opened: 07-02-2008.
Reported: 31-12-2008.


3.

Type: Credit Card.
Ownership: Individual.
High Credit : 785
Current Balance: 0
Opened: 21-07-2005.
Reported: 30-04-2010.



According to the report which i have got from cibil credit report i got to know that bank has issued a loan of Rs.6,00,000/=- which i took from BOB as HOUSE BUILDING LOAN of Rs 4,00,00/= and repay the entire amount i have the statement and rest two cases i did not take any BUSINESS LOAN from any bank and now they are telling me that i have to pay a balance of I want to know to whom the bank has issued the loan on my name when i have not taken any loan from this bank.Now i required a furthe bank loan but i am unable to get the loan because loan shows on CIBIL i have no loan till on the date i just want to know who the people are doing so and crash my reputation.

Please guide me or suggest me what should i do or whom should i approach regarding my case as there are many faults and misguiding in my cibil consumer credit information report and because of this misguidence and my spoilt reputation i have applied for home loan from some other bank and because of this they are not giving me the home loan.

Will be waiting for your reply

Dear Sir,

My self Raja. I had a credit card but due to some issues with banks i close those card and settled my account and got the full and final letter from them. When i applied for a Housing loan, i been informed that my name is in cibil defaulters list . So how can i overcome and remove my name from defaulters list, i wants to know the procedure and let me know how its happens without any prior intimation.

kgpuva1000@yahoo.co.in

Dear Sir,
My Name is Shammi Sarin and i was using Credit card of HSBC Serial number 4476925499779515
In 2005, on Sunday I received call from HSBC customer care to check if I have made any transaction on my card that day, since I didn’t move out that day there was no chance of any transaction on this card and when I checked the card in question, it was with me safely.
I was informed that someone has made two transaction, one for petrol of 150/- and immediately another purchase of 9996/- from some shop, since it was a suspicious transaction their call centre called. On my confirmation that the card is with me and I have not made any transaction, they blocked the card immediately and assured of investigation and action.
To my surprise, they sent me a letter after few days mentioning that since the transaction happened in present card mode they are debiting my account, which was very frustrating and annoying as i never expected HSBC bank to behave like this. I cleared all my account except these two fraudulent transactions and communicated in writing to waive off my account for these transactions..the present statement shows the outstanding amount above 85K due to interest and penalties.
Further to inform, I am presently HSBC premier customer and otherwise quite satisfied but this incident is definitely creates bad impression on the bank.
Every year I receive call from their recovery agents and they convince me to settle the matter at very low amount, I have maintained one stand that it will be injustice to me asking payment which I have not used and the bank also knows that.
I tried calling various persons from HSBC bank for resolving this matter but seems no one either has power or interest and I am also tired speaking to HSBC recovery agents and their language. At the same time I have decided not be penalized for someone else so as a final resort, seek your help and intervention to resolve this matter.
Now my details are provided to CIBIL defaulters list sl no. 434429900 which is further bad taste and blackmail to me.
I have all papers in file relevant to this matter between me and HSBC and can be sent for reference.
I hope you will understand the agony I am going through and will suitably act to protect my interest as consumer.

Awaiting some action and reply.

Mailing Address

Mr. Shammi Sarin
Flat No 40 Triek Apts Plot No 85
I P Extn Nr Jain Mandir
Patparjanj
Delhi 110092

I guess, after reading so many goof ups, the CIBIL is all HUMBUG. As it is they covered only a few banks in the country and now people complain that their names are in the defaulters list of credit cards and car loans, when these people have never owned any cars and credit cards. What a pity, and we talk of computerised India and citizens identities, social secutiry numbers and bla blah, I guess the same goof ups will occur even in these records.

I am Vikram Panchal in 1996 HDFC bank issued me health plus card on which I was charged with some magazine subscription, with out my concent, due which I told to cancel this card with immediate effect, so Hdfc bank told me to destory the card at my end which I did after which when ever I am applying for any card I am always rejected. Till date I have paid all my dues in time, so please let me know what exactly went wrong so can resolve the matter.

Vikram Panchal
My email Id - vikramindustry@hotmail.com

Sir,

I Arijeet Santara with DOB 29th May 1984 and PAN no. BGIPS8819L
has personal loan from ICICI (A/C no. LITNE00010801222) of 50,000/-
which is about to complete in month of july 2010. I have been paying
my EMI every month through cash.As far I know since its not going
through ECS (which is originally set to) ,I am in defaulter list.I
wanted to if I clear all the pending amount immediately,how much do I
need to wait before applying another personal loan.

Awaiting for your response.



--
Regards,
Arijeet Santara.
+919702001408

pl tel how to know my cbil report i am not any dues in cbil but bank pepole tel some dues in my cbil pl tel me

Sir,
I want to know that either my name is in the list of CIBIL. If there is no my name in cibil then what is the procedure to get the clearance certificate from cibil.
thanking you sir
Mohammed Raisuddin
New Bombay Goods Transport
New Bombay Goods Transport Agency
nbgt_rais@yahoo,com

hallo sir/madam

my name is kamalakar s akode,from mumbai .your defoulter list shows Rs 57,712 as dues of credit card against name. but i dont remember bank name and credit card number , will you please provide me the same .

thanking you .

regards ,
kamalakar akode
9821166161

please check my name in defalter list. Particulars are as -

Name - Deepak Sangwan
Father Name- Lare Shri Prem Singh
Mother Name - Smt Chinta Devi
DOB - 16.12.1958

Hi Arijeet.

We would like to answer your doubts and queries pertaining to the issue put up. The contact details mentioned by you have been noted down and we will get in touch with you soon.

Regards,
ICICI Bank Customer Service Team.

Originally Posted by arijeets29

Sir,

I Arijeet Santara with DOB 29th May 1984 and PAN no. BGIPS8819L
has personal loan from ICICI (A/C no. LITNE00010801222) of 50,000/-
which is about to complete in month of july 2010. I have been paying
my EMI every month through cash.As far I know since its not going
through ECS (which is originally set to) ,I am in defaulter list.I
wanted to if I clear all the pending amount immediately,how much do I
need to wait before applying another personal loan.

Awaiting for your response.



--
Regards,
Arijeet Santara.
+919702001408

I have applied for my car loan bank is saying your name appears in cibil d list i want to know in which bank i'm in defaulter list and for what.

Sir,

I have cleared my dues with ICICI bank on thursday 17th June 2010 in Thane,Manpada Branch. I am awaiting for NOC which I should be getting by 1st July 2010. I want to know how and when the same will be reflecting in CIBIL report. Also can I apply another personal loan from any bank on the basis of NOC( considering CIBIL report is not updated).



Regards,
Arijeet Santara.
+919702001408

Originally Posted by Unregistered

Dear Sir,

my self govind yadav. i had 2 credit cards but t some issues from banks i close those cards and settle my account bit they put my name in cibil. when i settle my a/c they told that my nme would be removed from the list of cibil defaultersd. but it is till showing. so how can i remove my nme from defaulers list.

govind yadav
9899500123
yadav.govind@yaho.com

Dear Mr./Ms.,

I was holding a standard chartered bank's credit card and some amount outstanding due to my severe physical illness. At that time a person named Mr. Rajesh Purohit from c.b. customer card called me and I request him to give me some relaxation to my late payment charges. And he talk rubbish with me and for my wife and my mother also he talk something nonsense with can not be written here. After that I talk with their senior and he told me that we have received so many complaints about this person and he is fired and then he tell me to settle my account and as per his guidence I received a letter from the bank and I paid the amount also.

Now, when I asked bank that I will go to R.B.I. for his talk, they tell me no no it is not require, we will give you relaxation and then all of a suddben they submit my name to cibil. No my question is can I suit a case against mental harrasment to the bank. I am using s.b.i. card since last long time and I and the bank both are satisfied. But what can I do in this case. Please guide me.

Ajay Desai

Hello sir,

am residing in bangalore.

i've not even applied or not even received any credit card from HSBC bank. but they recently called me and told that, pay the outstanding amount of ~83,000 for the usage of credit card, if failed some legal action will be taken. this is really make me to feel worried.

i've immediately visited to HSBC Basavanagudi branch for clarification. they showed me some printout regarding the outstanding amount, in which my name is used with some fake address. i asked them to show the documents which are sumitted during the time of applying for the credit card, but they told it'll take 5 working days. i was totally disappointed, coz they suppose to show the proof's at the same time when its asked.

further verification they've asked my DOB and then told me to register a complaint in info@hsbc.co.in. i've register the complaint.

what i need to know is, how to approach this issue to solve as soon as possible.

Thanks & Regards,
R Loganathan