PLEASE HELP ME FROM CIBIL RECORD AS SETTLEMENT DUE TO FOLLOWING PERSONAL LOAN NO. LPMUM00012597346 FROM ICICI BANK, MUMBAI. That time I want to close (not settlement) this pesonal loan, but Bank Debt Managar pull me into SETTLEMENT

Date : 11/08/11

To,
The Managaer,
ICICI Bank Ltd.
(Personal Loan Division)
Mumbai

From : Dinesh Prakash Surve

Personal Loan Account No. LPMUM00012597346

I already closed (not settled) my personal loan account by cheque no.000014 date 14.07.2011 passed on 27.07.2011. I am very happy with association with your Bank with hardly any grievances.

Till date, I am always first preference to ICICI Bank for any Loan , Credit Card & other. But never unpayble or settlement with your Bank. If any difficulty arise from me for fund paid minimum amount but not settlement. I am enclose my personal loan statemnmt herewith with for your ready refernece.

When I want to close (not settlement) this pesonal loan( please focus on your telephone conversation on 12.07.2011 or 13.07.2011 between my wife Mrs Kavita Dinesh Surve and your Debt Manager Mr.Manish Vaidya), I paid Rs.45,317/- ( always ready to pay full amount) as per told Debt Manager Mr.Manish Vaidya. we never want (me and my wife) going for any settlement. But Debt Manager Mr.Manish Vaidya pull me to in settlement, I don't know why. This is effect in my CIBIL record veru very badly. never passing my Home loan which I want to take now in August 2011.

Please consider request to safe me from my CIBIL record

Should you decide not to consider, please let me know to do the needful.

Thanks and Regards

Dinesh Surve
(Cell No.9819004180)

CC to Mumbai Police











Date : 12/08/11

Dear Mr. Surve,

Thank you for writing to us.

We understand your concern, with reference to your mail, please note that the status of your loan will be updated in CIBIL within 60 days from the date of payment.

Also, we wish to inform you that the customer who avail loan from any bank, details will be updated in the CIBIL whether the customer is defaulter or not.

Looking forwarded to your co-operation and patience.
Sincerely,

Harishankar.P
Customer Service Officer
ICICI Bank Limited


Date : 17/08/11

Dear Mr. Surve,

This is with reference to your e-mail to Head Service Quality dated August 16, 2011, with regard to your Personal loan account LPMUM00012597346.

Please be informed that we had noted your request and we are looking into it, we will respond to you with the status by August 23, 2011.

We appreciate your kind patience in the interim.

Sincerely,

Pavitra Janga
Customer Service Manager
ICICI Bank Limited.


Date : 23/08/11

Dear Mr. Surve,

We understand that Mr. Sanjay Menon our Debt Manager had spoken to you, with regard to the query addressed for your Personal loan account LPMUM00012597346.

Please be informed that there is no laid down process for the request which is been put buy you wherein you are agreeing to make the payment of the dues and want the loan status as CLOSED instead of SETTLED, decision is pending with the for the same.

Hence, we request you to write back to us after 45 days or you may contact MR. Sanjay Menon on 02242516611 for further clarifications.

Looking forward to more opportunities to be of service to you.

Sincerely,

Pavitra Janga
Customer Service Manager
ICICI Bank Limited.


Date : 20/09/11

Dear Mr. Surve,

We acknowledge the receipt of your e-mail dated September 16, 2011.

Please be informed that we had noted your request and we are looking into it, we will respond to you with the status by September 29, 2011.

Thank you for your patience and valuable support.

Sincerely,

Pavitra Janga
Customer Service Manager
ICICI Bank Limited.


Date : 28/09/11

Dear Mr. Surve,

We wish to inform you that we would require more 10 days time for confirmation on the process for making the payment towards the loan account.

For necessary updation to be reported in CIBIL, we will respond to you with the status by October 12, 2011.

Thank you for your patience and valuable support.

Sincerely,

Pavitra Janga
Customer Service Manager
ICICI Bank Limited.



Date : 29/09/11

Dear Mr. Surve,

We wish to inform you that we would require more 10 days time for confirmation on the process for making the payment towards the loan account.

For necessary updation to be reported in CIBIL, we will respond to you with the status by October 12, 2011.

Thank you for your patience and valuable support.

Sincerely,

Pavitra Janga
Customer Service Manager
ICICI Bank Limited.


Date : 11/10/11

Dear Mr. Surve,

This is with reference to your e-mail with regards to regularize the Equated Monthly Installments payment for your Personal loan account LPMUM00012597346 instead of Settlement.

We regret to inform you that we are unable to process your request for changing the loan status as Closed instead of Settled in our records as per the Terms and Conditions of the Bank.

Thank you for your patience and valuable support.

Sincerely,

Pavitra Janga
Customer Service Manager
ICICI Bank Limited.

Dear Mr. Surve,

We regret to inform you that we are unable to process your request for changing the loan status as Closed instead of Settled in our records as per the Terms and Conditions of the Bank.

We are in the business of offering loans and would be happy to sanction every loan application, however we have a set of evaluation criteria on which all customers are evaluated.

Looking forward to more opportunities to be of service to you.

Sincerely,

Pavitra Janga
Customer Service Manager
ICICI Bank Limited.


Date : 11/11/11

Dear Mr. Surve,

We regret to inform you that we are unable to process your request for changing the loan status as Closed instead of Settled in our records as per the Terms and Conditions of the Bank.

We are in the business of offering loans and would be happy to sanction every loan application, however we have a set of evaluation criteria on which all customers are evaluated.

Looking forward to more opportunities to be of service to you.

Sincerely,

Pavitra Janga
Customer Service Manager
ICICI Bank Limited.


In this regards I complaint in CIBIL also but thay reply as follows :

Dear Sir,

We refer to your request to delete certain information from your CIBIL Report.

CIBIL's core business is to collect and maintain information about the credit history of consumers. CIBIL obtains this information from Credit Institutions. This information is collated into credit reports and provided to CIBIL's members and consumers at their request.

Please be advised that CIBIL does not classify any consumer as defaulter.

The Credit Information Companies (Regulation) Act, 2005 mandates all credit information to be reported in your report for a period of 7 years from the date it was reported by your Credit Institution. CIBIL cannot modify any information in the database without confirmation from the relevant Credit Institution. Therefore, we request you to contact the relevant Credit Institution for any deletions to your credit report. Once the member informs CIBIL about the change, we will update our records accordingly.

For further information, we request you to contact the relevant credit institution for further assistance.

For any further information on CIBIL Report, please visit our website:

Kindly quote the above mentioned Service Request Number in your future communication with us.

Thanking you and assuring you of our best services always.

Best Regards,