i need your contact number

Interestingly i had personal loans as well, which i paid all the EMI’s without fail.

I had severe credit cards issues and settled all of them now. Unfortunately i don’t have all of the settlement letter and the credit card number or account number either. I’m planning to take a Home Loan now, will that be a problem.

I know banks never update CIBIL after settlement, they are always behind the money. Once they receive the settlement money, they simply ignore to update CIBIL. So assuming banks didn’t update CIBIL after settlement and the Individual doesn’t have settlement letter, what will be that individual’s situation?

Kindly advice.

Thanks,
Venkatesh

Even yesterday I was having discussion with my CFO & was working ways to take them legally. The thing is CIBIL is a facilitating agency which manages the data given by banks. But the irony is they don’t have a syste / structure to manage grievances. Every time when we reach them they give us a track of the complaint and keep telling that they have informed the bank and they say the bank will get back to us on the same. They are not revealing the name of the bank too…

There must be some commitment on the part of CIBIL to accept our grievance processing when there is no response from the Bank… Yep we have to take them legally but that goes in vein because of our lack of will… When we get our issue solved we dont stick to the issue citing time & other reasons…

If we are committed on taking them legally i can link my CFO inside and we can make a combined effort…

Regards,
Anand

One more source of Bank earning is CIBIL, I visit many forums and found lot of people are facing the same issue, I think we need to file a case against them.

My CFO is facing a similar problem like yours. CIBIL has lots of technological issues and lots of Credit Card & PL dues are reported on people who have a clear track record. One issue with CIBIL is they never disclose the name of the Bank who have posted such wrong data. Without knowing the Bank we can’t take them to courts.

Also CIBIL is slow in making decisions and I’m not sure how to take on CIBIL… Kindly keep sharing your experience so that it will be helpful for other readers to know how you have solved or I my CFO solves it. I’ll keep you posted…

Regards,
Anand

I Ravinder Kumar Budhiraja and my DOB is 09-10-1981 . I have never take credit card from any bank but when apply a loan from bank bank told me that ur name is in CIBIL .and your a/m is 96270 is pending . But I know that I have never ever receive credit card from any bank .So kindly please let me know that how to know the name of the bank it is and to whome should i contact for ..? I have contacted the CIBIl by sending them lots of Email but I don’t think so that they people are in the mood for giving me any support, they just asking me the money and when I raised the issue at Consumer Court http://www.consumercourt.in/personal-loan/12006-defaulter-list-cibil.html they just told that I have a strong reason to drag the Bank to the Consumer Forum .If any one have any idea or faced such issue in past or facing such issue please contact me I need some help in Removing my name from defaulter list and form a group to fight against such agency who are forcefully taking our hard earned money.

Regards
Ravinder

May i know your email id, i am in such a kind of situation and not aware of how to approach how and where to approach…
i shall contact you personally through email..

Raman