C i b i l
Rakesh
(Querist) 30 March 2017
This query is : Resolved
Respected Sir,
I was offered OD Facility by H...Bank during 2006 and due to non maintain of min.qty balance , stopped in 2008 and asked to deposit amt in two installment in 2008 and I collected no dues pending letter from A.M-Debt Management ( Consumer Credit Risk ).
After two year in March 2010 & then Dec'2012 recd letter to pay Rs.21957.94 and i called concern dept and replied I have no due pending letter , talked to both time.
Now recently while applying for my sons High Edu.Loan to Non Banking Fin.Co (NBFC)and one nationalise bank i found CIBIL Score is low and stuk.
Now I want to put claim on BANK or Govt.Dept CIBIL to put my name with out proper check up like issue of no Due Letter.
I want to sue them for heavy loss of prestige and also reputation and also to teach a lesson when person like V__y Ma__a and others flew away and person like me suffering.
Can any Lawyer ready to co-op me for sue both Bank and CIBIL.
rajeev sharma
(Expert) 31 March 2017
Bank may not claim any amount after issuing no dues certificate bank may not demand any dues . It is certainly a deficiency in service and you may claim damages from bank . File an application before Consumer Forum
Kumar Doab
(Expert) 31 March 2017
Keep the declination from NBFC safely.
Civil Suit, Consumer Complaint are the options.
Discuss with local counsel specializing in such/civil/consumer such matters.
Rajendra K Goyal
(Expert) 01 April 2017
You can download CIBIL report after payment of their charges.
Send notice to concerned Bank, discuss with lawyer to file claim.
Kumar Doab
(Expert) 01 April 2017
The other routes are to get credit report (with name of member bank that has sent the report) from Bank against Rs.50/ as per RBI guidelines or pursue RTI route.
Rakesh
(Querist) 02 April 2017
Thank you all for Good & best advise.
Any of you ready to take over the matter then I will be interested to meet you.
Thank you once again..
Rakesh
(Querist) 02 April 2017
its still not clear which step will benefit first , civil , consumer or direct H.C.
Some one must help us so that such nonsense should be prevented further and many are still facing due to Credit Card small ignorance even for argument of Late payment or Interest etc., they are really suffering like me.
Kumar Doab
(Expert) 02 April 2017
Discuss with local counsel specializing in such/civil/consumer such matters.
In some cases (on the strength of compelling merits) customers have relieved with exemplary costs and awards.
Rakesh
(Querist) 05 April 2017
Thanks Kumarji,Rajendraji & Rajeev ji
Kumar Doab
(Expert) 06 April 2017
You are welcome.
There are decisions imposing huge financial penalty.
Your own counsel specializing in consumer/banking matters can update you on merits in your case.
