Getting CIBIL cleared
Puneet
(Querist) 26 April 2010
This query is : Resolved
Hi Team,
Firstly, I would like to thank all the experts for taking out time & sharing the facts with people like us, who are completly cueless about such legal actions.
Here's my Query:
I had few credit cards (5-6) approx 3-4yrs back & I ended by settling all the cards (as my financial condition was not that strong, I have all settlement & No due certifictaes) however post that I have not been able to take any loans or cards.
At present by god's grace I have a good job & a good salary & a zero EMI on my name, however still if I apply for a card/loan I get a reply that my credit history is bad/negative
I've also sent the details to cibil, for sharing my credit report (its been 2-3weeks) I haven't received any response
Need the experts suggestions as how can i get this rectified?
Thank you!
regards,
Puneet
Raj Kumar Makkad
(Expert) 26 April 2010
Your history is not bad so you have got a legal right to get its clearance. I suggest you to serve a legal notice to the bank claiming your history as bad and demand to prove the contents of their contention otherwise threaten to initiate defamation proceeding against the erring officials of the banks.
Puneet
(Querist) 26 April 2010
Thanks for a quick response Raj, I agree to what you say but this what need & I don't know the right people/channel to get this sorted out:
1) Need my cibil report? ( which I know is very time consuming activity & at times one even does not get any reponse)
2)Any legal firm, which can help me in gettig this done?
Please suggest
Raj Kumar Makkad
(Expert) 26 April 2010
You shall have to engage a local civil lawyer who shall do all these things for you once you hire his services.
