NAME IN CIBIL
Satyendra
(Querist) 09 April 2011
This query is : Resolved
I GOT A TWO WHEALER LOAN FROM SYNDICATE BANK. AT LAST SOME EMI'S WERE NOT PAID ON TIME AND FINALLY I PAID FULL & FINAL AMOUNT BEFORE MATURITY OF LOAN PERIOD. NOW I APPLIED IN HDFC FOR A PERSONAL LOAN BUT THEY ARE SAYING THAT MY NAME OF APPEARING IN CIBIL IN DEFAULTER'S HENCE THEY CAN'T GIVE ME LOAN. WHAT IS THE RAMEDY TO OMMIT MY NAME FROM CIBIL. NOW THE OLD LOAN A/C. IN SYNDICATE BANK HAS BEEN CLOSED BEFORE ABOUT 1 YEAR. PLS HELP.
MORE OVER IF I SEEKS FOR HOME LOAN AGAINST MORTGUAGE OF PROPERTY THEN THIS PROBLEM WILL OCCURE?
prashant pundhir
(Expert) 09 April 2011
Simple,just take an account statement of your loan a/c no. and also apply for'no dues certificate'. Your statement will show nil,that you deposit to the other bank and mean while get the 'no dues certificate' and you will get rid from defaulter .
Sri Vijayan.A
(Expert) 10 April 2011
Explain your case to HDFC and convince them.
Entries cant be deleted as it is true.
Failure of one/two EMIs is sometimes natural or beyond the capacity or control of the borrower.
But it is clear that you have re-paid all the amounts within the stipulated time.
Give all these points in your representation and get your loan application processed.
malipeddi jaggarao
(Expert) 15 April 2011
If you have paid EMIs properly in your previous loan account except two/three and could close the account well in stipulated time, as Mr.Prashant advised, take a copy of statement and explain to HDFC Bank who can scrutinize the facts and take a decision. CBIL is only a guiding factor.
