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

Concept of CIBIL is a good thing. I appreicate the way it is working.

But I see a slightly change which needs in the process is that CIBIL should also maintain the history of banks on point basis as the data which they got from the different banks (apart from national banks, here I am talking about private banks) are they representing the correct data or not?

Apart from all this which are mentioned my few more persons, these private banks always put more interest rate and services charges and wheny people went in argue mode they simply start threatening them. In the worst case they put their name in CIBIL and made that person paralyzed forever (unless and until settelement done). So its something like authority had given a sword in the hand of a person who dont know how to use that and often misused it.

Also I would like to mention (this happens with me from HDFC bank, Rajouri Garden Branch) then used very un professional and abusive language to the family members and forced them to pay the amount, which is normally more than the actual amount.

I would like to ask did ever the AUTHORITY thinks about this that how to stop these “Tanashahi” of private banks?
Did they ever think that the person and family member who suffered from all this? This is nothing but an harassment!!
Why only bankers have right why not consumer do have right to black list the private banks on the basis of proofs and evidece (which happens with me wherein I am giving more amount than the actual to the HDFC bank) ?
Why not consumer get the reloan in future when he setteled the account?

Above stated statements are few questions over which we must think!!!

Regards,
Sudhir

Hence, one should get their report every half year so that they can updates on various things which are against him. All credit card holders should also be aware of the things which are shown against his name.

Gr8 initiative we should get along and share with all like minded people..

Regards,

JOGA RAO

The subject described and solution provided Salian holds good. Banks are practising the lending practise unethically. They are targeting for people who will default in the near future to be the potential customer. Since the profit earnings on such customer is higher than the customer who will pay regularly.

As mentioned , you can control the country by controlling its credit, everybody will fall in line because of CIBIL, its there ultimate goal. Major stock holders of CIBIL are SBI, and major banks.

And it is clearly evident that CIBIL does not comply with the RTI act of India, there workings, mode of operation are kept secretive.

Its left to the law makers to enforce and enact on transparency of these institutions. And for the mistakes and crimes committed by the bank are left unaccounted since Indian people 99% don’t file the case against the injustice caused to them.

but advantage of CIBIL it can stop major financial crisis due to mass default and give key metrics to the banks, but require legislation to make them responsible for the actions and accountability of incorrect information entered.

Thanks

Regards
Binay Thakuri