I had applied for a car loan in the month of October (2007) from HDFC Bank and it was approved. But, at that time, the HDFC Bank executive told me that my name shows in the defaulter’s list as Richa. One of my cousins has the same name.
When I applied for a personal loan from Barclays Bank, they rejected it, stating the same reason. I am sure my cousin never took the loan or ever used any kind of proof from my end of such a thing. What do I do?
September 15th, 2008 at 9:06 pm
Contact on the numbers provided on the website given below. Verify your details with them and check if your name reflects there. If yes, get the exact details. If you get to know that your name is not reflecting in the database then you can go to the bank and let them know.
http://www.cibil.com/contactus.htm
November 18th, 2008 at 8:01 pm
Curently with the current market condition before you buy a new car also look at the option of second hand cars since their markets have dipped dramatically.
November 19th, 2008 at 5:00 pm
If your personal loan application got rejected you are well with the rights ask your credit report. After getting the report you would get the good idea what is the actual problem. Then you can steps appropriately.
November 19th, 2008 at 5:08 pm
If for no reason your name has been listed at th credit bureau as a defaulter .Kindly don’t wait longer and make a complain on the banking website and banks does not resposes you then you should approach Banking Ombudsman.
November 19th, 2008 at 7:37 pm
Try and explain this issue to your bank… but since ur name is in CIBIL u r going to have a tough time…..
December 18th, 2008 at 2:57 pm
Please log in a complain to banking ombudsman about the issue. They will look in to the same.