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	<title>ApnaPaisa - Financial Planning, Investment, Insurance, Loans, Credit Cards, Banking &#187; Grievances</title>
	<atom:link href="http://www.apnapaisa.com/category/grievances/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.apnapaisa.com</link>
	<description>Get Smart</description>
	<pubDate>Mon, 22 Dec 2008 12:01:27 +0000</pubDate>
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			<item>
		<title>Large debt, no savings&#8230;Should I try for a home loan?</title>
		<link>http://www.apnapaisa.com/2008/12/06/large-debt-no-savingsshould-i-try-for-a-home-loan/</link>
		<comments>http://www.apnapaisa.com/2008/12/06/large-debt-no-savingsshould-i-try-for-a-home-loan/#comments</comments>
		<pubDate>Sat, 06 Dec 2008 11:49:28 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[credit card dues]]></category>

		<category><![CDATA[credit card expenses]]></category>

		<category><![CDATA[Debt]]></category>

		<category><![CDATA[debt repayment]]></category>

		<category><![CDATA[housing loan]]></category>

		<category><![CDATA[personal loan outstanding amount]]></category>

		<category><![CDATA[savings]]></category>

		<category><![CDATA[take home pay]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1123</guid>
		<description><![CDATA[We both earn and our collective take-home is Rs. 60, 000. We have credit card dues of Rs. 51, 000 and a personal loan with ICICI of about Rs. 2.93 lakh. There are no savings at the end of each month. We would like to close the debts and go in for housing loan to [...]]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/06/large-debt-no-savingsshould-i-try-for-a-home-loan/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Getting off the CIBIL list</title>
		<link>http://www.apnapaisa.com/2008/12/04/getting-off-the-cibil-list/</link>
		<comments>http://www.apnapaisa.com/2008/12/04/getting-off-the-cibil-list/#comments</comments>
		<pubDate>Thu, 04 Dec 2008 11:43:21 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[bank]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[credit card outstanding]]></category>

		<category><![CDATA[credit card provider]]></category>

		<category><![CDATA[Satyam defaulter list]]></category>

		<category><![CDATA[zero balance statement]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1119</guid>
		<description><![CDATA[I had an outstanding due to my credit card provider. After repayment i got a zero balance statement from the bank.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/04/getting-off-the-cibil-list/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Personal loan or home loan??</title>
		<link>http://www.apnapaisa.com/2008/12/04/personal-loan-or-home-loan/</link>
		<comments>http://www.apnapaisa.com/2008/12/04/personal-loan-or-home-loan/#comments</comments>
		<pubDate>Thu, 04 Dec 2008 11:35:35 +0000</pubDate>
		<dc:creator>Name Withheld</dc:creator>
		
		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[home loan issues]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home ownership]]></category>

		<category><![CDATA[NRI]]></category>

		<category><![CDATA[Personal Loan]]></category>

		<category><![CDATA[property purchase by NRIs]]></category>

		<category><![CDATA[tax implications]]></category>

		<category><![CDATA[taxes levied on NRIs]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1115</guid>
		<description><![CDATA[I am looking for investment and own home in Pune. I would like to know my best loan option. Should I go for a personal loan of AED 2 lakh with a 6-year tenure or a home loan in India with 10-20 years tenure?]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/04/personal-loan-or-home-loan/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Should I take the home loan insurance?</title>
		<link>http://www.apnapaisa.com/2008/11/21/should-i-take-the-home-loan-insurance/</link>
		<comments>http://www.apnapaisa.com/2008/11/21/should-i-take-the-home-loan-insurance/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 08:39:16 +0000</pubDate>
		<dc:creator>Fiza Khan</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Householders' insurance]]></category>

		<category><![CDATA[Insurance]]></category>

		<category><![CDATA[Life Insurance]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan applicant]]></category>

		<category><![CDATA[ICICI Home Finance]]></category>

		<category><![CDATA[icici home loan]]></category>

		<category><![CDATA[ICICI Prudential Life Insurance]]></category>

		<category><![CDATA[insurance company]]></category>

		<category><![CDATA[insurer]]></category>

		<category><![CDATA[property insurance]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1003</guid>
		<description><![CDATA[I have taken a loan of Rs 20 lakh from ICICI home finance. I want to insure my property and my life.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/21/should-i-take-the-home-loan-insurance/feed/</wfw:commentRss>
		</item>
		<item>
		<title>In EMIs, why is the principal less than the interest paid?</title>
		<link>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/</link>
		<comments>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 08:03:36 +0000</pubDate>
		<dc:creator>Raima Bhula</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[equated monthly installments]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[ICICI bank]]></category>

		<category><![CDATA[interest rates]]></category>

		<category><![CDATA[principal]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=993</guid>
		<description><![CDATA[I had taken a home loan from ICICI Bank in December 2007 at the rate of 9.25%, for 228 months. In April 2008, interest rate changed to 10.75% which again changed to 11.75% in May 2008.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/feed/</wfw:commentRss>
		</item>
		<item>
		<title>You don&#8217;t have to avoid recovery agents</title>
		<link>http://www.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/</link>
		<comments>http://www.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/#comments</comments>
		<pubDate>Wed, 05 Nov 2008 14:17:59 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[banking ombudsman]]></category>

		<category><![CDATA[Code of Bank's Commitment to Customers]]></category>

		<category><![CDATA[debt collection]]></category>

		<category><![CDATA[debt recovery]]></category>

		<category><![CDATA[debtor]]></category>

		<category><![CDATA[defaulter]]></category>

		<category><![CDATA[RBI guidelines]]></category>

		<category><![CDATA[recovery agents]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=559</guid>
		<description><![CDATA[If a recovery agent knocks at your door you don't have to hide in your house or avoid them by asking one of your family members to speak to them. They cannot harm you or force you to pay the outstanding at all. ]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/05/you-dont-have-to-avoid-recovery-agents/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Pay dues first</title>
		<link>http://www.apnapaisa.com/2008/10/31/pay-dues-first/</link>
		<comments>http://www.apnapaisa.com/2008/10/31/pay-dues-first/#comments</comments>
		<pubDate>Fri, 31 Oct 2008 09:47:29 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[accruing interest]]></category>

		<category><![CDATA[banking ombudsman]]></category>

		<category><![CDATA[credit card default]]></category>

		<category><![CDATA[credit card outstanding]]></category>

		<category><![CDATA[credit card rejection]]></category>

		<category><![CDATA[defaulters' list]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=718</guid>
		<description><![CDATA[Another familiar gripe – A little outstanding amount remaining on the credit card because of bank’s mistake, bank promises to waive off the amount and close the account.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/31/pay-dues-first/feed/</wfw:commentRss>
		</item>
		<item>
		<title>It’s easy for a bank to change interest rates on your home loan</title>
		<link>http://www.apnapaisa.com/2008/10/24/it%e2%80%99s-easy-for-a-bank-to-change-interest-rates-on-your-home-loan/</link>
		<comments>http://www.apnapaisa.com/2008/10/24/it%e2%80%99s-easy-for-a-bank-to-change-interest-rates-on-your-home-loan/#comments</comments>
		<pubDate>Fri, 24 Oct 2008 15:35:37 +0000</pubDate>
		<dc:creator>Pooja Gawde</dc:creator>
		
		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[agreement terminology]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[equated monthly installments]]></category>

		<category><![CDATA[fixed interest rates]]></category>

		<category><![CDATA[floating interest rates]]></category>

		<category><![CDATA[Floating Reference Rate]]></category>

		<category><![CDATA[FRR]]></category>

		<category><![CDATA[Loan interest rates]]></category>

		<category><![CDATA[Money Market Conditions]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=607</guid>
		<description><![CDATA[In case of floating interest rates, take rate change for granted. I read a clause in a home loan agreement of one of India's largest private sector bank. The clause is that this rate of interest is linked to what is known as its Floating Reference Rate (FRR).]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/24/it%e2%80%99s-easy-for-a-bank-to-change-interest-rates-on-your-home-loan/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Paid outstanding. Name still on CIBIL defaulters&#8217; list</title>
		<link>http://www.apnapaisa.com/2008/10/22/paid-outstanding-name-still-on-cibil-defaulters-list/</link>
		<comments>http://www.apnapaisa.com/2008/10/22/paid-outstanding-name-still-on-cibil-defaulters-list/#comments</comments>
		<pubDate>Wed, 22 Oct 2008 09:42:13 +0000</pubDate>
		<dc:creator>Greha Mataliya</dc:creator>
		
		<category><![CDATA[Credit Card]]></category>

		<category><![CDATA[Credit Card Issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[CIBIL]]></category>

		<category><![CDATA[credibility]]></category>

		<category><![CDATA[credit bureau]]></category>

		<category><![CDATA[credit card defaulter]]></category>

		<category><![CDATA[credit card outstanding]]></category>

		<category><![CDATA[credit card settlement]]></category>

		<category><![CDATA[credit cards]]></category>

		<category><![CDATA[credit record]]></category>

		<category><![CDATA[credit report]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[loan application]]></category>

		<category><![CDATA[secured credit card]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=714</guid>
		<description><![CDATA[Do not be surprised if your loan application is rejected even after you have paid off your much due credit card outstanding balance. The bank might have called you and given you an option where you could just pay a specified sum, in return for a settlement letter. ]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/22/paid-outstanding-name-still-on-cibil-defaulters-list/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Wake Up, O Regulator!</title>
		<link>http://www.apnapaisa.com/2008/10/22/wake-up-o-regulator/</link>
		<comments>http://www.apnapaisa.com/2008/10/22/wake-up-o-regulator/#comments</comments>
		<pubDate>Wed, 22 Oct 2008 08:57:58 +0000</pubDate>
		<dc:creator>Basha Shaikh</dc:creator>
		
		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Investment]]></category>

		<category><![CDATA[Mutual Fund]]></category>

		<category><![CDATA[investors]]></category>

		<category><![CDATA[mutual funds]]></category>

		<category><![CDATA[trail fees]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=546</guid>
		<description><![CDATA[“In a bid to boost their profitability, several MF houses are now charging trail fees (even for direct investors) under the other expenses head, disguising it with names like miscellaneous marketing expenses or other operating charges,” says a financial planner, who is empanelled with several fund houses.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/22/wake-up-o-regulator/feed/</wfw:commentRss>
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