I have been unable to get a car loan sanction from the Sate Bank of India (SBI) because of credit report in CIBIL database which showed problems in the year 2003-04.As reported to me by SBI, three sundry loans are overdue on my name. I enclosed to CIBIL, e-mails from customer care of HSBC.CITI, ICICI & ABN AMRO banks of which I used to hold credit cards. While the former three have denied any credit report sent to CIBIL against my name, ABN AMRO has requested to CIBIL for deletion of my name. CIBIL is asking for nine digit control number and expressing inability to provide me with my credit report. To the best of my knowledge, I did not hold any other card. How do I get out of this problem?

I received a letter from HSBC for a pre-approved personal loan of Rs 1, 13, 000 (Ref. No. PA2CD0907045922) I applied for a personal loan with HSBC. The legal documents (Demand Promissory Note, Agreement & 5 PDCs) were collected. I also had to pay Rs 350 to Citibank for the bank statement, sign verification & ECS charges. I called up the HSBC on 28/11/2007, the executive informed me that the personal loan application had been rejected. The Bank is not ready to disclose the reason. The Bank is also not ready to send me the legal documents back. What do I do now?

I applied for a personal loan with HSBC. The loan for an amount of Rs 3, 00, 000 was approved on 21.11.2006. The legal documents (Demand Promissory Note, Agreement & 5 PDCs) were collected. Also, I had to pay for the bank statement, sign verification & ECS charges. I called up the HSBC on 23.11.2006 the executive informed me that the personal loan has been rejected. If the bank had to reject my application, why did the bank approve it at the first place? The bank is not ready to disclose the reason. Also, the bank is not ready to send me the legal documents back. Kindly help me in this matter.