Hi,
I have taken a consumer durable loan from tata capital in year 2012 and pre-paid it in 2013 but even after prepayment they presented cheque to bank. since i have prepaid loan amount equivalent to cheque amount was not available in bank account and cheque get bounced because of that bank charged me ecs return charge of INR 450 and tata capital also charged 450 as ecs return charge and i was not informed about that tata capital charged me any amount.
That’s why i was not aware of that they defaulted me for more than one year some days back i checked my cibil and i found that, it also impacted my cibil now my score is 600. now i paid that amount to tata capital. In all this there was not my mistake. kindly suggest me how can i rectify my cibil i had lots of time called on tata capital customer care but no resolution.