Hi,
I have recently applied for SBI home loan,I was surprised to hear that there was SC credit card settlement in 2007.
Loan processing officer asked me to provide the NOC for SC Credit card settlement during 2007. During 2006 timeframe I had stopped using this CC and asked the customer care to close the account. Looks like they did not close the account, approached my contact number after 5 to 6 months later for the payment. At that time I was in abroad and my brother has paid the outstanding amount and closed the credit card. SCB cust care confirmed that outstanding amount is zero.
As it was not ‘settled’ case, they have not sent the NOC for that. But now in Cibil report it has been mentioned as written-off status as “settled”.
I had applied for Cibil report and found that score 803, but with the negative remark as “settled”. As loan processing requires NOC from SCB, I have been requesting since 3 weeks. Even approached nodal officer, but somehow they are saying it is in progress and not provided the NOC till date.
My queries are as below:
1> Struggling to get NOC from SCB. How can I get it ASAP? Please suggest.
2> If they are delaying further, Shall I take legal action against SCB for NOC and also on the settled remark?
3> What are the alternative ways to get the loans, in case if SBI home loan is rejected.
4> Any other suggestions for the current situation is much appreciated >>
Kindly advice!!
Looking forward to your response !!
Thanks and Regards,
Prasad