The basic reason to come to this forum is to understand, whether there is any way out to deal with this situation, some one probably from hsbc or their agent visited our office during 2003-04.
While exchanging cards we came to know that he offers credit card. We denied. But to our surprise there comes the credit card after one month. No request has been given to issue credit card, it has never been used, no document provided except exchange of visiting card to the visiting person to office probably from hsbc.
After one year they started sending bills for outstanding and levying all sort of charges. and there after they have reported same to cibil. Funniest part is cibil has entered the case based on only bank’s intimation without even verifying credentials that the instrument has never been requested for, nor used, but as of now from 2005 an individual’s credit limit stands spoiled. My daughter expects admission to iim and I need education loan, which I can’t avail.
Who can be held responsible for spoiling her carrier, Where to go?? Whom to contact ??? All sort of systems are being created but there is no redressed available. Someone pl helps?? For last more than 07-08 years this has been an spoiled credit score record which became known when I applied for an auto loan in 2009.