Hi I explained my issue here….could you please help me?
I got a personal Loan from Fullerton India by July 2010 and it got deducted from my bank account till march 2011. My company
changed my salry account to HDFC Bank. The old account will be active for only three months. I paid the amount through cash
to Fullerton without fail. After 3 months they told me your ECS payments is bouncing in your old account and you have to pay
fine. I shouted at them and paid the fine for 4 moonths. They told to cancel the ECS payment in the old bank account and
transfer to HDFC or you can pay the amount by cash before 5th of every month. I told them that I will pay by 4th of every
month and I did without fail till now without cash.
My questions are as follows
1. FOr the three months which are bounced in my account whether the CIBIL score will be less
2. They haven’t told anything about this and they only get the payments from me. what can I do?
Second Scenario:
By Jan 2012 HDFC bank DSA contacted me and told me that we are offering PL and to give me the proof. I am not in need of
money and they forced me that it is an offer for corporates and you can avail. I gave the documents and no one contacted.
within 2 months another DSA contacted and they told me that they will arrange and I gave the documents. Then they told that I
has to get a letter from HR and I told that they will not give me and left it. On Nov 2012, another DSA contacted and told
that they will arrange and got all the documents. I told them that my post paid is not with the current address and I need to
change it. THey told that they has to submit the file within three days and they will take care. They also dint reply. When I
applied for home loan along with my brother. They told me that I have changed the address in Post paid bill and submitted the
documents on November 2012. I dint do that and I have all the proof for my home. They told that my name was black listed
inside HDFC. I was shocked. My questions are as below:
1. Whether my name will be entered in CIBIL as that I changed the bill? I contacted my branch and they sent an email that
they will not enter this in CIBIL and the records will be kept internally? Is that true?
2. I applied for home loan with my brother in India bulls and they are telling me that it has been entered in CIBIL
3. I contacted the DSA number and it is switched off and no one exist? TO whom do I complain.
4. Also I heard that I wont get any job if it is listed in CIBIL? Is that true?
5. ALso I planned for a home loan after two years and How it will affect me?
6. What are the ways to get everything in a perfect manner?
I promise that I dint do any malpractice and I only got Loan from Fullertron and It is going to over by this april and paying
all the dues perfectly. I am having proof for all the bills
Please Please Please Please anyone help me…….