manish sir,
i red your article which you sent to our mail. i enclosed letter which
we sent to cibil.
please answer me after reading our cibil letter.
we agree we are defaulter when we not pay minimum due within due date.
If minimum due is not as per norms or agreement ? their minimum due
was 85% of total outstanding.
they completed investigation on 16 feb and informed us on 17 feb to
pay of minimum due before 22 feb. (154000) how it is possible by a
comman man ?
on 23 feb they sent my name as defaulter.
when minimum due is not as per norms, how i become defaulter ?
what are mistakes done at their end pls follow the letter.
may i question it before high court dharwad ?
and bank ombudsman bangalore called us for settlement with sbi card in
next week.
PLEASE GUIDE ME HOW TO SETTLE WITH THEM AND WHAT EXACT TERM WE SHOULD
USE BEFORE THEM TO REMOVAL OF MY NAME AS DEFAULTER FROM CIBIL ?
PLEASE NOTE THAT I HAVE TAKEN HOME, CAR, HOME PLUS LOAN FROM SBI BANK
IN 2006. AND WE ARE NOT SINGLE MONTH DEFAULTER.
manishji please reply
WAITNG YOUR REPLY
SUNITA GURURAJ KULKARNI
DHARWAD KARNATKA.
REGISTERED A/D
Consumer Relations – Disclosure Request,
Credit Information Bureau (India) Limited, Hoechst House, 6th Floor, 193,
Backbay Reclamation, Nariman Point, Mumbai 400 021.
Dear sir
I am sunita g kulkarni, Indian citizen resident of Dharawd Karnataka india , SIR TODAY WE HAVE RECEIVED LETTER FROM SBI CREDIT CARD CO STATED THAT THIS MONTHS OUR CREDIT HISTORY SENT TO CIBIL. So I will bring few points before your kind consideration.
In 2006 sbi credit card co came to our home and issued credit card on basis of our payments. We accepted the card and made transactions and made payments regularly and promptly. Sbi credit card main drawback is not sending monthly bills regularly. Ours billing date is 2nd of every month and on 3rd of every month we ringed to call centre gurgaon and asking our monthly minimum due and total outstanding, and same amount cheque was sent through drop in box, while asking our due on 3rd of every month we complained regarding non receipt of monthly bills. But they never sent bills regularly. In 84 months we received only 15-20 bills, but we are regular in monthly payments. SEE OUR TRACK
In last aug 11 we made transactions and made payments, on sept 3rd we asked our minimum due and total outstanding, they gave information, but given information was wrong, THEY TOLD WE HAVE RECEIVED EXCESS CREDIT FROM YOU. We surprised, and told them that there is discrepancy in account or in generating the bill, but they told no your account is going on smooth. But we sent mails to all higher officers but received auto generated replies. Not received any calls from them. But we sent mails from sept 11 to dec stated that please check discrepancy in our account and set right. But no body shows any interest to check discrepancy of our account, and EVERY MONTH THEY TOLD YOUR ACCOUNT IS CORRECT. due to their negligence we had no bill in our hand to tell them what is the discrepancy.
But all of sudden on 21st jan 12 received call from gurgaon office told that DUE TO SBI CREDIT CARD MISTAKE WE HAVE GIVEN YOU DOUBLE CREDIT FROM JAN 11 TO JAN 12. TOTAL AMOUNT IS 165500/- WE ARE SORRY AND PLEASE PAY OFF BEFORE 22 FEB 2012. SAME CONSENT LETTER ALSO WE RECEIVED. AND PAY IN 12 INSTALLMENT.
We objected this through our mails, after various discussions with call centre managers and through various mails WE TRIED TO CONTACT THEM. BUT ONLY AUTO GENRATED REPLY WE ARE RECEIVING.
ADMITTEDLY AS PER THERE LETTER, IT IS THE MISTAKE OF SBI CREDIT CARD COMPANY, INSPITE OF OUR REAPETED & SEVERAL REQUEST, DID NOT SUPPLY MATIRIALS REGARDING UTILISATION OF OUR ACCOUNT, IF THEY HAD INFORMED US IN WELL IN ADVANCE, WE COULD HAVE CONTROLLED OR STOPS OUR SPENDING PATTERN. BUT THEIR THEORY SINCE TO BE ENTICING THE CUSTOMER BY DOUBLING THEIR CREDIT LIMIT & MAKING THEM SPEND MORE BEYOND THEIR CAPACITY & THERE AFTER THEY CHEAT THE CUSTOMER BY FORCING THEM TO PAY BIG SUM AMOUNT BY ADDING ILLIGAL EXPENSES, & MANY MORE CHARGES WITHOUT OUR CONSENT. AND WITHOUT INTIMATION BLOCKED OUR CARD. THIS IS HIGHLY OBJECTIONABLE OF GOOD BANKER AMOUNTING TO DEFICIENCY OF SERVICE.
I WILL EXPLAIN YOU HOW BILLING THEY ARE DONE (EXAMPLE)
|
DATE |
OPENING BAL |
PURCHASES & OTHERS |
PAYMENT RECEIVED |
TOTAL OUTSTANDING |
MINIMUM DUE AS PER RBI AND AGREEMENT ITS 5% |
|
2/11/2011 |
1006=65 |
054032=57 |
048500=00 |
006539=62 |
000325=33 |
|
2/12/2011 |
6539=62 |
080027=60 |
085400=00 |
001167=22 |
000200=00 |
|
2/01/2012 |
1167=22 |
117326=47 |
119000=00 |
000000=00 |
000000=00 |
|
2/O2/2012 |
0506=31CR |
273573=17 |
108000=00 |
165066=86 |
136119=65 |
|
2/03/2012 |
165066=86 |
009308=49 |
000000=00 |
174375=35 |
154939=05 |
SIR IN FEB AND MARCH 2012 AS PER AGREEMENT AND RBI RULES AND AS PER PREVIOUS STATEMENTS, IN LAST TWO BILLS THAT IS 2/2/12 & 2/3/12 THEY HAVE NOT SHOWN THE MINIMUM DUE AMOUNT AT THE RATE 5% OF TOTAL OUTSTANDING AMOUNT WHICH COMES TO Rs 8254/- AND Rs 8719/- RESPECTIVELY. BUT THEIR MINIMUM DUE IS AS SAID ABOVE. SO NO REPLY FROM THEM IN THIS REGARD. WE SENT MAILS TO SET RIGHT PRESENT STATUS OF THE STATEMENT, AND WE ARE READY TO DISCUSS WITH YOU IN PERSON AND SETTLE ON ONE TIME BASE
WE SENT OUR BROTHER TO GURGAON FOR DISCUSSION AND SETTLING ON ONE TIME BASE WITH DIVYA DHODY VICE PRESIDENT CUSTOMER SERVICE, BUT THEY NOT ALLOWED HIM TO MEET VP. HE CAME BACK
SO THESE ARE THE THINGS HAPPENED. AS PER THEIR LETTER, THEY SENT LAST MONTH CREDIT HISTORY AND AS DEFAULTER TO YOU AS PER THEIR WISH.
SO WE ARE REQUESTING YOU NOT TO CONSIDER AS DEFAULTER. SINCE THEIR MINIMUM DUE IS NOT AS PER NORMS.
SIR CASE HAS ALREADY REFFERED TO OMBUDSMAN BANGALORE, SECRETARY FINANCE DEPARTMENT, PUBLIC GRAVENCES CONSUMER AFFAIRS DEPT NEW DELHI, STATE BANK OF INDIA CHAIRMAN AND DGM MUMBAI,
SIR WE ARE NOT THE DEFAULTERS AT THIS STAGE, WE ARE READY TO PAY WITH MEDIATION OF STATUTRY ORGANISATION WITH CONDITION THAT RECEIPT OF AMOUNT, NO DUE CERTIFICATE AND CREDIT CARD CLOSER. BECAUSE NO TRUST ON COMPANY DUE TO THEIR BAD SERVICES AND FINANCIAL INDICIPLANE IN ACOOUNT.
MY REQUEST IS
IF SBI CREDIT & PAYMENTS PVT LTD SENDS MY CARD NO 4317575036420850 IS AS DEFAULTER TO YOU, PLEASE CONSIDER ABOVE POINTS WITH PRIORITY. AND SEE TRACK RECORD OF CREDIT CARD PAYMENTS SINCE 7 YEARS. DON’T INCLUDE MY NAME IN DEFAULTER LIST BLINDLY. PLEASE TAKE NECESSARY STEPS AND CLARIFICATIONS FROM COMPANY. THIS IS OUR KIND REQUEST. OTERWISE WE TAKE LEGAL PROCEDURE ON YOU AND COMPANY. WE ARE WAITNG YOUR POSITIVE REPLY.
NECESSSARY COPIES ENCLOSED FOR YOUR REFERENCE.
YOURS TRULY
SUNITA GURURAJ KULKARNI
GURURAJ S KULKARNI
NO 12, DESAI APPARTMENT, NEAR MAHALAXMI TEMPLE, NARAYANPUR
DHARWAD KARNATAKA INDIA 580008
9342304263/9448150341
gkulkarni781@gmail.com
CC TO HONERABLE SECRETRY, FINANCE NEW DELHI, OMBUDSMAN BANGALORE, PUBLIC GREVENSES CONSUMER AFFAIRS DEPT NEW DELHI, CHAIRMAN & DGM STATEBANKOF INDIA CORPORATE OFFICE MUMBAI.