Wrong information in cibil
Saumitra Chaturvedi
(Querist) 19 February 2013
This query is : Resolved
Hi Experts,
I had applied for car loan in SBI which got rejected. The reason given was that in my CIBIL record, against my home loan it was mentioned as bad debt and was written off.
Now i have been paying my home loan, which is from Punjab National Bank, EMI regularly for last 4 years with twice part pre-payments. The last EMI being deducted 4 days back.
I talked to concerned PNB officer and they said the best they can do is provide me with my payment statement and mention it that i have been regular in payment of EMI.
The car loan official say that it might not be enough and this would effect my capability to take loan from elsewhere as well.
Please let me know where i can take my grievance regarding this and what action can be taken by me.
Regards
Saumitra
ajay sethi
(Expert) 19 February 2013
PNB has to clarify the issue . write to CIBIL that you have regularly paid loan and are not a defaulter . only on basis of intimation received from PNB will CIBIL update its records
