ManjunathH (Salaried) 09 March 2018

Credit card outstanding on a credit card that i never used / never had.

Dear Members / Experts,

I recently applied for a personal load which was rejected by Tata Capital. And the reason I was told, that my credi score as per CIBIL is 614. This left me shocked.

When I went online to check my score, I am now being informed that I am wilful defaulter of a credit card (which I never requested for and never reicveid and never used, from Indus Ind Bank) with a balance of 5L of rupees :( . And this card is from Indus Ind Bank.

I never had any relation whatsoever with this bank, never requested for any credit card, never received any credit card and never used one.

Not sure how this bank has listed as a wilful defaulter.

What is the legal way / process to address this? Please provide guidance - thanks in advance.

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4 Replies

R.Ramachandran (Advocate) 09 March 2018

Before thinking about legal way, better first approach the bank and discuss with them the problem and ascertain from them what is the exact position. Then only the question of taking any legal action, if at all, would arise.

ManjunathH (Salaried) 09 March 2018

Thank you for guidance. I have sent nodal officer of the bank an email requesting their intervention and assisance on this matter.

Anything else I must do at this time? Do I have to inititae any legal proceedings as well? I ask this query because with this negligence from the bank, my CIBIL rating is affected :(

KISHAN DUTT KALASKAR (Advocate) 14 March 2018

Dear Sir/Madam,

Since your case is complicated case as such I require documents and same may be send to my email for detailed legal advise.

With regards,

Kishan Dutt Kalaskar

ManjunathH (Salaried) 14 March 2018

hi Sir,

Thank you for your response. On this subject, i had written to Indus Ind bank and even recived a response from them. I have forwarded that copy to you on an email. Kindly check and share your expert guidance.