I hve taken Personal Loan of Rs. 1.79 Lakhs. on May 2007 & Perclosed on June 2008 on OS amt of Rs. 1.10 Lakhs with Minimum due of Rs. 1.07 Lakhs (Preclosere Loan principal amount). Afterwords they chareged me Interest of Rs. 5, 715.48 Plus Service Tax. on outstanding Balance of Rs. 3557.13. Several times by mail by phone I asked them the clarification for the same but I have not received any proper calculations for the amt charged. Afterwords I paid an amount of Rs. 3650.00 which was due as per preclosure statement. And for disputed amount I had not made the payment. ICICI Bank continiously charging me interest, Late payment fee plus Service tax on Outstanding amount which not accepted (Interest has to charged on outstanding amount). Then I have got call from ICICI Bank towards make the payment of Rs. 1212.00 towards full payment against Outstanding amount of Rs. 9834.01. And ICICI told me it is a final payment. I made the payment as per the instruction from ICICI Bank ltd. on 17.11.2008. Afterwords ICICI given me statement showing outstanding balance of Rs. 8733.23 and delared me defaulter in CBIL on Dec 2008. I clarfy with ICICI Bank Ltd. at Andheri office they suggested me to pay whole amount of Rs. 8734.00 and assuered me they will provide me the Loan Closure letter for the same.
I have no received any Loan closure leteer till today. and I have got cheterd from ICICI bank Ltd. for Interest amount which no applicable to me with late payment fees.
Kindly advice me how can I cleare my record from CBIL