I had a Credt Card from Deustche Bank, which i have never used. Even I have not used Credit Card DB was continuously calling me that I have Outstanding of Rs. 1200/- in 2007. I have not paid the paid the amount since i have not used my Credit Card. They Charged Interest & Late fees and the Outstanding become Rs. 37000/- in 2010.
In 2010 I was in need of Personal Loan, which I did not got because DB reflected the outstanding amount in my CIBIL. Then forcefully I have made a settlement with them for Rs. 4774/- bcoz I had to apply for a loan.
Now after making settlement also they are still affecting my CIBIL and when I asjked them to give me "No Due Certificate" as the outstanding amounts are NIL as per the Settlement Letter, now they are making excuses and not issuing me the "No Due Certificate" My Loan Application is not getting sanctioned because of CIBIL.
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