HDFC AND SBI CREDIT CARDS
DELISTING FROM CIBIL

Sir,

I, Mukesh Mandwal, presently residing at 302, Deep Apartment, Laxmi Vihar Complex, Wardha Road, Nagpur 440025, Maharashtra, India andhaving permanent address at A-13/8, Kalindi Housing Estate, Lake Town, Kolkata 700089, West Bengal, India, have applied for Education Loan for my daughter Ms. Shraddha Mandwal with HDFC Bank Limited, Dhantoli Branch, Nagpur, Maharashtra.

But the Bank refused to process my Loan Application on the ground that my name appears in the CIBIL List as a Defaulter in payment of outstanding as on date against the HDFC and also SBI Credit Card.

Having given to understand from a very reliable sources that your esteemed organisation deals with all the issues related with the above situation, I request your goodselves to kindly take up this matter also with the respective authorities concerned and arrange for delisting of my name from the list of CIBIL, to enable me to proceed further in getting the Education Loan sanctioned for my daughter to continue her higher studies ie. MBA from CIMC - Institute promoted by Chronicle Group.

For your information I give below the status of the Credit Card details to the best of my knowledge which can be cross verified with the respective authorities:

SBI CREDIT CARD NO.4006 6610 3772 3074 - VALID UP 03/07- NAME IN THE CARD- MUKESH MANDWAL

I got this card sometime during 02 and was a rare user. I took a personal loan of Rs.23000/- with a committed EMI, inclusive of all taxes and duties on a telephone call. At the time of availing this loan, I was informed that there were no other hidden costs or charges except the fixed EMI.

I started the repayment as per EMI, but after 5 / 6 EMIs they started to charge Service Tax. Also, in all their Monthly Statements they used to charge some penalty on the ground that payment was made after the due date whereas the EMI was made through cheques before the due dates which can be verified by bank statement.

Ultimately, I swapped the entire balance standing to my loan account with HDFC Credit Card except the Loan EMI payable for the remaining months. Subsequently, all the EMI has been made regularly on a monthly basis on due dates without any default. However, there was some balance left to be paid which according to me, may be of Service Tax, wrongly charged to me by the Bank. Hence NOT PAID by me.

HDFC BANK CREDIT CARD NO.5176 3510 0195 4233 - VALID FROM 01/05 TO 01/07 - NAME IN THE CARD - MUKESH MANDWAL

Very few purchases were made by me. I was earlier working in Kolkata and now been transferred to our Factory at Raipur. I used to make regular payments and that too within the time frame of the due dates. Since there was a gap of 2/3 months when I could nota make payments due to reasons beyond my control, I received a phone call from the Executive of HDFC Call Centre. Upon attending this call, the Executive started abusing me for non-payment without even listening to me as to what I was trying to explain. However, I requested to give me the complete details of statement so that I could make payment and clear the entire dues. Although I was promised that I would be provided with all details within half an hour to one hour time through my mail id, I had never received the same. Subsequently, I rang up HDFC Call Centre several times to let me know the details, but in vain. I hence feel that my name appears in their defaulter's list although they have made me defaulter by not providing the necessary details in spite of my several trial of phone calls.

CONCLUSION:

I now solely depend on your goodselves as to how best the situation can be overcome to get the Education Loan sanctioned as my daughter's classes have already started and I am hard pressed to make the payment to the College.

Looking forward to receiving your guidance and favourable reply,

Many thanks and regards

MUKESH MANDWAL (PAN CARD NO.ALJPM0236C)

Mob:09373289431

Company: HDFC AND SBI CREDIT CARDS
Country: India
State: Maharashtra
City: Nagpur

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