I am a State Governemnt employee drawing salary gross Rs.35, 000/-. I applied personal loan of Rs.4.50 lac with Barclays, Amritsar for repayment of my housing loan with ICICI. However my loan rejected on flimsy ground of my CIBIL scoring of 553. I obtained details from CIBIL and the said details do not reveal that all the previous loans availed stand repaid and at present I am only to pay the housing loan balance of Rs.4.50 lacs which I proposed to pay out of personal loan proposed to be availed from Barclays. I have even shown details at Amritsar branch and shown no due certificates but they are sticking to my CIBIL scoring althugh CIBIL statment shows the said loans being already closed since long.
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