Dear Sir
Since now i have taken 6 diff loans out of which 2 are live.
Before taken 4 loans are fully paid in time with no dues. Out of 2 live loan one is a two wheeler loan taken from family credit of an 47000 & is run smoothly in time with no dues but another one is a 3wheeler loan taken from Indusind bank and last due date for the loan is 23rd of every month and I have paid 15 emis out of 23 on or before 23rd date of every month. But unfortunately they have put my last due date was 16th of every month wrongly in their data base. After so many request they have made correction in their data base and took 12 months to resolve the necessary correction. Now on 03.01.11 I have applied a personal loan in Bajaj Auto Finance ltd as an existing customer, as they are giving loans to their existing customer who has no dpds and no overdue. I had taken a CD loan (consumer durable) i, e. an AC and PL of 86, 000.CD loan i have cleared in 8 months and PL cleared in 6 months with no dpds, no overdue. But they have rejected my proposal for PL of an amount of 99k by saying you have a 3wheelr loan and you are not paying their emis in time i, e taking 7dys, 8dys time for payment since beginning and you have an overdue amount of 40 rupees, thus your CBIL score has gone below 700 i.e. 669. Upon request they have given my CIBIL data. Then i approached the related bank with CIBIL data and my in-timely paid receipt to the BM but he doesn't know how to handle this case and how to reschedule my CIBIL data. Unless and until my CIBIL data get rescheduled with no DPDs and overdue i will not get any loan any where. I am having all the necessary documents and if required i will provide to you. Please help me out to resolve this problem...
U.S.Behera
098668 25277
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