Hello,
I had applied for a home loan from HDFC bank which was approved and sanctioned by the bank without any issues. But the builder had some technical problems with the bank which did not resolve so I was requested by the builder to apply for a home loan in some other bank. Accordingly I applied for a home loan in Bank of Baroda (they claim to process home loans in just 6 days). It took over month for them to come to a conclusion over my home loan application (for which I had to chase them down several times..!! my application file was below dump of several files and it took real efforts for the bank guy to find out my file)
coming back to the real complaint... Bank of Baroda had my CIBIL report which states that I have not disclosed a loan of 80000/- and also a credit card details. At present I have only one credit card and have submitted the details for the same with the bank. On the basis of the CIBIL report the BOB bank rejected my application plea. When I asked them for a work around they suggested that I buy a HDFC std life insurance product from them of 20000/- which would increase the weight of my home loan application and they will process it within 3 days.
Now I asked the BOB bank official about the CIBIL report he had no answers. I aslo checked with HDFC bank and they said my CIR was clear. Now I need to know how come I have 2 versions of my CIR???
Can anyone please suggest me on what action I can take??
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