I had a personal loan from CITI Bank which was settled 2 yrs back. The loan A/c no. was 10299584. This loan was actually taken by one of my friend who is a industry defaulter. His name is Malyaban Gupta. He requested me to take a loan and he promised that he would be giving the EMIs. He was my childhood freind and I took the loan and gave him the amount (50k) on good faith. But after few months he started defaulting. CITI people use to call me as the loan was in my name which is natural. Whenever the collection people came to me for payment, I used to send them in my friends house for payment. this was the natural process. After few more months he stopped giving payments. All the CITI collection officials were aware the fact that though the loan was in my name but Malyaban has to pay. It was going like this untill he stopped paying any EMIs. When CITI bank started calling me, coming to my home etc, I took this matter seriously and I pressured that guy to pay the amount which was suggested as settlement amount. I had given enormous effort to take out that money from that defaulter and settled the said loan account. Mr. Shane Ireland was the collection manager in that time who knew that though the loan was in my name but the amount was enjoyed by Malyaban gupta who is a previous defaulter of that bank. Even the PDCs given were from a joint Savings bank A/c of me & Malyaban Gupta. Now the issue is, I applied for a personal loan from ICICI bank few days back which got rejected due to previous bad credit history. I'm affraid that my name has gone to Satyam database due to previous loan incident where I'm not at all responsible. I would request CITI thriugh this mail to remove my name from satyam database as I'm losing my credibility in the market. The above furnished data (e.g. loan a/c no., name of collection manager, name of my defaulter friend) can be cross verified.
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