Sir i am a customer of hsbc with credit card and with the personnel loan i have been paying them promptly for the cards by cash at there counter in my place but for my personel loan i have given an ecs thorugh my account with hdfc and the things was going normally i have being bepositing the amount in the account at the tright time but in the year 2006 june i had a call from the collecting of the bank asking me that the due is bending i told them that i have deposited the amount in the account the first time they where polit and told that they will check it and after that a week one mr subash called to my land line and my wife picked the phone and he spoked to her in a very third rated and then my wife called me and told this as soon as i was back i took the detail of the deposit to the bank officals and showed the details and told that i have not don any mistake but the never belived me and they where saying that i might have given some other cheque for collection and some stories and then i went to my banker and i asked them to check the account then they found that they have given the worng account no so the amount was not debited in my account and i also told the same thing to there collecting officer Mr senthil and he told me to call one of there officer at chennai in name mrs dolly and to report and gave me her no i also did the same and she told me that they will take care of it and i was as usaul depositing the amount in the account things was going normall in the year 2008 jan i had a call from the bank that i have been issued a offer for enhansment of the personel loan and i also took the offer and discussed with them for a month as i was about to purchase a land and after the discussion i submitted my proposal for login in the 8th of feb and on 11th of feb my proposal was loged and in 14th of feb i was told that my loan is being refused as there was over due in the account and i told that i have not missed even a single payment and i am paying the laon prmptly then i was called to there office with all details and they also saw my account and my banker's letter stating that they have given a worng account no so the amount was not debeit in my account and there was enough balance and i told them the need of the loan is badly need to me for the registation charges and they asked me to come to there office and dragged the thing and finilly i acked my lawyer to speak to there credit manager mr rangit and he told that i have to pay the due in that occusion my lawyer asked we are ready to pay but the condition is that will the loan will be through and if not we have to take up this issue to the consumer form and i told my lawyer it is not advisable to fight let us ask them to remove my name form cibil so that we can take the loan form other bank and we can register the property but they also failed to do so and i was not able to rigster the land as the time limit as told in the agreement was over and i lost the entire money which i have payed to the seller then i went to the consumer form with all the details and asked a compansation in that and i have won the case but the companesation which was given to me was not as per my request so i have gone to a apelle in state form in chennai and the case is pending there in mean time they once again have published my name in cibil and they are just spoiling my credit worth of an individual i have given them many chance but they have refused to use it and they have put me in trouble and they are also not accepting the mistakes and they are forceing me i want to know what that i can do in this condition as my name is been in cibil and if the board need the judgement copy of the consumer form i am ready to provide it and also the case that is pending in state form also and i want to remove my name form cibil
expecting your reply
M.Raja Paranthaman
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