In the year 2002 i purchased a two wheeler. After paying 50% amount i took loan from TVS finance for the rest. For 24 months tenure EMIS used to get debited from my account every month with out fail. After deducting around 18 emis from my account. Due to some problem they have not deducted 4 emis from my account inspite of the availability of the fund. Inspite of my repeated calls to the company, there was no reply from the co. Again they resumed the emi deduction leaving 4 emis. IN the end of 24 month they asked me to pay the unpaid emis with interest, which i said no and proved them that it is their mistake of not deducting from my account. They have accepted the same and gave me the NOC and settlement letter. This happened in the year 2004. Now recently when i applied for the homeloan, my cibil report shows the above as cheque bounce and payment due. Because of this my home loan with hdfc got rejected. Now where will i go? Is it not, unfair on the part of CIBIL to reflect such wrong information? Because of this genune loan repayers are getting affected.
It looks like the copied article from a random website by replacing the word CIBIL with Credit Bureau. This is the methodology followed in US for loans. In India it i snot easy to identify an individual as there's no system like Social Security number in US or NRIC / FIN Number in Singapore. I don't know how CIBIL manages to get the data of every individual without a proper system.
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