I took a consumer loan from HSBC in the year 2006, for 18 months tenure. All the 18 instalments were paid on time, after completion of 18 months i had been to bank to get closure letter but i was made to come tomorrow which never dies. Now after 4 years when i applied for property loan, in SIBL it is showing as reversed and my points have come down to 750 from 800. My property loan is not getting sanctioned because of this.