ICICI Bank
I took two wheeler loan from ICICI bank in Feb.2007 & my Loan Account No.: LTBRD00009063709
I missed one installment due to salary account changed from Corporation bank to Axis bank. Then after ICICI recovery agent came to my house to collect returned EMI amount. I paid 1119/- to him due to bounsed EMI.
He suggested me to give EMI by cash rather than to replace security cheque of my old salaried account from ICICI bank. He told me that, he will come at every 8th of each month (2 days before EMI date).
I agreed him because he was approved ICICI agent & he comitted this is the legal & right way to avoid hassle.
Then I paid almost 17 installments by cash to him. And all the installments paid before the date of EMI.
After 17 installments I knew that bank has charged 200/- for each month, due to ECS returns. Immediately I contacted that agent but he was terminated from service. I talked to his manager, he told me, "that executive has been terminated from his service due to some reasons". I explained everything to that manager & he told me that "sattlement will be done at the last installment due to mistake & misguiding of that executive. So, dont worry for that."
As I did it like that.
Due to only one installment, I am registered as a defaulter in CIBIL. And CIBIL records shows my 17 installments are irregular. How does it possible. I have paid all the installments before 2 days of EMI date.
After that , I took 1 Two-wheeler loan from Indusind bank & 2 consumer loan from Bajaj finance Ltd. All of the Three loan has paid regularly. Not even a single EMI fails to pay.
My record is clean & clear. Even though I am registered as a Defaulter.
I have applied a car loan for 4 Lac from HDFC bank & SBI, but due to registered as a defaulter & wrong poor track record in CIBIL, my loan request is rejected.
I visited to ICICI bank- Baroda, but no one helped me for this.
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