| Topic : Life on Credit |
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Finance & Accounts
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Activity:
Question posted: 07 03 2010 15:37:53 +0000,
2 answers, 902 views, last activity
05 23 2011 02:21:51 +0000
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I had a room mate, who came to me in the name of relative and lived with me for 6 months. I helped him in all his necessities, including books..
One fine day, when I went to office, he took away my credit card and locked the room and left. (Fortunately, I had another spare key). then I didnot know that he took away my credit card from ICICI Bank., but after 8 months, when I applied for a loan, the agent told that my name was under CIBIL List of Defaulters. Frankly speaking, till then, I donot know that he stole my credit card.
It is almost 2.5 yrs.
What I want to know is that
How can I settle the account?
If I settle the account of Credit with Bank, will my name be removed from the List?
and any other information regarding the same is appreciated.
With regards
Repath Athyala.
As Mr. Mohammad pointed out, you have to settle the account with ICICI first. Best way is to approach them and ask for a one time settlement. They will give some concession in the dues and you can settle the account. Don't forget to take a letter from them that the account is fully and finally settled. Then apply to CIBIL.
other then the legal procedure you havve to settle your card payment with icici bank.after clearing the dues they issue a NOC letter.then u have to apply to CIBIL for removing your name from the default list.also you have to pay RS.150 towarrds the CIBIL fee.
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