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Posted On :- 25/09/2007
 
Question Asked :-  
 
I had ABN Amro credit card, which was offered free of cost. Later after a year, they sent me a bill charging me an annual fee. Since the agent had promised lifetime free, I called them and told them that and also that I didn't want the card if there are any fees. They kept sending me a bill with interest charges on it. This was some 6 months ago. I recently applied for another credit card of a different bank and they said my name figured in the defaulter list. My question is 1. How do I know if my name is in the defaulter list? 2. How do I know who has reported that. 3. What can I do if it is ABN Amro? I want to apply for a home loan and friends say that I might not get a loan because of this.  
 
Answer :-  
 
You are absolutely right in taking up this issue as otherwise it can mar your credit standing. Here are our suggestions on how you can proceed: There are two credit bureaus that maintain your credit data in the country now, the prominent among them is CIBIL or Credit Information Bureau (India) Ltd. The newly notified Credit Information Companies Regulation Act , 2005 (CICRA)gives a consumer several rights with regard to credit bureaus. 1) First you should approach CIBIL (www.cibil.com) to get a copy of your own credit report. This right is given to you by CICRA. Make the request officially in writing and get an acknowledgement for your request. 2)This report will then outline what exactly is reported by the bank in respect of your credit account and enable you to take action accordingly if there is any error in the reporting. Specific measures have been provided in the CICRA for the consumer to raise a dispute in respect of any wrong reporting with a time bound dispute resolution mechanism that has been built in. You can take up the matter with the concerned bank by posting a complaint on their website and keep proof of that with you. If there is no response from the bank within 15 days, you can lodge a complaint with banking ombudsman (www.bankingombudsman.rbi.org.in).  
 

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