Dear Sir / Madam,
I am a small business man and I am facing cibil problems with my PAn Card.

I'm having a small business and in the year 2007 I got an order from my overseas client for which I took some loans to procure the goods from my vendor. But the buyer cheated us and forfeited my money by showing him bankruptcy. Due to that I became a defaulter to HDFC Bank and CITI Bank. I request them several times to give me some time - and I will pay all their dues. But the bank didn't hear a single word and sent hooligans to my house and also threatened me over the telephone and hassreshed me several times. As such I had no option to make Title Suit against both the banks.
And the details are as below:-
1) T.S# 3858; dt.:- 11-09-2009 against HDFC Bank.
2) T.S.#:- 3746; Dt.:- 01-09-2009 against CITI Bank.

Both the banks didn't appear to the court and in place of that they are intentionally sending wrong and faulty information to CIBIL to affect my PAN Card.
Please help me as I am in deep trouble and want to get rid from this situation - otherwise I have to commit suicide as these cibil is also affecting my family and Kids.
If you have obtained your CIBIL report, then you can file a dispute with them as well. Here is the link to CIBIL-TransUnion's dispute resolution page Here the person has to provide, name, address, date of birth, report control number (CN-mentioned on the CIBIL report) and the nature of the dispute. CIBIL-TransUnion's Dispute Resolution Department will analyse and route the dispute to the banks for a resolution.

However, since you are already in the Court, you may want to request the Court to direct both these lenders from sending negative reports about you to credit bureaus at least till there is a judgement.
Our Experts

Sucheta Dalal Trustee - Moneylife Foundation

Abhay Datar Abhay Datar is a consumer activist and is also Member of the Managing Committee of Mumbai Grahak Panchayat (MGP). He was Treasurer at MGP for over two and a half years. After working at Bank of Baroda for about 29 years, he retired as IT Manager. After retirement, Mr Datar joined Consumer Guidance Cell of MGP in 2008 and solved many cases related to banking including online fraudulent transactions, misuse of credit cards and ATM cards. Also handled cases related to mobile and mediclaim. Mr Data

Suresh Prabhu Mr Prabhu retired as Senior Vice President from HDFC Bank

R Bhuvaneswari After serving Bank of Baroda for almost 40 years, Ms Bhuvaneshwari retired as Chief Manager in 2013.

Yogesh Sapkale Yogesh Sapkale is Deputy Editor of Moneylife and writes on finance, credit related issues

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