Recently i applied for home loan but it was found in cibil report that I am not eligible.
reason some two wheeler loams are showing in my report . I have taken only one time loan for two wheeler in 2015 that is 33000/-.rest two loans of 1--. 40000/- in 2004 and 2.-- 22000/- in 2005 .These both above transactions are not in my knowledge and someone has done fraud with me.I want to know entire details of above two illegal loans .who, when, how do this.pl revert.
i am in urgency, pl proceed it on priority.
From what you tell us, you have a serious problem about misuse of your identity, if the facts that you have stated are true. Whatever your urgency, you are not likely to get a loan from a formal lending institution unless you resolve the problem.

We would urge you, in your own interest, to focus on the bigger problem that you may have - that someone has misused your identity to borrow in your name - with or without your knowledge.

Also remember, if you go to a moneylender or informal sources other than family or employer, you may end up with huge interest liabilities that can only land you in a financial trap.

You may want to call our office and seek an appointment to meet our counsellors. They will be able to give you FREE guidance on how to find your way out of this mess.
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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