I Mr. Sanket Anand Vaidya Age 25 Years am holding a Citibank International Credit Card No 5546199648684009. My total amount due on this card was Rs. 4670/- with a due date of 15/07/2007. I have made a payment of Rs. 4700/- wide chq. no. 263805 of The Thane Janata Sahakari Bank, Khopat Branch, Thane which was debited from my bank Account on 06/07/2007 i.e. 9 days before the due date. Even then i and my family was suffering mental harassment as i was getting calls at my residence and my mobile at least 10 times a day from Citigroup Office number 02266427800 from 06/07/2007 to 24/07/2007 starting from morning 07.00 A.M. to night 08.00 P.M. This is because the Citibank records were not reflecting the payment i had done but in my bank statement it had been debited well in advance. I have even faxed my bank statement several times on 02266489797(Citibank Fax No.).

SO IS DOING THE TOTAL CREDIT CARD PAYMENT IN ADVANCE MY FAULT?
This was not enough. CITIBANK also charged me late payment fees as i had not made the credit card payment on time. (which was later reversed after one month in the next billing statement)

After this in the month of August 2007 Citibank also threw me in their Defaulters List by adding the name in CIBIL (CREDIT INFORMATION BUREAU (INDIA) LIMITED) without any of my fault as i had done the full credit card payment 9 days before the due date.

I came to know that my name was added to CIBIL from ICICI Bank. In the month of August 2007 i had applied for a OVER DRAFT ( OD ) facility in ICICI Bank for Rs. 5,00,000/- (Rupees Five Lakh Only ) for my business which i needed very urgently to expand my business. The Over Draft was SANCTIONED by ICICI Bank.

But later in this month of September while doing the disbursement of the Over Draft Facility it was rejected by the Credit Manager of ICICI Bank as my name was by that time added in the DEFAULTERS list in CIBIL for the late payment of CITIBANK Credit Card.

Now i am in a state of mental shock as i had given many commitments of expanding my business on the basis of the ICICI Bank OD Facility. My mother is an Heart Patient. She and my other family members have suffered a TORTURE and Mental Harassment from Citibank Credit Card people as they would harass us all from morning 7 AM to 8 PM by calling on my residence number and Mobile No.for almost 20 DAYS.

AND my dream of expanding my business could not be realized. I have suffered huge financial loss and i am in a state of mental shock because of CITIBANK.

Now what should i do to clear my name from the defaulters list in CIBIL?

Can i fulfill my dreams in future? As till my name is in the defaulters list in CIBIL no financial institutions will help me.
PLEASE ADVICE ME smb!

Regards,
SANKET ANAND VAIDYA
CAR MALL THANE,
Service Road, Bata Compound,
Next to Flower Valley Society,
Khopat, Thane(W)-400601. Mumbai
9867444443/ 02232404321