Cibil report authentication

[aj7885]

Hi, I closed my personal loan in 2010 and it's reflecting in cibil as closed. But recently I have received calling from bank (may be I suspect third party) I have outstanding payment. How it can be they are asking me when the loan is closed in my cibil report. My question is my cibil report used as proof as I have no receipt about that loan.

Thanks

 

[D₹V]

Hi, I closed my personal loan in 2010 and it's reflecting in cibil as closed. But recently I have received calling from bank (may be I suspect third party) I have outstanding payment. How it can be they are asking me when the loan is closed in my cibil report. My question is my cibil report used as proof as I have no receipt about that loan.

Thanks

No.

You need to have NOC or some written proof from bank.

 

[aj7885]

No.

You need to have NOC or some written proof from bank.

Thank you. I have closed loan in 2010 now it's 2023. But I don't have any proof. The loan last paid date, loan close date and Balance amount as mentioned NIL given by bank only to CIBIL Report. Can you please suggest what can I do in this regard. I Thank you.

 

[akshayhs]

Thank you. I have closed loan in 2010 now it's 2023. But I don't have any proof. The loan last paid date, loan close date and Balance amount as mentioned NIL given by bank only to CIBIL Report. Can you please suggest what can I do in this regard. I Thank you.

Contact the bank and get an NOC. Always remember to collect the NOC/NDC(No dues certificate) from the lender once a credit account is closed.

Also stop entertaining the call if they call you once again and ask them to send a written statement sent to your residence address. If they ask what's your address, then be sure they are not the people who lent you the money.

 

[aj7885]

Contact the bank and get an NOC. Always remember to collect the NOC/NDC(No dues certificate) from the lender once a credit account is closed.

Also stop entertaining the call if they call you once again and ask them to send a written statement sent to your residence address. If they ask what's your address, then be sure they are not the people who lent you the money.

Thank you, very much helpful.