Home loan repayment wrongly recorded

[flimz]

I have a joint home loan and even though the emi amount was auto debited as usual it was marked a delayed payment. I have reported on CIBIL.
(I'm not sure if this is relevant info so here - when asked for my bank details I wasn't sure which to provide so I gave the details of the account the EMI is taken from instead of my personal account.)
I called Kotak when I got a text saying payment is delayed and they said it was an error and I can ignore it but when I checked my CIBIL this month it has taken a hit.
Please help me navigate this I have never made a late payment in my life.

 

[rakeshsajjan45]

I have a joint home loan and even though the emi amount was auto debited as usual it was marked a delayed payment. I have reported on CIBIL.
(I'm not sure if this is relevant info so here - when asked for my bank details I wasn't sure which to provide so I gave the details of the account the EMI is taken from instead of my personal account.)
I called Kotak when I got a text saying payment is delayed and they said it was an error and I can ignore it but when I checked my CIBIL this month it has taken a hit.
Please help me navigate this I have never made a late payment in my life.

Complaint on Ombudsman (RBI):

• File a Complaint: If Kotak Bank and CIBIL fail to resolve the issue within a reasonable timeframe, file a complaint with the Banking Ombudsman of the Reserve Bank of India (RBI).
• Provide All Documentation: Submit all relevant documents, including your complaint to Kotak Bank, their response (or lack thereof), and your CIBIL dispute details.
• It usually gets resolved in less than 1 week sometimes within a day.

 

[MartianManhunter]

The exact same thing happened to me. EMI was deducted on time and yet got a delayed payment (19 days delayed) email from Kotak. They told me that it was sent to some people by mistake and I should ignore it.

After a month, I checked CIBIL and it dropped and was marked as delayed by the exact same 19 days by Kotak.

I pressured them into writing me an email that said this was their mistake and would be fixed within 45-60 days. I'll check in June and see if it gets fixed by then.

 

[rakeshsajjan45]

Rep

The exact same thing happened to me. EMI was deducted on time and yet got a delayed payment (19 days delayed) email from Kotak. They told me that it was sent to some people by mistake and I should ignore it.

After a month, I checked CIBIL and it dropped and was marked as delayed by the exact same 19 days by Kotak.

I pressured them into writing me an email that said this was their mistake and would be fixed within 45-60 days. I'll check in June and see if it gets fixed by then.

Report to OMBUDSMAN it will be resolved very soon....

 

[flimz]

How to file a complaint to the ombudsman?

 

[rakeshsajjan45]

How to file a complaint to the ombudsman?

multiple videos are present in youtube still if u struggle message me here i will help ....u have laptop ???it is way better to do it in laptop

 

[alphadark7alphadark7 is verified member.]

How to file a complaint to the ombudsman?

Thread 'How to file a complaint against a bank on the RBI banking ombudsman portal'

Sep 25, 2022

If you want to file a complaint against any bank, follow those steps.
Remember one thing, file a complaint with your bank first, then wait 30 days for resolution. If your bank doesn't solve your problem within 30 days, you can move to the RBI banking ombudsman. If you don't get any satisfactory resolution from your bank, you can also move to the RBI banking ombudsman before completing 30 days.

How to file a complaint against a bank on the RBI banking ombudsman portal:-

Visit RBI Banking Ombudsman Portal- https://rbi.org.in/Scripts/Complaints.aspx
Click on "Click here to file a...

• TechnoFino
• Replies: 180
• Forum: Banking Complaint

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