Feb 19, 2016 04:13 PM
15211 Views
This time I want to share my opinion on our very own CIBIL. Seriously these guys just want to mint money. Also its our banking institutions which make them the GODs & lets them decide the fate of consumer in terms of Loans & Credit Cards.
Although we all know that there are certain frauds happening, but even it is the fault of the financial institution or banks who give CC or loans without proper verification. Moreover who is CIBIL to judge such consumers who might have skipped few payment & yet they managed to settle the amount . Such customers are the most affected people in India.Due to this they have to lend money from ill legal sources & end up in committing suicide or loss of properties.
Banks should really pass on the information about CIBIL to the new customers without the final training & awareness the accounts should not be opened. All the goofups happen is because of lack of awareness.
Now people like me I am a defaulter, Yes in the past when banks were issuing CC to all Tom, dick & harry . So did I received one. Due to fluctuation in the job I was not able to few bills, which got reported to CIBIL & they made a bomb out of that & blasted the same on my fate. Now even though I need a loan for any emergencies, I am denied. However I had cleared all the dues by settling the amount. Yet they happily screw my happiness.
Dear CIBIL, Do not judge a book by its cover . You never know how a human being feel when there is no financial help due to the previous mistakes or wrong decisions . Even life gives a second chance.
Regards,
Charlie
