https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_7652429
Report Discrepancy on CIBIL
CIBIL Report Discrepancy - Need Help
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My CIBIL score has been reduced due to an entry in Loan showing Critical.. Indicated that I borrowed from ADITYA BIRLA F L and Re.1/- outstanding in March & April 2021. Current Balance showing Rs.777/-. I am using Ola Postpaid or any other pay later services.
2. I never applied for any loan but showing that NORTHERN ARC CAP sanctioned loan of Rs.2525 for a tenure of 0.25 year.
Can anyone help me trace through which channel the loan has routed. I have not taken loan from anyone. I am not using Amazon pay later, Flipkater pay later, Paytm, Mobikwik or Ola Postpaid.
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https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_7697281
The ola money wallet is actually a loan they are creating on your name via idfc or aditya finance.. thats wat i saw in my cibil.. they opened a 30k loan on my name via idfc bank.
I checked with them n they showed detailed tnc of the wallet which mentions they will be opening loan account on our name.
Close ola wallet n then see in 3 months. The loan account will be closed.
https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_7697295
NightRider85 wrote:The ola money wallet is actually a loan they are creating on your name via idfc or aditya finance.. thats wat i saw in my cibil.. they opened a 30k loan on my name via idfc bank.
I checked with them n they showed detailed tnc of the wallet which mentions they will be opening loan account on our name.
Close ola wallet n then see in 3 months. The loan account will be closed.
This is only for the ola money Postpaid service right? We can use ola money as a prepaid wallet without taking any loan right? Maybe you gave consent to open a loan account without realizing?
https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_7697818
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mango-man wrote:This is only for the ola money Postpaid service right? We can use ola money as a prepaid wallet without taking any loan right? Maybe you gave consent to open a loan account without realizing?
In the postpaid plus services they are opening this. I was never informed that a loan account would be opened for postpaid plus services..
When i saw the cibil report n questioned them, they sent me the detailed tnc which mentioned they were opening the loan account.
Its a complete sham.
Even if they opened the loan account ,i wasnt ever creditted 30k to my name.its money they kind of took on my name n kept with them as a security n if i delayed in paying they would charge me the money..
Had i been a lawyer n got free time, i would have surely sued them.
https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_7697837
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NightRider85 wrote:In the postpaid plus services they are opening this. I was never informed that a loan account would be opened for postpaid plus services..
When i saw the cibil report n questioned them, they sent me the detailed tnc which mentioned they were opening the loan account.
Its a complete sham.
Even if they opened the loan account ,i wasnt ever creditted 30k to my name.its money they kind of took on my name n kept with them as a security n if i delayed in paying they would charge me the money..
Had i been a lawyer n got free time, i would have surely sued them.
1st you open some shit account without reading TnC and then you want to sue them (for your fault of not reading the TnC 
)
https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_7697844
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Sudarshan61 wrote:1st you open some shit account without reading TnC and then you want to sue them (for your fault of not reading the TnC
Yes..i do accept i did mistake by believing in brands like OLA. BUT Ur also talking as if u go through all tnc before opening any bank account n not just sign at mentioned places where told to at branch ?
Please be realistic ..this was not happening before..
have u really read your amazon wallet or paytm wallet tnc or all credit card tnc?
https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_7697848
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NightRider85 wrote:Yes..i do accept i did mistake by believing in brands like OLA. BUT Ur also talking as if u go through all tnc before opening any bank account n not just sign at mentioned places where told to at branch ?
Please be realistic ..this was not happening before..
have u really read your amazon wallet or paytm wallet tnc or all credit card tnc?
Dont you know the meaning of smiley
Pun aside…any post pay kind of product is like a loan.
nothing comes for free/without harming 1s CIBIL score.
Best is close the account and in couple of month CIBIL score will be fine…
Dispute/Discrepancy with CIBIL wont work in this case.
https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_7697859
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Sudarshan61 wrote:Dont you know the meaning of smiley
Pun aside…any post pay kind of product is like a loan.
nothing comes for free/without harming 1s CIBIL score.Best is close the account and in couple of month CIBIL score will be fine…
Dispute/Discrepancy with CIBIL wont work in this case.
Yes buddy.. closed that account/service immediately just as i saw the entry in cibil…
I have a Simpl account also.. bt there they didnt open any loan account. So i believed it could be like that too.
Anyhow in these days of too many frauds, need to think thrice now of any new services we opt for.
https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_7697866
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NightRider85 wrote:Yes buddy.. closed that account/service immediately just as i saw the entry in cibil…
I have a Simpl account also.. bt there they didnt open any loan account. So i believed it could be like that too.
Anyhow in these days of too many frauds, need to think thrice now of any new services we opt for.
Thats true…
I have closed so many of my account in recent times (CRED, OneCard, FreeCharge, mobikwik, paisabazaar ..list keeps on growing..) plus no more new account (atleast not without reading and knowing about it properly)
https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_7697870
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NightRider85 wrote:Yes..i do accept i did mistake by believing in brands like OLA. BUT Ur also talking as if u go through all tnc before opening any bank account n not just sign at mentioned places where told to at branch ?
Please be realistic ..this was not happening before..
have u really read your amazon wallet or paytm wallet tnc or all credit card tnc?
There are people who do this. In fact most ppl don’t take it seriously even if told about some important point buried deep within T&C so it can be considered peoples’ fault only. Check my posts here regarding indusind cards T&C:
https://www.desidime.com/discussions/indusind-c...
https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_7697899
Nowadays RBL is also troubling a lot. 2-3 days back they called for cookies card which wud have 10% lifetime off on amazon n flipkart. This was a certain fluke for me n i told him to show where its written on website or link. It was mentioned 1k/5k voucher of amazon if u spend 1lk/5lk in 1 yr.. i told him to share his id n company name n he apologized n cut the call..
So its all bluff time these days
https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_8569975
A bit late to post (by about 1 year) 
but are you by any chance using Uni card? It shows up as a loan from NORTHERN ARC CAP.
https://www.desidime.com/discussions/cibil-report-discrepancy-need-help?page=1#post_8912935
some1anywhere wrote:thank you bro for the helpA bit late to post (by about 1 year)
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