In 2005 , 1) My elder brother applied for a addon credit card on my name . 2) The addon credit card was applied without my consent 3) My KYC were not submitted for the addon credit card 4) These addon credit card was never used 5) I never saw these addon credit card 6) I was not in india during that period 7) My elder brother was using his primary card 8) The primary card holder after some time have defaulted in payment 8) Now in November 2018 , The defaulted payment history of Primary card holder appeared in my cibil report , after enquiring with bank , they said that since your name is on addon card holder it came in your cibil report...9) Now the bank is saying that , until primary card holder clears all his dues , those defaulted transaction report will not be removed from the cibil of addon card holder... Please help me as my cibil is spoiled and i am not able to go for any loan.. Kindly throw some light on it...
when was last payment made by your brother?
if more than 3 years have passed claim of bank is barred by limitation
3) you have never submitted any application for add on card
4) it does not bear your signature
5)your CIBIL record cannot be affected for default by your brother
6) file complaint against bank before consumer forum seek orders to direct bank to remove defaulted transaction report from your CIBIL record
Hi,
If the card is taken as you as primary cardholder, then you are liable for the default.
Issuing add-on card without your consent is blatantly illegal. Move consumer court.
Yes this is the practice to recover the amount by the credit card companies.
You may try to arrange settlement from the bank to correct your CIBIL REPORT.
A primary cardholder is liable for all charges and debts on an account, whether charged with the primary or secondary card.
Bank's action in issuing add on card to a person other than the primary card holder is clearly illegal
Plz report this to the banking ombudsman and RBI
Follow up with your complaint by filing RTI application
Intimate the bank in writing. If they are not resolving file Complaint before banking ombudsman. You can also file a case against them in Consumer court
The bank is right in its opinion that the add on card member being a part of the primary credit card holder, he is also liable for the default of repayment of loan.
You cannot dispute it nor you can file a case before consumer forum because the add on facility was availed by you on agreeing to the terms and conditions thereon.
Better sort out the matter with your brother instead of agitating the issue with the bank.
