Home Loan Gurantor for Unkown Person
I was looking for Home loan self few years back and contacted an agent to help me out. He took all of documents as he said will apply in all banks. Post few years i found i am home loan gurantor for home loan to unknown person.
This loan was taken by Jeetu Chanchalani who is
unknown to me. I was unaware that i will be guarantor for this home loan while signing few docs via that agent at one branch.
Somehow i managed to contact Mr. Jeetu and requested him to get my name removed and
he agreed. Later on he sent request email to bank for removal of my name, but no action was taken.
My cibil score is having big impact due to this laon and facing lot of issues getting any
financial aid from reputed institution.
I submitted request in Standard Public Grievance Redressal System of Vijaya Bank and got
positive response as below
Requested On : 10/5/2017 6:41:32 AM
Response : Had a word with the customer, he is ready to change the guarantor at the earliest.
Status : Resolved.
Still that home loan was reflecting in my cibil report further i submitted another request 21
months later and received negative response as Loan is NPA and they will reponse me in few
working days.
Requested On : 2/14/2018 11:43:37 PM
Response : We are taking advise from concerned deptts since a/c is NPA and we will revert
within 2-3 working days.
Status : Resolved.
I request you to help me from this situation and get my name removed from Loan gurantor
as impacting my financial situation a lot as now they disagree to remove my name for loan unless dues are paid.