CIBIL Damaged and Loan Sold

9 months ago

I was having a Home loan with NBFC in which they asked me to pay my EMI online for first 3-4 months as the First EMI couldn't hit my bank and to resume ECS clearance it will take some time. Without my knowledge they signed ECS on my Behalf and submitted to my bank and tried to recover Double payment from my account but the ECS got bounced due to insufficient fund as the payment of EMI was already made via standing instructions. The story kept repeating for multiple months. After 6 month collection team called me up and started ABUSING for non payment of ECS for past 6 months THOUGH PAYMENT TOWARDS THE SAME MONTHS WERE ALREADY MADE ON DUE DATE. Due to this unprofessional behaviour of Presenting ECS to my account and Abusive language I decided to switch over my loan to other lender/Bank. For risk scrutiny New lender asked me clearance on those EMI which inturn I requested to my Original lender but they denied my request saying that they don't have such policy and it's my Fault. After that my loan repayment went regular for next 12 months but I kept requesting clearance on Bounce entries without which I couldn't approach to other lenders in Market. During pendamic situation I opted for 4 months MORATORIUM which as APPROVED by Bank but they didn't stop presenting ECS to my account which resulted in 30+ unexpected Bounces into my account. With this I INFORMED Bank that I am stopping payment towards my loan repayment until my account doesn't gets clear form Bounces for which I am not responsible, I am ready to Pay Accrued interest for tha HOLd period but please investigate and get this issue fixed and do not present ECS into my account. But the Bank neither provide me clearance not stop ECS presentation which was getting Bounce as I was in fear that even after paying the EMi they are denying the receipt of payment. With Multiple meetings with Higher designated officials they asked me to Resume loan repayment and in lieu of that they will help me to improve my Cibil and also Restructure the loan by waving of unexpected charges levied on my account. I started making payment towards my loan account But after months suddenly in between they sold of my loan under SARFAESi act without give my prior notice or valid reason for assignment of my loan. Now the loan is with 3rd party who is not ready to take loan repayment via EMi rather asking me settle the loan account by making full payment.

1. They misguided me to make payment online and submitted ECS which resulted in Damage of my CIBIL record.
2. Again they misguided me by approving Moratorium but kept Presenting ECS.
3. Betrayed me by asking to Resume loan repayment and suddenly sold of my loan with any valid reason and prior notice.
4. Even after selling loan to 3rd party they kept Presenting ECs to my account which again attributed Bounce entries to my account.

I am trying to Borrow loan from New lender but with Damaged CIBIL it's IMPOSSIBLE to get loan on my property.

Kindly suggest