Tell us your CIBIL Problem

Tell us Your Problem Related to Credit Scores

Has your banker or lending institution turned down your request for Credit Card, Business Loan, Start-Up Loan, Personal Loan, Auto Loan, Car Loan, Home Loan, Commercial Vehicle Loan, Agricultural Loan or any other type of loan by saying:

• Your CIBIL or Credit Report is not Good.
• Your CIBIL Scores or Credit Scores are not up to the minimum mark for getting sanctioned the Bank Loans or Credit Card.
• Your Credit Report has “Settled” or “Written Off” account.
• Your CIBIL Report includes loan account where it is overdue or past due account.
• Accounts reported in your Credit Report are categorized as Sub-Standard, Doubtful or Loss Assets.
• Though the reported loan accounts are regular and you have exhausted your repaying capacity.
• You are a joint or co-borrower in a loan account, which is in default.
• You have stood as Guarantor in a loan account which remained in default in the past or is in default presently.

Then you may find it difficult to convince your banker or lending financial institution even if you are not a defaulter. Such questions can be answered easily only by a qualified and experienced professional, especially one who has practical banking experience and know how to analyze and get such damaging Credit Reports.

At the first instance, the analyst will require the following information from your side to proceed further for critical analysis of your Credit Reports by any Credit Rating Agency like CIBIL, Experian, Equifax or HighRank.

STEP-1: SUBMISSION OF DOCUMENTS:

1. Exact Name as per PAN Card, Aadhaar Card, Passport, Voter ID or Driving License.
2. Exact Address as per PAN Card, Aadhaar Card, Passport, Voter ID or Driving License.
3. Mobile Number and Email ID if any.
4. PDF Copy of the latest CIBIL Report which should not be more than 10-15 days old.
5. Scanned Copies of PAN Card, Aadhaar Card, Passport, Voter ID or Driving License.
6. Account Numbers of your any Two previously closed loan/credit card accounts or existing loan/credit card accounts along with the amount of loan, Purpose of Loan and Year of Loan. Correct information on your existing or closed loan accounts will help us fetch your Credit Report more accurately from the various Credit Rating Agencies.
7. Exact Problem: Narrate here that you visited your bankers and they refused to sanction your loan due to various reasons like i) Bad CIBIL Report ii) Poor Credit Score iii) Many Delinquency Strings in the Credit Report iv) Report includes overdue accounts, Settled Accounts and/or Written Off account.

You can submit the above documents through Contact Us after having a personal dialogue at given Mobile/Land Line Numbers.

STEP-2: PAYMENT OF PROFESSIONAL FEES AND OUT OF POCKET EXPENSE:

Immediately after submitting the documents and information as above you will be directed to make online Payment of Professional Fees and Out of Pocket Expense through Online Payment Links at CIBIL Consultants.

Beware Holders of Multiple PAN Cards - e-PAN launched

At last, the Government of India has heeded to my request for issuing e-ID Proofs, e-Passports, e-Driving Licenses, E-Voter ID Cards and e-PAN Cards in line with e-Aadhaar which can be downloaded anywhere anytime. The government has issued its first e-PAN to get rid of Problems relating to "Multiple PAN Cards issued to One Person" and "Same PAN Card issued to more than one Individual". I am sure that if the GOI comes with e-ID Proofs, e-Passports, e-Driving Licenses, E-Voter ID Cards also - then nobody will be able to cheat the Banks or any other person/institutions and it will also save India and Indians from Identity Crisis which is lurking on the resident of India.

e-PAN Launched to Catch Hold of Multiple PAN Card Holders

Today one of our client who was facing a lot of CIBIL Problems, due to faults in his PAN Card, received his first ever e-PAN as shown in the image.

Really it is a welcome step by Government of India to switch to e-PAN from Physical PAN as it will solve many Problems relating to PAN Cards. I am of the opinion – if the GOI bans all ID Proof Issuing Authorities to issue Physical ID Cards and asks them to issue only e-Identity Card then India can avoid the Identity Crisis, which is likely to be faced by the Indians in the next 5 years or next decade. If you are facing any Identity Crisis – Consult this Expert or Join the Premium online Whats App Groups named “Solve CIBIL Problems Online“.

As per Data available on Income Tax website of GOI: (As on 25/07/2017)

Total Registered Users	:	6,08,66,580
Registered and Aadhaar Linked	:	2,67,47,617
Not-Registered but Aadhaar Linked	:	1,30,27,992 (Aadhar Linked PAN not having IT Profile.
e-Verified ITRs (17-18)	:	60,15,544 ( Last Date is 31/07/2018)

From the above data/figures, it is evident that Public is not taking the Government Instructions seriously and that's why the Government has levied Penalty of Rs.10000 for late filing of IT Returns ( which will not be possible without PAN linking with Aadhar) wef Financial Year 2017-18 and AY 2018-19.

Breaking News – Get Lost PAN Card within Minutes!

Get Lost PAN Card within Minutes! Yes, it is true, Now you can get your Lost PAN Card in the shape of E-PAN within minutes.

• No need to apply fresh
• No Need to give Fresh Photos
• No Need to give Fresh ID or Address Proofs
• No Need to give Fresh Date of Birth Proof

Just visit CIBIL Consultants along with your Aadhar and Aadhar Linked Mobile to get your Lost PAN Card immediately

Download your e-PAN online.

Source: CIBIL Consultants

New Samadhan Kender is Government Certified Center

 

STAY CONNECTED WITH US:  We are opening "New Samadhan Kender" which will be providing not only the services being provided by Government Authorised Common Services Center, but we will also be solving all the Financial Problems through our following Associate Websites - as we are backed by India's Top Financial Consultant - Ashok Goyal, Retd Chief Manager PNB who is not only a Leading Credit Reports Consultant in India but also a Fraud Detection Expert. 

• Expert Consultants 
• AskMrGoyal 

The public can confirm the correctness of our claim - that our services are backed and supported by India's Top Financial Consultant - Ashok Goyal, Retd Chief Manager PNB who is not only a Leading Credit Reports Consultant in India - by calling Mr.Ashok Goyal on his M-9814915812 or 8849950799.

With Best Festive Season Greetings from:

Kiran Gupta

Owner of New Samadhan Kender

614, Sector 10, Panchkula

+91977977311

Common Service Centre is Live at New Samadhan Kender

Common Service Centre vide VLE ID: 2224255340013 is Live at New Samadhan Kender

Good News, Good News, New Samadhan Kender has been finally authorized by the Government under the Digital India - Digital Seva Program to work as a full-fledged Common Service Centre vide VLE ID: 2224255340013.

While we have started functioning with limited services during the initial set-up period. the New Samadhan Kender will become fully operational by 01-01-2022  when we will be providing more than 300 services under one roof.

We are also setting up Customer Service Points of major Private and Public Sector banks like State Bank of India and HDFC Bank for which Police Verification Process has been initiated and once we get the Police Clearance - all Banking Services including submission of Life Certificates, Deposit of money and withdrawal of money will be possible at our New Samadhan Kender as per Rules of the respective Banks. We will also install Micro-ATM at our Premises. We will also help our clients to apply for Loans with different Banks under different Schemes Launched by the Govt of India.

Our added attraction will be all types of pension-like Atal Pension Yojna, NPS, Swablamban Pension Yojna, EPS, and much more.

CLAIMS ON SHARES, DEBENTURES, FIXED DEPOSITS, GENERAL AND MEDICAL INSURANCE

Do you know that several multi crores of rupees are lying in unclaimed accounts with Banks, Insurance Companies, Public Limited Companies? Have U ever bothered to know - what happens to such unclaimed funds? You must read these eye-opener articles by our Mentor and Guide, Shri Ashok Goyal, Retd Chief Manager PNB and Leading Credit Reports Consultant in India. Now the Government of India has established Investor Education and Protection Fund Authority, where all such Unclaimed Investments are Parked.

Your forefathers have might invested their hard-earned money in shares, debentures, fixed deposits, and Insurance Policies but due to lack of awareness, you might be unaware of such investments.

NEW SAMADHAN KENDER  will also assist you to recover all such dead investments which can turn your Fortune Wheel to make you rich overnight. Our Services will include dealing in all such claims including:

• Transfer of Share after the death of an original shareholder.
• Transfer of Physical Shares into Demat Accounts.
• Recovery of Lost Shares - Lost Shares in Floods, Fires, and Natural Disasters
• Issue of Duplicate Shares
• The Claims of Share from Investor Education and Protection Fund Authority
• The Claim of Old Dividends from IEPF.
• Following up with Registrar and Transfer Agents for Transfer os Share in the Names of the Legal Heirs.

Only Recently, our Mentor and Guide, Shri Ashok Goyal, Retd Chief Manager PNB, Claims Specialist, Fraud Detection Expert, and Leading Credit Reports Consultant in India fought a Long Legal Battle with ICICI Lombard to deliver justice to one of the clients - whose Vehicle Insurance Claim was rejected by the Insurance Company in the year 2007 and the client approached Mr.Goyal in the year 2016. Ultimately the Insurance Company had to pay a Total Damage Claim of more than Rs.8 Lacs to the Client after a gap and lapse of 10 years. If you are also facing such a problem and you are being harassed for your Justified Claims - then just Contact us on what's app Nos.9814915812, 8849950799, and/or 9779777311 and we assure you that we will get justice delivered to you without going to the Court of Law as Legal Processes in India are not only costly but very lengthy.

Think Before Linking PAN with Aadhaar

The government has issued instructions to resident and non-resident Indians to link their PAN Cards with Aadhaar and those who do not link their PAN Cards with Aadhaar will not be able to file or e-file their IT Returns for the AY 2017-18 and onwards. Keeping in view the general difficulties being faced by the public the government, in consultation with webmasters of UIDAI and Income Tax E-filing websites, has simplified the procedures to Link the Pan Card with their Aadhar.

Which ID and Address Proof Most Reliable in India

No doubt it is just a less than one minute job and anybody holding a valid PAN Card and  Aadhaar Card can do it within a fraction of a minute. But, beware - you should not use the above Link provided by the IncomeTax E-filing website in haste lest you may land yourself into trouble. However, if you are already e-filing your IT Return and there are no issues with 26AS or IT Returns filed by you so far then you can use the above link fearlessly. But the individuals, who have never filed their IT Returns in the past must do the following tests:

Register on the e-filing website of Income Tax

If the registration process says that "This PAN is already registered. If you have not registered, please contact 180042500025 (Not Working) as I tried it.

Your Problems start here.

Now you have no alternative but to use the forgot password facility and generate the OTP through your new email ID and Mobile Number.

After the generation and filling of OTP through email and mobile - the system will ask you to verify your TDS details through the TAN details of the deductor. If there is no Tax Deduction in your case, I fear you may not be able to take control of IT Profile associated with your PAN Number which might be being used by some other namesake as that of yours.

In case you are able to reset the password - there is every possibility that the other person, who is using your PAN Number - wrongly allotted to two different individuals, may cancel the password reset request as the Income Tax website sends emails to both the email IDs - that is the email ID of the person already using the PAN Card profile and fresh email ID provided by you.

In one such case, one of my friends submitted the password reset which is activated by the Income Tax website after 12 hours and the email goes to the previous email ID using the profile and the fresh email ID, who wants to take control of the profile.

It is just like two twins with the same DOB and same names fighting for one wife. Only the parents of the wife can tell who is the original husband of their daughter. Here the parents are NSDL, UTIISL, and the Income Tax People - who will decide as to whom the PAN Card belongs.

In the above case of my friend, the other twin canceled the password reset request 5 times and my friend was deprived of his right to view his 26AS and enjoy filing my IT Return.

Then my friend played a trick. He sent the Password Reset Request at about 11 PM on the night when the other twin might be sleeping. My friend woke up early in the morning to catch hold of his legitimate wife which is the same PAN Number allotted to two different persons. Lo, the parents allowed the wife (PAN Number being used by Other Twin) to go with my friend, and now he had full access to the IT Profile.

Immediately without checking any other details - the friend linked the PAN with his Aadhaar which got completed successfully. Now legally speaking my friend became the true husband of the wife (PAN Card Associated Profile) who was living with his twin for the last more than 10 years and his twin was left helpless.

But during the last 10 years, the twin of the friend had e-filed so many IT Returns which could be seen in the profile along with Income Tax Notices. Now it was my friend's turn to face the problem to bear the burn of bringing up the children born out of the live-in relationship of his twin and his wife.

Now my friend was left with no alternative but to re-handover the wife to his twin so that they could live happily and my friend is now in search of a new wife (Fresh Different PAN Number and not Shared PAN Number).

My friend got a new wife (PAN Number) as the parents NSDL, UTIISL, and Income Tax People agreed to marry their another daughter (New PAN Number) with my friend.

But still, my friend has not got the legal rights as my friend could not link his Aadhar with New PAN Card and legally speaking - the previous wife(Old PAN Number) is still claiming to be his wife for snatching rights to properties of my friend like my friend could not delink his Aadhar number from old PAN Card.

The issue is still pending with the "Matrimonial Court - consisting of UIDAI and the Income Tax Authorities" who have not been able to solve the issue.

I am still hesitating to live with my New Wife (New PAN Card) as I could not grant her legal status by linking it to my Aadhar Card. The system says that "This Aadhar Card is already linked to some other PAN" - and I am in a dilemma as to how to get a Divorce from my earlier wife (Old PAN Card).

What Happens when the Same PANCard is issued to two Different Persons: 

There is every likelihood that you might be sharing your PAN Number with some other Person. You will have to pass through the above dilemma - and I am still searching for the solution. However, if you decide to apply for a fresh PAN through your Aadhaar authentication then you will have to loose are your Tax Credits so far and you will have to go through the submission of the New PAN Number to your Employer, Banker, or Tax Deductor. 

What happens to Multiple PAN Cards: 

I have seen people having multiple PAN Cards either out of ignorance or to cheat the Income Tax Authorities and Bankers as Credit Reports are generated through PAN Numbers. Now the Government has taken a step in the right direction to get rid of multiple PAN Cards issued to the same Persons as after linking one of your PAN Card with Aadhaar, the other PAN Cards will get automatically canceled and the multiple PAN Cardholder will not be able to get Tax Credits, if any, associated with the other PAN Cards in addition to penalties. 

Still, have any doubts, meet this Expert with a Prior Appointment or Visit Expert Consultants.

PS: We have no association with any Credit Rating agencies like CIBIL, Experian, Equifax, or CRIF High Mark – which are the only Credit Rating Agencies in India

Get Your Credit Report Rectified by Experts

Do you have a bad Credit Report? Has your Bank rejected your loan? Are you finding it difficult to get strangers' accounts removed from your Credit Report? Has your Bank damaged your reputation by reporting the loans as "Settled" or "Written Off"? Consult me for long-lasting solutions to your bad Credit reports. Call or what's app on +919779777311 or meet our Super Experts.

Hello Panchkula and Tricity of Chandigarh Mohali and Panchkula

New Samadhan Kender has been opened to provide a variety of services under one roof. To start with we are providing the following services from the first week of Jan 2022: (Contact for Free Registration. Special Facilities for College Students and Senior Citizens)

Passport Services: To avail of Passport Services, customers are requested to bring the following Documents:

• Address Proof
• Proof of Date of Birth [ Birth Certificate, Matric Certificate ]
• ID Proof
• Scanned Photograph and 3 Passport Size photographs.
• Email ID and Mobile Number.

Pan Card Services: To Get a new Pan Card, customers are requested to bring the following Documents:

• Proof of Date of Birth
• ID Proof, Address Proof.
• Scanned Photograph and 3 Passport Size photographs

LPG Subsidy Linking: To Get your LPG Subsidy linked to your Bank Account, customers are requested to bring the following Documents:

• LPG copy
• Aadhaar Card
• Bank Pass Book

Aadhaar Card Services: To Get your Aadhaar Card Edited, Customers are requested to bring the following Documents:

• For correction in Address: Proof of Address
• For correction in Date of Birth: Proof of Date of Birth
• For correction  in Name:  Proof of correct Spelling

Voter Card Services: To Get your  Voter Card registered online, Customers are requested to bring the following Documents:

• For correction in Address: Proof of Address
• For correction in Date of Birth: Proof of  D.O.B.
• For correction in Name: Proof of correct Spelling
• For New Voter Card Enrollment: All Above Documents and Scanned Photo, Ashaar Card.

Credit Rating for Bank Loans: To Get your Credit Rating Score, Your Pan Card is required, You need Credit Ratings for any type of financial loan. We will also tell you how to get those Loan Accounts removed from Credit Report, which has been paid, compromised by you with the concerned banks. Check your Credit Report to know if any loan is still outstanding even after having been paid by you in the full and final settlement.

Keep all your Documents in Digi Locker: To keep your documents safe in a Digi Locker you need the following:

• Aadhaar Number ( with Mobile Number duly registered). In case your mobile number and email ID is not registered in Aadhaar Card, we will get it done online for you and  Free Digi Locker can be taken from the Government of India for keeping all your important documents like certificates, title deeds, wills, birth, marriage, and death certificate, Pan Number, Passport, etc online secured by Government of India. In future, your Educational Degrees and Certificates in digital and dematerialized form will land directly in your Digi Locker account.
• Your Mobile Number
• Scanned or Physical copies of all the Documents you want to keep safe for Life, You can get a copy duly certified by the Government of India anywhere anytime 24x7x365 you need. We will upload all your documents after scanning.

Payment of Utility Bills: We will pay all your utility bills of service providers who are making their bills available online. Presently in Punjab - these Service Providers provide the facility of making online payments, recharges, and top-ups. In case you forget to make payment of bills on the last date then the internet provides the facility of making payments up to 24:00 midnight and you can save heavy penalties being charged by service providers like Punjab State Power Corporation Ltd. But these services up to midnight will be made available to premium customers and for payments involving a penalty of more than Rs.1000-00.