I had take a personal loan some time back. On regular payments I was offered an additional loan subject to the original loan term being reset to its original tenure which will ensure that the EMI for both the loans will not be more than the original loan tenure. After following up the case with HSBC for a period of 2 years plus I find that they have marked my status as written off in my CIBIL report. Now after 2 years I find regular calls being made by the bank (earlier for settlement and now for regularisation of the loan) but nothing is being given in writing. Also the amount that they are stating is way beyond my current financial means. What are the options available to me and how do I ensure that my CIBIL score will be settled if I do manage to clear the amounts.
