{"id":319060,"date":"2024-04-01T14:30:23","date_gmt":"2024-04-01T09:00:23","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=319060"},"modified":"2024-04-05T16:48:03","modified_gmt":"2024-04-05T11:18:03","slug":"kerala-hc-credit-rating-updated-three-weeks-legal-news","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2024\/04\/01\/kerala-hc-credit-rating-updated-three-weeks-legal-news\/","title":{"rendered":"[Unresolved credit score complaint] Read how Kerala HC came to rescue borrower\u2019s right to updated CIBIL Score on closure of loan account and no subsisting loan"},"content":{"rendered":"<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\"><span style=\"font-weight: bold;\">Kerala High Court:<\/span> In a writ petition praying to direct Trans Union Cibil Limited (&#8216;TUCL&#8217;) to restore the credit rating of the petitioner to the levels entitled, since he had paid off his loan amount,Devan Ramachandran, J. gave necessary directions for such restoration.<\/p>\n<p style=\"margin-bottom: 3%;\">Aggrieved by the fact that despite the petitioner paying off the loan that he had availed from Canara Bank, TUCL continued to show his credit rating as low.<\/p>\n<p style=\"margin-bottom: 3%;\">TUCL submitted that the question in hand was pending for instructions with the Canara Bank.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court directed the TUCL to immediately advert to all the reports made by Canara Bank on the online portal and to make a decision on the credit rating of the petitioner within a period of three weeks from the receipt of copy of this judgment.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court said that TUCL has the liberty to requisition from Canara Bank, and under such circumstances, the time frame of three weeks will stand extended by a period of one month.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court reaffirmed that TUCL shall ensure that the requisite credit rating is given to the petitioner and reflected on the online portal within the afore time frames.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court also said that it is not entering into the request of the petitioner to direct the Banking Ombudsman, but this option might be required to be taken up in case the abovesaid directions are not adhered by.<\/p>\n<p style=\"margin-bottom: 3%;\">[<span style=\"font-weight: bold; color: #632423;\">K Venugopal Nair v. Manager, Canara Bank, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/6JL0I489\" target=\"_blank\" rel=\"noopener\">2024 SCC OnLine Ker 1452<\/a>, Decided on: 18-03-2024<\/span>]<\/p>\n<hr\/>\n<p>Advocates who appeared in this case :<\/p>\n<p style=\"margin-left: 18pt;\"><span style=\"font-weight: bold;\">For the Petitioner:<\/span> Advocate Syam J. Sam, Advocate Meera Babu<\/p>\n<p style=\"margin-left: 18pt;\"><span style=\"font-weight: bold;\">For the Respondents:<\/span> Advocate C. Ajith Kumar, Advocate M. Gopikrishnan Nambiar, Standing Counsel Mathews J. Nedumpara<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"font-style: italic;\">The petitioner sought a direction to the Trans Union Cibil Limited to update the credit score on closure of his loan account with Canara Bank.<\/p>\n","protected":false},"author":67011,"featured_media":316393,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,10],"tags":[42724,58084,67046,52103,51025,56971,67045,67044,67047,67043],"class_list":["post-319060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-highcourts","tag-canara-bank","tag-cibil-score","tag-credit-rating","tag-credit-rating-agencies","tag-kerala-hc","tag-loan-facility","tag-loan-fulfilment","tag-trans-union-cibil-limited","tag-update-credit-rating","tag-updated-credit-score"],"yoast_head":"<!-- This site is optimized 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are tomorrow&#8217;s nation builders\u2019; Kerala High Court against rejection of Education Loan due to low CIBIL Score","author":"Ridhi","date":"June 1, 2023","format":false,"excerpt":"Kerala High Court favoured the student petitioner and said that \u201cBanks may be hyper technical, but a court of law cannot ignore the ground realities.\u201d","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Kerala High Court","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-764.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-764.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-764.png?resize=525%2C300&ssl=1 1.5x, 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Ker HC deciphers","author":"Bhumika Indulia","date":"May 23, 2022","format":false,"excerpt":"Kerala High Court: In a case wherein, due to low CIBIL Score education loan was denied, N. Nagaresh, J., directed for reconsideration of loan applications, disregarding the low Credit Score of the co-obligants. Petitioners were aggrieved by the denial of the education loan in the present case. The 2nd respondent\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/Kerloan.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/Kerloan.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/Kerloan.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/Kerloan.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2022\/05\/Kerloan.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":353121,"url":"https:\/\/www.scconline.com\/blog\/post\/2025\/07\/11\/mad-hc-poor-cibil-score-ground-to-cancel-banks-appointment\/","url_meta":{"origin":319060,"position":2},"title":"Can poor CIBIL score, and poor history of loan repayment be grounds for cancellation of bank\u2019s appointment? Madras HC answers","author":"Niyati","date":"July 11, 2025","format":false,"excerpt":"There must be efficiency in handling public money and obviously a person with poor\/ or no financial discipline cannot be trusted with public money.","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"poor CIBIL score bank appointment","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/poor-CIBIL-score-bank-appointment.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/poor-CIBIL-score-bank-appointment.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/poor-CIBIL-score-bank-appointment.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/poor-CIBIL-score-bank-appointment.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":217454,"url":"https:\/\/www.scconline.com\/blog\/post\/2019\/07\/30\/ker-hc-inspite-of-jurisdictional-inhibitions-court-granted-limited-lenitude-in-favor-of-the-defaulter-petitioner-bank-was-directed-to-return-possession-of-the-house-in-case-of-unpaid-loan\/","url_meta":{"origin":319060,"position":3},"title":"Ker HC | Inspite of jurisdictional inhibitions, Court granted limited lenitude in favor of defaulter petitioner; Bank directed to return possession of house, in case of unpaid loan","author":"Bhumika Indulia","date":"July 30, 2019","format":false,"excerpt":"Kerala High Court: Devan Ramachandran, J. entertained the instant writ petition filed in lieu of the judgment which the petitioner did not comply with, hence, the bank had took the physical possession of the residential property. The case of the petitioner was that the respondent-bank took the possession of the\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":232879,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/07\/27\/kar-hc-writ-of-mandamus-filed-against-canara-bank-in-respect-of-deferment-of-payments-for-locs-issued-by-bank-rejected\/","url_meta":{"origin":319060,"position":4},"title":"Kar HC | Writ of Mandamus filed against Canara Bank in respect of deferment of payments for LoCs issued by Bank rejected","author":"Editor","date":"July 27, 2020","format":false,"excerpt":"Karnataka High Court: P.S. Dinesh Kumar, J. ordered against the petitioner who filed the Writ of Mandamus against Canara Bank in deferment of payment of Letters of Credit issued by the Bank at petitioner\u2019s request in the light of Pandemic situation prevailing due to the COVID-19. Petitioner was in the\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":288038,"url":"https:\/\/www.scconline.com\/blog\/post\/2023\/03\/28\/bank-cannot-retain-security-documents-after-closure-of-home-loan-kerala-hc-legal-research-legal-news-updates\/","url_meta":{"origin":319060,"position":5},"title":"Unilateral action of bank withholding security documents is illegal and arbitrary: Kerala High Court","author":"Editor","date":"March 28, 2023","format":false,"excerpt":"Kerala High Court held that once loan is repaid, the bank is not entitled to withhold the title deed merely on the grounds that the petitioner has transferred the property during the subsistence of mortgage.","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Kerala High Court","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-764.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-764.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-764.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/03\/MicrosoftTeams-image-764.png?resize=700%2C400&ssl=1 2x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/319060","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/67011"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=319060"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/319060\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media\/316393"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=319060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=319060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=319060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}