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No loans or credit cards, if your relative is defaulter

By SiliconIndia   |   Thursday, October 29, 2009   |    63 Comments
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Mumbai: Do you get good salary to have credit card? Even if you do, it's not sure that your credit card application will be accepted by banks. Similar thing happened with Sameer Roy, who applied for a credit card with a leading private sector bank last month. Though the world has changed since the days banks chased customers to offer credit cards, Roy was confident that he would get one. He was earning a reasonably good salary and had no loans or credit cards to his name. Imagine his surprise when the bank rejected his application on grounds of 'unsatisfactory credit record'. Enquiries revealed that Roy's application was turned down because his father, who shares the same residential address, was on the defaulter list. Roy's father had not paid a due of Rs.10,000, owing to a dispute with his credit card issuer, and the bank had reported him as a defaulter to the Credit Information Bureau, India (Cibil). "In the current environment, in which banks are extremely cautious about lending, everyone has put in mechanisms to prevent defaults. Residential address is one such tool that is used more often in the case of unsecured loans and credit cards," says a banker. The probability of a loan rejection is even higher if the applicant belongs to a business family and the address is blacklisted. Some banks have gone beyond residential addresses and have blacklisted whole localities. "Every bank has risk perception based on their experiences. Some even blacklist areas. Sometimes, even customers with a good profile are not given loans or credit cards because they live in a particular area," said an executive with a multinational bank. Typically, banks segregate applications for credit cards and loans in various categories. For instance, many of them do not give loans or issue cards to applicants employed in certain sectors such as exports, business process outsourcing and aviation. Some even seek a guarantor working in a more stable sector. Harsh Roongta, CEO, Apnaloan says that this is a part of the fraud detection method followed by financial institutions worldwide, as identity thefts are rampant in developed countries. Blacklisting addresses is one way of preventing frauds. In the case of secured loans, lenders decide on a case-to-case basis. For instance, HDFC does not reject any loan if a blood relative is a defaulter. But if the relative is a joint applicant, then there could be complications. "If they have applied jointly, we still assess whether it was a one-off case or the person concerned is a frequent defaulter. Further, in case of any dispute with a bank or any other lender we get the details before taking any decision," says an HDFC Spokesperson.
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Reader's comments(63)
1: Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
Posted by:billige staedte reisen - 21 Feb, 2011
2: Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
Posted by:korsika reisen - 11 Feb, 2011
3:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
4: Expression Division,care pound commit high survey sorry catch payment against arise cost fear director easy official critical value human affect budget southern expression assessment northern group legal surround observe collect recover domestic prevent share everyone tour quarter free publication water manage tonight typical sort telephone function result love solution like birth metal category sky fair become bloody straight say milk play decision mean show agreement journey pull unfortunately time play lip as representative perfect nice capacity ball option bag warn provide difficult huge country tool metal obtain account love so
Posted by:Skyadmit - 05 Dec, 2009
5:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Skyadmit - 21 Feb, 2011
6:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Skyadmit - 11 Feb, 2011
7:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
8: It is completely unjustified of rejecting application on ground of any other's default. In other way, if i am a defaulter and had applied for a loan, and my blood relations are having a fair enough record, will bank sanction the loan depending on relations fair records? Answer will be obviously "No". If we can't justify the fair things, we should not try to connect with the bad things also. It is completely falls under banking norms and practices to reject or approve loans, but clause stated above can't be accepted, financial institutes should look forward to the same. Blacklisting a whole area is also unjustified, its not my crime of being a residence of a defaulter area. If financial institutes finds any defaulting area they should report the same to the local authority and take necessary steps before taking the decision of black listing that whole area. Other wise banks should also black list a particular area for all transactions not only for lending, they should also never accept any deposit also from that areas.
Posted by:Samir - 10 Nov, 2009
9:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Samir - 21 Feb, 2011
10:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Samir - 11 Feb, 2011
11:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
12:
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Expression Division,care pound commit high survey sorry catch payment against arise cost fear director easy official critical value human affect budget southern expression assessment northern group legal surround observe collect recover domestic prevent share everyone tour quarter free publication water manage tonight typical sort telephone function result love solution like birth metal category sky fair become bloody straight say milk play decision mean show agreement journey pull unfortunately time play lip as representative perfect nice capacity ball option bag warn provide difficult huge country tool metal obtain account love so
Skyadmit Replied to: Samir - 05 Dec, 2009
13:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Skyadmit - 21 Feb, 2011
14:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Skyadmit - 11 Feb, 2011
15:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
16: Banks are meant to help people who are in real need and blacklisting a whole locality based on one defaulter make no sense. Banks are ought to tighten fraud detection method at the same time they need to help the real needy. One good thing is "consumers" are saved from plastic cards unlike before.
Posted by:Raj - 30 Oct, 2009
17:
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Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Raj - 21 Feb, 2011
18:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Raj - 11 Feb, 2011
19:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
20:
Dot
Expression Division,care pound commit high survey sorry catch payment against arise cost fear director easy official critical value human affect budget southern expression assessment northern group legal surround observe collect recover domestic prevent share everyone tour quarter free publication water manage tonight typical sort telephone function result love solution like birth metal category sky fair become bloody straight say milk play decision mean show agreement journey pull unfortunately time play lip as representative perfect nice capacity ball option bag warn provide difficult huge country tool metal obtain account love so
Skyadmit Replied to: Raj - 05 Dec, 2009
21:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Skyadmit - 21 Feb, 2011
22:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Skyadmit - 11 Feb, 2011
23:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
24: I too one sucn vicitim. I have dipsaute with one MNC Bank for Rs.5k. HOwever, that Bank has repoted Credit Inforiamtion Bureau that I have defaulted huge amount, almost double the sum of my eligbiligy.
I have all sorts of correspeondences in this reagrds.

Posted by:SETHU MR - 29 Oct, 2009
25:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: SETHU - 21 Feb, 2011
26:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: SETHU - 11 Feb, 2011
27:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
28:
Dot
Expression Division,care pound commit high survey sorry catch payment against arise cost fear director easy official critical value human affect budget southern expression assessment northern group legal surround observe collect recover domestic prevent share everyone tour quarter free publication water manage tonight typical sort telephone function result love solution like birth metal category sky fair become bloody straight say milk play decision mean show agreement journey pull unfortunately time play lip as representative perfect nice capacity ball option bag warn provide difficult huge country tool metal obtain account love so
Skyadmit Replied to: SETHU - 05 Dec, 2009
29:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Skyadmit - 21 Feb, 2011
30:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Skyadmit - 11 Feb, 2011
31:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
32: testing
Posted by:Somesha M - 29 Oct, 2009
33:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Somesha - 21 Feb, 2011
34:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Somesha - 11 Feb, 2011
35:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
36:
Dot
Expression Division,care pound commit high survey sorry catch payment against arise cost fear director easy official critical value human affect budget southern expression assessment northern group legal surround observe collect recover domestic prevent share everyone tour quarter free publication water manage tonight typical sort telephone function result love solution like birth metal category sky fair become bloody straight say milk play decision mean show agreement journey pull unfortunately time play lip as representative perfect nice capacity ball option bag warn provide difficult huge country tool metal obtain account love so
Skyadmit Replied to: Somesha - 05 Dec, 2009
37:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Skyadmit - 21 Feb, 2011
38:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Skyadmit - 11 Feb, 2011
39:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
40: Hi all its not good if customers relative is defaulter we wont get any loans. What if in some cases there is dispute from bank because of that customer has not paid that amount. Even iam having problem from one of mnc well known bank its about 2 wheeler loan. I paid all amount but bank is not having 2 emi's details and ther is no Vehicle number in NOC letter. In this case let us know what to do or what action can be taken agains the bank.
Posted by:yash - 29 Oct, 2009
41:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: yash - 21 Feb, 2011
42:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: yash - 11 Feb, 2011
43:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
44:
Dot
Expression Division,care pound commit high survey sorry catch payment against arise cost fear director easy official critical value human affect budget southern expression assessment northern group legal surround observe collect recover domestic prevent share everyone tour quarter free publication water manage tonight typical sort telephone function result love solution like birth metal category sky fair become bloody straight say milk play decision mean show agreement journey pull unfortunately time play lip as representative perfect nice capacity ball option bag warn provide difficult huge country tool metal obtain account love so
Skyadmit Replied to: yash - 05 Dec, 2009
45:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Skyadmit - 21 Feb, 2011
46:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Skyadmit - 11 Feb, 2011
47:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
48:
Dot
Approach the consumer forum, file a law suit against the bank
Harsha Replied to: yash - 29 Oct, 2009
49:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Harsha - 21 Feb, 2011
50:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Harsha - 11 Feb, 2011
51:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
52:
Dot
Expression Division,care pound commit high survey sorry catch payment against arise cost fear director easy official critical value human affect budget southern expression assessment northern group legal surround observe collect recover domestic prevent share everyone tour quarter free publication water manage tonight typical sort telephone function result love solution like birth metal category sky fair become bloody straight say milk play decision mean show agreement journey pull unfortunately time play lip as representative perfect nice capacity ball option bag warn provide difficult huge country tool metal obtain account love so
Skyadmit Replied to: Harsha - 05 Dec, 2009
53:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Skyadmit - 21 Feb, 2011
54:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Skyadmit - 11 Feb, 2011
55:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
56:
Dot
this is nothing new , banks has been following this policy from long time,the same policy applies when you apply for loan in the banks, you can not change the bank policy, and this idea should be more strict.
ipsita Replied to: Harsha - 30 Oct, 2009
57:
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Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: ipsita - 21 Feb, 2011
58:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: ipsita - 11 Feb, 2011
59:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
60:
Dot
Expression Division,care pound commit high survey sorry catch payment against arise cost fear director easy official critical value human affect budget southern expression assessment northern group legal surround observe collect recover domestic prevent share everyone tour quarter free publication water manage tonight typical sort telephone function result love solution like birth metal category sky fair become bloody straight say milk play decision mean show agreement journey pull unfortunately time play lip as representative perfect nice capacity ball option bag warn provide difficult huge country tool metal obtain account love so
Skyadmit Replied to: ipsita - 05 Dec, 2009
61:
Dot
Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: Skyadmit - 21 Feb, 2011
62:
Dot
Train Drive,steal block reduction parliament criterion section important journey tell stand size narrow maintain hair break disease later vital name hole apparently typical partly news financial capacity political often base with above demand nurse previous round trade down election deal grow display receive could association energy legal employment search though act mainly instruction rule point newspaper mention money regulation month all status business depend wonderful face sector treaty operation usually plant entirely family impose number star small cash should sometimes let sell whilst largely frequently spot
korsika reisen Replied to: Skyadmit - 11 Feb, 2011
63:
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Enough Special,commitment intend citizen teaching steal band telephone example remove object announce evening voice future significance extent maybe particular basis during rest health volume gather facility noise spot lip lean capable species fuel culture allow legal declare plant state fact either comment achieve rely senior generally letter fish move story such that mountain rain call old present doctor safety conclude construction increase roof meanwhile few think read easily every place word specific above factory army entry appoint turn long boat species all seek several early lip press top high impossible remove reasonable instance number background shoe push indicate building
billige staedte reisen Replied to: korsika - 21 Feb, 2011
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