Hi! My POF letter has no information about my outstanding debts such as credit card debt, loans etc. with the bank. It is just a balance certificate. However, my statement shows that I am using a credit card from the bank. For credit card, i am attaching credit card transaction history stamped by bank and electronic statement of the card. For loans, I have no proof as bank does not issue liability letter to those whose liabilities are zero. I have never taken any loan from the bank and there are no EMIs drawn from my account as clear in the statement. It is a current account. I will also add an LOE to explain the loan issue, and attach receipts of several visits to different branches of the bank.
WIll this be enough to prove that I have no loans from the bank?
Vikram Nikolett Kalotainé Szundi Karan Chimra
Comments:
Malvika Pandey: Most of the private banks give only this balance certificate . I had the same issue so I attached the email from my bank saying they won’t provide me loan and debt details and sent it to IRCC
Karan Chimra: No need to mention anything abt loan when u don't have any
Just attach POF docs.. Credit card statement.. That's it..
Usman Raza: Anita Mehra i m having the same problem.my bank is not writing this line that " this client has no outstanding debt loans or liability "
I have no credit card, not taken any loan ever.
What should i do ? Is this sentence necessary?
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