[Resolved]  M.S.University — Name in Cbil list

I had taken the personal loan in 2004 from countrywide finance, Vadodara, Gujarat. I had already paid all the installment within due date, but they neither issuing no objection certificate nor the closure letter. When I contaced them then they said that your one installment is pending. But infact I had paid all installment to them. However If I would not have paid complete installment then why they had never written any letter till date showing the dues in this regard. About four or five years have passed but they never sent any letter of pending dues. Now I have destroyed all the records to show them because I felt that there is no need of these records now as I have payed all the dues. They have given my name in CIBIL list Please help me in this regard. One thing is also notable they charge haviest interest rate for personal loan which is against the rule of RBI. They charges more than 100 percents as interest on flat rate