[Resolved]  ICICI Bank — Loan Recovery

ICICI — Loan recovery

I am Manjunath.AM, an ICICI credit card account holder (No XXXX2003) since 2005. I had taken loan of amount Rs. 1.5Lakh,( While giving the loan they created dummy creditcard number in attachment with existing creditcard) and have been paying EMI regularly to the loan account.
Last month I declared to clear the loan amount as per ICICI rules(i.e Paying principle amount plus 3% interest). While repaying I paid loan amount of Rs 1,33118.39 mistakenly to my credit card account(which is verymuch attached to my loan account) instead of loan account which is attached to the credit card.
Later upon contacted by a ICICI customer care representative, I explained the same and following his given directions, I rushed to the nearest ICICI branch to place a request to transfer the amount from credit card account to loan account. The representatives at the branch asked me to place a request online. I dutifully placed the request online. I was confirmed by the customer care representative that there will no late payment fee or interest would be levied.
On Mar 12th 08, I received a statement levying Rs 8515 as interest and late payment charge.
I have been a loyal customer to the bank and have been making all payments on time. It is really unfair on the part of the bank to levy any charge on a payment made before time.
I have completely lost trust in the bank operations. Every time I call the customer care, I get a different picture of the bank policies by the customer care representatives, a result I am still not clear about the bank policies.

Now the customercare people are scaring me that this amount will double every month if you are not paying now.

It has become mental harrasment for me not able to concentarte on my work or anything otherthan resolving this issue.
Please help me to resolve this ,
Thanks
Manjunath

To
The Credit Manager,
ICICI BANK.


Respected Sir,


Sub: Requesting re payment afert one month.

I am Loan holder in our bank. My name is Nallamolu Rambabu, S/o Nallamolu Venkatalakshmi. My Loan Account Num is L9RJY[protected].

Due to some personal financial problem, I will not pay the loan mount On Dated. Sorry for inconvenience . Now I am paying 15, 000/- Rupees
( Fifteen Thousand). Remaining balance I will Pay With in One Month.

Kindly Request for my Application, Please give me the Replay as well as Possible.

Thanking you sir,


Your’s Faithfully,

Nallamolu Rambabu.
L A/c. L9RJY[protected]
Date:[protected]


My Contact:

Nallamolu Rambabu,
S/o Venkatalakshmi,
D.No:2-13/b,
S.T.Rajapuram,
Rajanagaram post,
East Godavari.

Phone num: [protected]

ICICI Bank Credit Card — Harrashment and threat of arresting

Dear Sir
I was having a credit card of ICICI bank I have use some amount Rs 2000 to Rs 3000 in which I have paid them the minimum balance for 2 to three times I have not receved any statement till today from last one year. Iwant to pay the actual amount I have used But they are now claiming Rs20000/-.They are harrasing me over telephone that I am Mr R.l Tomar of Delhi Police and a non bailable warrent is going to be issued against you and you talk to the layer Mr harsh Bardhan Singhinia .When I talk to Mr Singhinia they are telling me You pay Rs 20000/- immediately to bank then I will stop proceddings nagainst you. when I told them that I want to settele the used amount they told that this cant be done .I told them that you are not providing me any statement or any legal notice on reply they are saying the notice has been returned and they are talking in a very abusive langauge what i will do please help me

ICICI Credit Card — harrasing,abusing,scaring us

they r abusing me on phone calls using very dirty language,n scaring me n my family by saying many things.they are forcing us to do payment which is illegel in company terms.

Dear Mamta,

We regret the inconvenience caused.
Please email us with your contact details at [protected]@icicibank.com (Subject line: UID 281248). We'll contact you and work to address your issue.

Regards,
ICICI Customer Service Team.

Hi,

We are sorry to hear about your experience with ICICI Bank. Please send us your contact details at [protected]@icicibank.com and we shall surely get in touch with you soon to resolve the issue.Kindly refer "939631" in the subject line.

Regards,
ICICI Bank Customer Service Team.

Hi,

Are you able to sort out the matter, As I also receive the call from same person and same lady, Still trying to figure out what next step.

I want to draw your kind attention that, yesterday (Friday - 21-Jun-2013) there was a series of incidents as below :

1. A call from a phone number [protected] (Name: Mr. Rajib Shukla, claimed himself as Police officer, Delhi) to my mother at my permanent resident (at West Bengal) and abused her as "Mother of Thief". Mother is a heart patient and was about to be hospitalized.

2. Within very next moment, From same phone number and same person (police officer) called to my brother's office and informed officials as 'this is a call from Delhi police', which caused huge panic in my brother's office and even my brother was interrogated by office HR and Security department.

3. Finally I got call from brother and I did urgently call to the person (Mr. Rajib Shukla), came to know that, he is aggressively searching for me as there is a warrant against me, and asked me to contact Advocate Mr. Gautam ([protected], email id: gautam.[protected]@gmail.com).

4. I again did call Mr. Gautam (Claimed himself as Advocate, Delhi court). He informed, one of my ICICI credit card (number [protected]) has a due of Rs. 76903/-, I have to come down to Delhi court and need to pay this amount within 3 days or I shall be arrested (Case no. 193/09). This did cause huge tension to me and felt completely ill, situation caused almost my heart attack and had to take medical advice and medicine.

5. Now for your information, This card got settled on 27th December 2008. The recovery process was almost the same, and I did pay Rs. 28000/-. That time I got a call and mail from your appointed Advocate of ICICI (as claimed by the person who called me) for settling the due.

6. I did send the same mail to Mr. Gautam, he said it was a cheat with me previously, now I have to pay another lump sum amount to clear the due. I have been bound to be agreed to avoid all such of harassment and threats as above.

As of me, there could have been some softer way, either via phone or via email reminders. I am a gentleman and so my family. I do not have any intention to cheat the Bank. I am not going off anywhere unless this matter is resolved. If it was reminded to me through proper channel (email/phone), I think it could have been resolved long back.

I do not want to be cheated as well any more and let me clear off what ever is the due, but in a proper way so that I get NOC of my dues and as well if any legal bindings are there in reality to be cleared off. Even I do not want to keep any further relation with ICICI in any forms. Its enough of financial transaction with ICICI.

I did mail to ICICI Bank Customer Service Team as well.