[Resolved]  ICICI Amex Credit Card — Notice sent as a defaulter

Saturday, March 22, 2008


To,
Mr.Ravi Kini
M.V.Kini & Co.
Mumbai



Sub: Notice issued for card payments due.

Dear Mr. Kini

I have received a notice from your firm for recovery on my icici amex card (MVK/ICICI/DLN/9668/2008). I am deeply grieved by this and would like to bring to your notice a few facts which you should have been aware of before issuing a notice with such content to me.

1) I do owe the Credit card Company some dues which I have used to make purchases or expenses which I have never denied. My card was suspended without informing me when the limit was crossed some time back. I had then called the company and intimated them that I had not received the statement due to which the payment was delayed.
2) I then made a payment of Rs.15, 000/- against an outstanding of Rs. 40, 000 something just to clear the earlier outstanding and to have the card reactivated. In spite of making this payment I was then intimated that the outstanding amount will have to be settled and cleared as they will not be issuing a new card to me at any cost.
3) I was then told by the customer care executive that they will have someone call me and settle the card amount and clear the entire outstanding to which I agreed. I have not received a single call, letter, mail or any communication from the said company till date for the same.
4) In fact in all the time that I have had this card I have not received a single phone call or letter to intimate me even the status of my card or if my card payment was late or overdue as is the norm with any finance company, so your point no 2 is absolutely false and demeaning to me.
5) I am surprised that I had to be sent a legal notice when I thought that the matter was closed from my end and I had agreed to clear the outstanding amount with their representative 6 months back.
6) Please have someone call me with amount due and mail me the account so I can clear the same as soon as possible. Since the company did not bother to even call me or speak to me before it sent me a legal notice I have decided not to pay any interest or penalties due thereafter as I had intimated them my desire to clear the outstanding and close the account permanently in September itself.
7) I am sure that now that you are aware of the facts you will make your client understand the system error that they have made and correct the same to the satisfaction of everyone involved. As told to me earlier I will again wait for someone to call me and do the due process of settlement of dues.
8) As I have written before I am making it clear again that I am not at fault and you have been totally misinformed by the credit card company. Check the records and get me even a single phone call, mail or reminder made by ICICI Amex to me and me intentionally ignoring the same and I will clear the entire due amount with any other penalty that you feel I should pay else just take the principal amount due and close this affair forever. I have personally checked the records with ICICI customer care and the conversation is on record in the month of September 2007.
9) I have a car loan, mediclaim, life insurance policy from ICIC Lombard which I am not going to renew plus mail this letter to all the concerned people and forums so that you all do lose some good customers.

I will be looking forward to your reply or the company’s reply to this sincere request from my end.


Thanking you,
Yours truly,

Manish Gawde
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