[Resolved]  ICICI Bank — personal loan payment even after preclosed

Address:

Chennai, Tamil Nadu

Dear Sir/Madam,
I had taken a personal loan 2 years back against my ICICI bank credit card ([protected]) for Rs 80,000 for a period of 36 months. After paying 26 EMI I planned to pre close my loan. So I called the ICICI Bank customer care to know how much was the balance amount to be paid to preclose and paid Rs 30,500 on[protected] and requested them to foreclose my account. Surprisingly following month also I got statement saying I have outstanding amount for which I called customer care so many times, who told me to ignore this saying this is a norm & formality sending statements till my 36th month EMI period. I kept quiet because my personal loan account which was linked to my net banking account was removed promptly. After almost a year now I’ve been getting calls to pay Rs9167 outstanding amount and recently now they blocked that amount in my savings account without even intimating. When I called the customer care they are saying I didn’t preclose my loan and I had some balance amount after I paid 30,500Rs.I was furious and argued with them but no use. How will I have some balance amount when fore-closure balance amount was calculated by their people and I’d already paid that. I’ve already discussed this with my uncle who is a consumer lawyer and he is very strong about this case on the basis of deficiency in service, mental agony and fraudulence. I am collecting details of people who had similar kind of problems with this bank to bring it to the limelight of our powerful media for the sake of common people not to be cheated like this anymore in the future. I would like to get your point of view regarding any additional help or suggestions,pls mail me to pal.[protected]@hotmail.com. Thank You.