Directly debit my Savings Account for false Credit Card charges - ICICI Credit Card
The below mentioned mail was sent to ICICI Bank from my personal email on the date mentioned. After that I have send them few other mails, but in vain.
Till date nobody even bothered to contact me. Your guidance on the same is highly solicited.
Date: May 29, 2006
Respected Sir / Madam
This has reference to your letter dated 19th April, 2006, Ref. IB/04/844, which states that my savings account no. 000701058651 has been debited for Rs. 6, 600.00 on 19th April, 2006.
Whatever the relevant terms and conditions is set out in the Card Member Agreement, I highly abide by it. Actually I was not aware of these Terms and Conditions. While issuing the Credit Card nobody highlights these terms and conditions. Anyway that’s a different story and lets come to the facts.
It all started way back in 3rd Sept 2003. I had issued a Cheque No 517300, for an amount of Rs. 15, 488.68 from my ICICI savings account, Connaught Place Branch, New Delhi. I dropped the Cheque in the Drop Box in Rajouri Garden Branch on the 4th Sept 2003. But the same Cheque was produced in my account on 24th Sept 2003. The problem started from there.
Actually in my Statement dated August 28, 2003, for the period July 29, 2003 – August 28, 2003, for the Card No. 4477463531873004, the total amount reflecting was Rs. 16298.68. There was an Annual Charge of Rs. 750.00 and Service Tax Incurred Debit of Rs. 60.00. I deducted this amount of Rs. 810.00 and issued the Cheque.
I just need few explanations from your side. When it was told to me that I would have a Lifetime Free Credit Card, why was I charged for the same? Secondly, when it was chargeable, how was the same waived off in my next statement? This is as far as the charges are concerned.
Above all, the reason why I held up the so-called payments was that when I dropped the Cheque on 4th Sept 2003, why was it produced on the 24th Sept, 2003. When I contacted your Customer Care Executive, they told me that they havn’t received my Cheque. Where was the Cheque in between these days? When I went to your Rajouri Garden Branch, I was told from the records in their Computer, that on 5th Sept 2003, the Collection Boy had collected the Cheque. Who is to be blamed or penalized for the same? I took up the matter to your Customer care Executives (namely Shiela, Padmini & Shalini), but they could not assist me neither I had any idea of how to go about it. Actually, I had no written proof or any authentic seal & stamp from the bank regarding the dates, because it was dropped in the drop box. But I would like to confirm you one thing that your Rajouri Garden Branch people should me the records in their Computer.
From there onwards, I used to make payments for only the amount spend by me and not the other charges. The amount that you lien marked in my savings account is not the amount spent by me on the card. It is only the charges.
Then one fine day, I got the address of your Office in Delhi. Let me clear one thing that whenever I asked your Customer Care Executives about your Office address in Delhi, they used to tell me that they don’t have any in Delhi. I still don’t know why they refused to give me the address. I went to your Office in Videocon Tower, Jhandewalan, New Delhi on the 4th April, 2004. I went to the 9th Floor and met Ms. Adeeba Khan and gave her a request letter for the above-mentioned problem and also handed over my cancelled credit Card No. 4477463531873004 and the Add On Card No. 4477463531873103. She promised me to resolve the matter, but promises are made to be broken and nothing was done.
Then on 12th April 2006, my savings account was lien marked for an amount of Rs. 8, 710.58. I was not aware of these facts. I went to your Office in Jhandewalan, 2nd Floor and there I met Mr. Rajesh Kumar Ram on the 13th April 2006. Nothing was done but I got a sort of threatening from him, because he is in the Recovery Division. I requested and pleaded him, but he showed his power and Rs. 6, 600.00. On the 15th again, I met Mr. Vinod and Mr. Tulsi Prasad, both from Recovery, as Mr. Ram was not available.
Now since you have already debited my Savings Account for an amount of Rs. 6, 600.00, I would request you to look into the matter. Firstly, whether the Cheque was collected on the date mentioned i.e. 4th Sept 2003, secondly why was it produced on the 24th Sept 2003?
I am just requesting you to look into the matter because I have already made the payments. It is not only a matter of money; it is a matter of ethics.
If nothing can be done from your side then please guide me that whether I should approach the Reserve Bank of India or Consumer Court.
I shall be highly obliged if you kindly resolve the matter at the earliest and help me out.