[Resolved]  ICICI Bank Home Loans — HARRESSING TO PAY EMI

Hi

This is to inform you that I had taken a loan from ICICI Bank in the year 2001. The loan amount was Rs. 7, 00,000 & was for 5 year duration. It was going all well since the beginning. I had been paying up based on the transaction dates.



One of the times while the loan was still going on I took a top-up loan of Rs. 4,40,000 which was also added to the loan amount that I had been already paying. I continued to pay both these loans & finally the day arrived, Feb 2006, when all the amount that was due to be paid up was over & I had got rid of all the payment.



Next I visited the J.B Nagar branch of ICICI Bank Home Loans, last year to get my house papers back. When I met the staff they told me that there is an EMI not paid up. I was surprised. I called for all the papers & they took time to reconcile the accounts & they somehow showed me an amount for some month, after great jugglery & discussions internally, that was due to be paid. They also asked me bring the supporting of the payment made for that month. I showed them the details in the papers that I was carrying. They said that they will look into the matter & get back to us.



Calls for non-payment began to land on my house no & my mobile. One day a recovery agent also landed up at my residence. My wife had to tell him that I am in office & that they call me up before coming. To this the person said that they are from a recovery agency & they have all the rights to come to us without any prior information. These agents went back but the calls did not stop. Every 5-6 days I get a call for non-payment & I kept telling them that it is due to a fault of the bank & there is nothing outstanding.



I went back to the JB Nagar Branch of ICICI Bank Home Loans after 3-4 months or so I again visited the branch & asked for the papers. They again said that an amount is due for payment. This time they again came up with sheets of paper & again brought up some month-some year for which the amount is not paid. I told them that last time it was a different month for which they had showed an outstanding. They said that this is the final list for which there is an outstanding. I again showed them my papers & showed them clearly the bank statement for that month where it was shown as a debit for the month in the question.



They took a Xerox of my statements & said that they will come back to me in 2 working days.



Time passed by & nothing happened. Calls kept coming & I began to tell them that if they don't stop bullying me I am going to lodge a complaint with Consumer Forum. The frequency of calls reduced & then the calls began to come at say 10 day interval.





After a lot of bouncing here & there I called up their call center on 24th December 2007.



SR 49326466 was raised by them on 24Dec for Non-Receipt of Housing Loan Docs for LHMUM[protected]. There was some lady called Smita/Smirit or someone similar sounding, who claimed to be the floor in charge. She told me that the documents will be couriered to me in 8 working days.



The calls did not stop & the bank has continued to trouble me for payment. The frequency has increased since last one month to around a call every day or every 2 days. Last week in a call when someone called me for the payment, I told that I had raised a Service Request on 24 th Dec & they had told me that I will get the docs in 8 days; she told me the following



THE SR HAS BEEN RAISED THAT I HAVE TO VISIT THE BRANCH FOR MAKING A PAYMENT & NOT FOR RECEIVING THE DOCUMENTS BY COURIER IN 8 DAYS



This is height of every thing. I don't know what to do? Please help me get my house papers back. I ma mentally getting disturbed by the calls being made by the bank every day. I wish they don't land up again to throw my family out to recover something which was NEVER DUE….



PLEASE HELP ME or tell me whom should I approach to get a helping hand & get saved by these troubles.



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Thanks & Regards


Vikas Gupta
Mo: [protected]