[Resolved]  ICICI Bank — sanction of my home loan

Address:

Thane, Maharashtra

Hi Mr.K.V Kamath,
Since last month your so called international bank has rejected my loan and till date not stated valid reason as this is my 1st loan and i am having salary a/c with ICICI BANK...kindly go through the discussion between head quality service on mail send to me.
Hi Jenish,

From the last month I am asking you people why my loan application has been rejected though I am a privilege customer of I-BANK...having my salary account in your bank,CTC of 3.80 lakhs and experience of almost 2 yrs...people with 1 year exp from my firm had been offered loan...why my loan application had been rejected...this is my first loan..i have not taken any loan before in my life and being a customer of ICICI BANK for so long i have every right to ask you...OR ELSE I HAVE TO TAKE LEGAL ACTION AGAINST YOU...
Kindly go through complete mail below and give me clarification.
Its still a request to sanction loan on my name to keep our relation of 2 years intact in future...

And about my husband he is not a defaulter its just a bad phase of life where he became financially week at that period of time which can happen to anybody in this world...now we are two earning people with CTC of 7 lakh p/a jointly and the loan of 15 lakhs(EMI-13500) is possible without a stress ...you people cannot judge a person on the basis of just 1 loan..

I AM ASKING YOU JINESH SHAH... IF YOU HAD LOST A JOB DURING RECESSION AND CANNOT FIND ONE FOR 12 TO 15 MONTHS..HOW U WILL PAY YOUR HOME LOAN? IF YOU ARE THE ONLY EARNING PERSON OF FAMILY WHAT WILL YOU DO?
1)TAKE CARE OF YOUR FAMILY OR
2) PAY EMI OF YOUR HOME LOAN.
and what will you do if a bank tagged you DEFAULTER? You are destroyed as you will not get loan from any financial institution.
if you are not a DEFAULTER...you too like my husband fight for your rights...

My husband is not a criminal to get easy money...HE IS A DEFENCE EMPLOYEE SERVING THE NATION...
WE CANNOT BUY A HOUSE WITHOUT A LOAN.
So kindly understand the problem a common man is facing..

THERE ARE ONLY TWO WAY TO CLEAR CREDIT HISTORY IN CIBIL.
1)to remove his name from CIBIL.
2)Or ICICI BANK(institution who entered the name in CIBIL) should provide him a loan so by paying this loan regularly he can be back on track in his credit history in CIBIL.

Expecting a positive response from you as early as possible cause time is running out of our hands we will be homeless in few days .

Thanks & Regards
Anuradha kazi
[protected]
From: anuradha.[protected]@live.com
To: [protected]@icicibank.com
CC: kamath.[protected]@icicibank.com; chanda.[protected]@icicibank.com; [protected]@rbi.org.in; [protected]@aajtak.com; [protected]@vsnl.net; [protected]@moneycontrol.com; [protected]@zeenetwork.com; [protected]@indiatvnews.com
Subject: RE: 'ICICICARE=[protected]' ICICI BANK LOANS
Date: Mon, 27 Sep 2010 10:13:25 +0530



Hi All,

It has been nearly 3 days that I have not got any response from your side. Kindly reply me as soon as possible.
So that it will be helpful for me to move a step further on this.

Thanks & Regards,
Anuradha Singh

From: anuradha.[protected]@live.com
To: [protected]@icicibank.com
CC: kamath.[protected]@icicibank.com; chanda.[protected]@icicibank.com; [protected]@rbi.org.in; [protected]@aajtak.com; [protected]@vsnl.net; [protected]@moneycontrol.com; [protected]@zeenetwork.com; [protected]@indiatvnews.com
Subject: RE: 'ICICICARE=[protected]' ICICI BANK LOANS
Date: Fri, 24 Sep 2010 00:15:32 +0530

Hi All,

Kindly explain me in detail the points which you have mentioned me.
1 & 4. I am eligible for the loan from any bank including ICICI Bank (I have nearly two years of experience and the salary package of 3.5 lacs p.a. The salary A/C with your bank.).
2 & 3. As I mentioned you earlier I have never taken loan before in my life so kindly clear me the credit facility and past borrowings.
5. Can you give me in writing what is your regulatory and statutory provisions?

If not sanctioned the loan on my name then I have to take a legal action against this.


Dear Media,

Need you intervention to help me out from this... Now I paid the initial amount for my flat and also did the registration and now i am suffering to get a loan...
Please help me as Banking ombudsman is not taking this seriously after keeping her in loop there is no use.

i hope you will understand the concern.

Thanks & Regards,
Anuradha Singh

Date: Thu, 23 Sep 2010 20:08:00 +0530
From: [protected]@icicibank.com
Subject: RE:'ICICICARE=[protected]' ICICI BANK LOANS
To: anuradha.[protected]@LIVE.COM

Dear Mrs. Kazi,

We acknowledge receipt of your e-mail of September 23, 2010 addressed to Mr. Kamath K.V regarding your Home Loan Account LBMUM[protected] and New Loan Application.

We wish to inform you that Bank has evaluated the loan application on following aspects:

1. Eligibility criteria of ICICI Bank
2. Viability of proposed purposes of the credit facility
3. Past borrowings of the applicants
4. Prior experience of the applicant in respect of the proposed purposes
5. Regulatory and statutory provisions governing ICICI Bank

Based on the above and the information provided by you, we are unable to offer you a loan. However, please note that our inability to offer you a loan does not in anyway reflect on your credit worthiness.

Sincerely,

Ashish Joshi

Office of Head Service Quality



CONFIDENTIALITY INFORMATION AND DISCLAIMER
This e-mail message may contain confidential, proprietary or legally privileged information. The e-mail should not be accessed by anyone who is not the original intended recipient. If you have received this message erroneously, please delete it immediately and notify the sender. E-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, alteration, destruction, etc. Before opening any attachments, please check them for viruses and defects. The notice appended to our e-mails is not intended to prejudice the interests of our customers in any manner or to evade our responsibility for any act of omission or commission done with the endorsement of ICICI Bank Limited





From: anu kazi [mailto:anuradha.[protected]@live.com]
Sent: Thursday, September 23, 2010 12:14 PM
To: HEADSERVICEQUALITY /RCSG/IBANK/BKC
Cc: [protected]@rbi.org.in; Kamath K. V. /CORPORATE/IBANK/BKC; Chanda Kochhar /CORP/IBANK/BKC; Aswini Gouda /MPARG/IBANK/GHTK
Subject: RE: 'ICICICARE=[protected]' ICICI BANK LOANS

Hi All,

Kindly let me know the reason that why my loan(ref no.[protected]) is not being sanctioned yet? Eventhough I am the privileged customer of the so called "ICICI Bank" from the start of my career. This was my very first loan which I wanted to take from your bank but you people are telling that I cannot take loan. Only the reason stated to me is that my husband had failed to pay EMI'S on time. But remember he has not defaulted you people and the other stated reason is the eligibility criteria. On the other side, I am the main applicant and not my husband. If you want then you can trace the past bank statements and see I was not at all having minimum balance then Rs.10000/-.On the basis of my salary i am eligible for atleast 14 lakhs.Is this the way to treat your privileged customer who is having not 1 but 2 salary account with the ICICI BANK from the past 19 months.

I have seen around that your bank has provided the loan for the people having only one year of experience. Then why I am not getting the loan?
Eventhough I have not defaulted then also I not getting loan from your bank.

That means you people are treating me as a defaulter.

Kindly look into this issue seriously and revert me back as soon as possible cause i will be homeless within a week.

Thanks & Regards,
Anuradha
[protected]
Date: Thu, 9 Sep 2010 19:33:59 +0530
From: [protected]@icicibank.com
Subject: RE:'ICICICARE=[protected]' ICICI BANK LOANS
To: ravish.[protected]@live.com
CC: anuradha.[protected]@live.com

Dear Mr. Kazi,

We acknowledge receipt of your e-mail of September 8, 2010 addressed to Mr. Kamath K.V regarding your Home Loan Account LBMUM[protected] and New Loan Application.

The complaint has been registered vide Service Reference Number SR[protected].

We understand that you have the following complaint :

a. Clarifications regarding the CIBIL records
b. Processing of loan application.

We are looking into the request and will revert to you on or before September 30, 2010.

Sincerely,

Ashish Joshi

Office of Head Service Quality



CONFIDENTIALITY INFORMATION AND DISCLAIMER
This e-mail message may contain confidential, proprietary or legally privileged information. The e-mail should not be accessed by anyone who is not the original intended recipient. If you have received this message erroneously, please delete it immediately and notify the sender. E-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, alteration, destruction, etc. Before opening any attachments, please check them for viruses and defects. The notice appended to our e-mails is not intended to prejudice the interests of our customers in any manner or to evade our responsibility for any act of omission or commission done with the endorsement of ICICI Bank Limited






From: Ravish Kazi [mailto:ravish.[protected]@live.com]
Sent: Wednesday, September 08, 2010 10:36 PM
To: head.[protected]@icicibank.com
Cc: Kamath K. V. /CORPORATE/IBANK/BKC; Chanda Kochhar /CORP/IBANK/BKC
Subject: Imp: Query for my name in CBill and sanction of another home loan.
Importance: High

Hello,

I was ICICI Bank home loan customer(LAN No:LBMUM[protected]). I have already paid my pending loan amount within 5 years which I had taken for 20 years. The date on which I had paid the loan amount is 08/07/2010.

To my shock when my wife applied for a home loan(Ref No:[protected] on 04/09/2010, with me as a co-applicant I came to know that my name still exists in CBill. Even though I have already cleared my dues. This was not expected from such a prestigious bank like ICICI BANK. We are genuine customer of ICICI Bank. The details of accounts in ICICI Bank are as follows:
1. A/C No:[protected]. Branch: Infosys Pune, Ph-2. Banking since 09/02/2009. Status: Salary account.
2. A/C No:[protected]. Branch: Vikhroli(W). Banking since 20/08/2010. Status: Salary account.

I had few queries:
1. If I had paid my loan then why my name still exists in CBill?
2. Being just a co-applicant why my wife's home loan is not being sanctioned yet?
3. My wife has salary account then why you are not considering that and taking time for sanctioning the loan?

Firstly, I want a strict action for my name in CBill. It should be removed as soon as possible because I have cleared the dues.
Secondly, I need an assurance that when my wife's home loan will be sanctioned as going through past banking records of her.
Kindly sanction my wife's home loan as we have registered the flat as per the instructions given by your executive.
Kindly intimate me the action taken by you through mail as soon as possible.

Regards,
Ravish Kazi.