[Resolved]  ICICI Bank — LIEN ON SALARY ACCOUNT ON CREDIT CARD PAYMENT

Dear Team, I am writing this mail with a big pain. I am a previledged customer of your bank with Salary Account no:[protected] and Credit Card no:- [protected]. Against my credit card there was no default in payment ( at least on minimum due payment), no cheque bounce till May 2013. Last year,2012 July and Sept I have made two payments against my credit card on HDFC bank. Surprisingly both the cheque has not been presented in my bank for clearance. When I have enquired about this to your customer care they told that there was some wrong entry in the chq so it was not presented, instantly I have paid the amount in cash. Once I have paid through neft transfer but as it was not showing on your system I have paid again by cash and the payemnt on net banking followed by next day. So during that period there was only me who has cooperated with your bank in all the time on payment related issue. Since last December 2012, I have asked for the aforesaid two chqs to return me to clarify about the wrong entry I have done. I have send telephonically reminder repeatedly to your customer care but there was no response from your side. Due to this I have stopped payment since June 2013 and asked for the settlement of my card. Last month I have got call from your loacl ofiice, from Mr.John Xavier[protected] and also some other person([protected]) regarding some payment of 1900/- immediately( but I have told specifically for the settlement ikn 2/3 EMI). Now you have imposed lien on my Salary account on last week without informing me anything. I know you have the authority to do that to show your ledger balance updated. Now my question is that don't you have that much of courtesy to inform me ? If somebody is paying the minimum due amount regularly, without any default then he should be given some information regarding this matter. I will pay the minimum due amount of card of Rs.7580/- tomorrow. Now if I pay the amount,then you are taking 49% interset along with principal amount, after that how that LIEN is realistic ??? Hope I will get a solution from your end. My request is to withdraw the lien amount and then the rest due amount of my card will be paid in EMI. With regards ARUNAVA CHATTERJEE SAVINGS BANK NO:[protected] CREDIT CARD NO:- [protected]. MOBILE:- [protected]