ICICI Bank — Even duo i approached icici bank people many time for settlement of credit card. Issued me notice (Regn. No.: kar/244/2000)

Address:	Bangalore, Karnataka, 560085
Website:	www.icicibank.com

Sub: - Even duo I approached ICICI Bank people many time for settlement of credit card. ICICI Bank blocked my only active saving account as lien balance. Issued me notice (Regn. No.: KAR/244/2000) and came to my home and made scene.
Dear Sir,
This is the classical example of how an ICICI Bank person harasses, torture, humiliate and make a scan in front of neighbors. I did not understand why or what is the need of doing all this things or showing me what ICICI Bank can do??? When I am ready for settlement. I am calling ICICI Bank from last 4 month for the same.
Sir, it was the month of Oct 2015 when I noticed that my interest part itself is near to 3000 in bill statement. Looking at it I thought if I continue in same way I will near be able to close the credit card bill. I decided to call the call center and ask for help to close the credit card. So I called call center and asked for help to close the credit card. I said as interest part itself is near to 3000 and I can't pay 3000 for interest only so please make a settlement and convert it to EMI of small amount so that I will be able to close the credit card. I said I do not want to use credit card any more so block it permanently. I feared if it is not blocked permanently I will start using it again. I said until it is converted into EMI I will not make any payment farther. I got no response from ICICI Bank in this regard. I did not pay the bill for next month.
As I did not made any payment next month I started getting call from ICICI Bank. I got more than 2 to 4 calls every day, it was torturing me. But for every call I putted same request and asked than to convert it into EMI. I spoke to more than 20 people in that calls and I was feeling that I was humiliated indirectly by this people as my request was same for every buddy. I have recorded few of this call. As I got no response from them I call ICICI Bank call center again on 14/12/2016 and again putted the request and request No is SR[protected] I have recorded the whole conversation. Please find the conversation in attachment. Now the interest and penalty itself was coming to around 5000. I got no response from ICICI Bank. On 24/12/2016 I put a complete on https://www.consumercomplaints.in and subject was Request to convert outstanding amount to EMI but bank calling torturing, humiliating and coming to my home. I got same response from ICICI Bank after putting complete in https://www.consumercomplaints.in
I the month of Jan 2016 I started gating calls form ICICI Bank for settlement but they did not give me clean settlement option. They gave me 2 options. 1) Pay 10000 to 15000 per month and settle it in next 6 to 10 months and 2) They will convert minimum amount due into EMI for 6 to 10 month and rest I should pay as credit card bill. Both the option was unfair to me. First option of paying 10000 to 15000 per month, I can't save that mach of money for next 6 to 10 month, my income is not so high. In second option minimum amount is 30000. Converting it into 6 month of EMI each EMI will be at lest of 5000 and minimum bill amount for credit card will be around 3000 total it will come around 8000 per month. I cannot save 8000 per month also. In second option credit card will not be blocked permanently also and I fear I will start using credit card again if it is not block permanently.

On 3rd of Feb 2016 they blocked my only active saving account as lien account and I was not able to withdraw any amount from ICICI Bank. This is the only active saving account I have with me. Any income I get will go to this account only. As I am not able to withdraw from this account I cannot meet my monthly expanses also like food and other basic need. I had the borrow money from my friend and relative and I have become the center of joker for them. It is most humiliating in life to borrow money for basic need. On 12th Feb 2016 ICICI Bank person came to my house and made a scene and said to pay the full amount or partial amount. How can I pay any amount if I cannot withdraw from bank? How can I pay if they do not give me fear settlement? ICICI Bank sent court notice to me and notice No is KAR/244/2000. I did not understand what ICICI Bank will get by doing this entire thing. Dose ICICI Bank enjoy harasses, torture, humiliate and make a scan in front of neighbors. I have a sample 3 condition. 1) Please remove this lien balance from my saving account, so that I can withdraw amount for my monthly expanses, 2) Convert total outstanding amount into EMI of more than 36 month or around 3000 per month. 3) Block the credit card permanently so that I am not able to use it in future. Below are the details.
Name: - AMARNATH M R, CONTACT NO: - XXXXXX7488, EMAIL ID: - [protected]@yahoo.co.in, CREDIT CARD NO. XXXX XXXX XXXX 1017, BANK: - ICICI BANK, SAVING ACCOUNT NO: - XXXXXXXX6889. BRANCH: - COMMISSARIAT ROAD, CITY: - BANGALORE. ICICI Bank person contact no. Shivakumar R V –[protected], AVINASH SINHA –[protected]. Ravi is the person of Aavinash sinha how came to my house and made a scene.