ICICI Bank Complaints & Reviews

Sir,
I am an ICICI Bank account holder. My account number is[protected]. When I opened the account I was told that I can use any bank`s ATM without paying any ATM charges. So whenever I used any other banks ATM, ICICI Bank charged some ATM charge but at the end of each quarter they reversed the ATM charges subject to maintenance of a minimum balance of Rs. 10000.
Now every quarter I got back all my ATM charges back until the quarter of September-December 2007. During this quarter ICICI bank did not reverse my ATM charges and this continued till the month of August 2008. Before this on all previous occasions my ATM charges were reversed.
When I met the bank manager in Gandhinagar branch he asked me to file a written complaint. So on 13th August 2008 I wrote a written complaint about the non-reversal of my ATM charges. The bank authorities of the bank mentioned that one needs to convert to a freedom account for availing the ATM charges reversals and that my account was not a FREEDOM ACCOUNT. I applied for making my account freedom account on 13th August 2008 but despite of applying on 13th August 2008, I was again charged ATM charges on the following dates:
Rs. 20 on 16/07/2008
Rs. 20 on 21/07/2008
Rs. 20 on 26/07/2008
Many weeks passed by and no action was being taken. I visited bank branch at Gandhinagar and took my complaint number which was 77632718.
After this I sent several messages to ICICI bank quoting my complaint number and finally on 15/11/2008 some ATM charges were reversed. But when I checked with my bank statement there were a large number of ATM transactions for which the amount was still not reversed. So I wrote another mail (complaint number SR[protected] stating that still many ATM charges were not reversed. I also stated the range of dates where ATM charges were not reversed.
ICICI bank again reversed some of the ATM charges on 18/11/2008 but after checking my bank statement still many ATM charges not reversed.
After that I have again sent several mails (3 in total) stating the precise dates on which the charges have not yet been paid up but ICICI Bank is not responding to mails.
ICICI still has not reversed the ATM charges on the following dates:
28/01/2008 Rs.22
23/01/2008 Rs.67
01/03/2008 Rs.67
29/04/2008 Rs.20
03/05/2008 Rs.20
10/05/2008 Rs.20
31/05/2008 Rs.20

On many of these I have carried out 2 or 3 atm withdrawals in the same date ICICI has reversed 1 out of 2 or 2 out of 3 but left out one transaction for reversal.

It is a matter of great negligence and carelessness on the part of ICICI bank. To get a sum of money that belongs to me I have to write so much, complaint so many times, cross check and find that still some amount is pending. Also so much time is wasted in doing so, ICICI bank should ideally return my money with interest associated with the money along with my expenses on complaining again and again about their negligence.
A fine should be levied on ICICI bank and a thorough check should be done by other ICICI Bank Account holders to see if ICICI bank is not defaulting with them also.
All of this prompts me to take a legal action against ICICI bank along with closure of my bank account. I have lost faith in the bank.
I would be very grateful to you if you can help me to get back my money from ICICI bank. I also appeal to you to talk strict action against the bank authorities responsible for these faults.

Thanking You
Arjun Singh
E-105; Men’s HOR;
DA-IICT
Near Indroda Circle
Gandhinagar-382007
Mobile:[protected]
Account Number:[protected]

I received a call from ICICI first saying that i have been sanctioned a sum of 25 Lakhs without the need to produce any document and i can avail them in the next 6 months. Then i had some clarifications where a lady from number[protected] called up and explained me about the laon and the EMI process. When I asked her document that can say that I have been sanctioned fo a loan without document that she claied earlier, started saying that it was just only through word of mouth. Mean while i asked her to give me some co ordinates of ICICI here in Banglore which she refused and explained saying that she will call me when ever i give her a time.Finally I came to know that it was from some call center and not from ICICI. "Beware of behalf of ICICI ". If this type of call goes on then many will be in the trap.

The call seems to be fictious.IF any ICICI official happens to read this you can reach me at [protected].

LETTER TO ALL @ ICICI:

I am completely APALLED at the pathetic customer service by your call centre. I am the CEO of Helios Outsourcing and am fully aware of the service levels that is expected in a call centre of your nature and the service I receive is simply no where in comparison. Your staff are rude, impolite and downright unprofessional. More than banking, they need to be taught basic professional etiquette and politeness.

I called your customer service number at exactly 1908hrs today and after entering my credit card number I was directed to a young man who is a typical example of the poor service your call centre exhibits. He couldn't communicate clearly in English and kept passing rude and offhand remarks that bore no relevance to my issue. After changing my card's address two and a half years ago, I was surprised to find a credit card delivered to my previous address which could have been misused or stolen. All I wanted to know is how and why was the previous address used to which the guy I spoke to was not interested in answering. And to top it off, when I asked him for his name, he transfers me back to the main menu!!! You can imagine my frustration.

I am sure you can easily identify who answered my call by checking your system and you can even listen to the voice recording from your dialer. Please do and please ensure the agent is immediately terminated because if I wasnt in the call centre business, I would have stopped banking with ICICI immediately. Some ACTION PLEASE!

And hey - my turnover with ICICI's credit card is over Rs. 10, 00, 000 in the last few years.

I have imint card issued by icici bank & it is claim by that it's India's largest point sysytem.
My Card No is : [protected].

I place two order, no is : 46483 & 46487 on 27th Oct but neither gift is received not point has been tranfer to A/C.I have made various query but only pretext mail comes from bank & imint customer care.
prior to this I have place order no 36046 on 24th Sept same was also not delivered & but luckily point was transfer to my A/C.

& when I am making query to customer care they are saying that address is not correct.I have already received one gift for order no : 48883 dated 5th Nov.2008.
I would like ask following question to bank from this forum

1.)When one order is already received on given address then how come address for other gift can be wrong.
2.) Why Bank or Imint card div doesn't inform customer waybill no of dispatch when they have mobile no & maild id in there recored. Mail ID & phone no both use by them only sending useless Adv mail.
3.) Why there customer no is not Toll Free, for every call/query we have to pay & bank is no bothered to provide any solution Why?

Pls answer ICICI Bank.I am ur Customer & I have not ask for any imint card it is you who have issued this card so u have to give answer.

Regards,

Birendra Behura

I have issue imint card for point accumlated in my icici bank credit card my imint card no is [protected].

on 27th Nov, I placed order online in imintpoints website order No : 46482 & 46487 but neither Gift has received not point has been transfer to my A/C.

I also made query & written several mail oly pretext mail is coming from bank that contact imint point customer care.

prior to this I have place same order on 24th Sept order No : 36046, same was also not delivered & point was transfer to my A/C on 17th Oct- 2008.

When I ask for reason for not getting delivery they said address is not correct,
I am asking three question two bank from this forum :
1.) When I am getting credit card bill on same address & also received Gift for order No 48883, then how come address is not correct.?
2.) Why bank or imint card div don't send intimation regarding dispatch of gift on mobile no & mail, when they have both in there record, & useless(Adv.) mail or sms always comes on mobile & mail .
both.
3.) imint customer care doesn't have local no & for every query I have to made call to there STD nos, for that I have to pay extra buck which bank don't realise.
So, Can bank will provide answer for the same.

i had icici credit card no [protected].in month of apr 07, there started the probelm of billing of tata tele visa bill. i told them that i donot have tata no and i am wrongly billed. but to no awail. i requested them no of times at there helpline.but couldnot get reply/i told them to settle the account, but they least bothered. at last they had freezed my salary account. please guide me what to do in future.

I am sharad kumar raghuvansh have my saving account number :[protected] in sigra branch varanasi . There is transaction problem as the record on[protected] access the DLW ATM machine had problem in card reading, so I accessed the ATM of SBI which was nearby in Sunderpur there the machine regretted for transaction for the amount of Rs.6000.00 but the message came on my mobile(# [protected]) the amount had beed debitted. Then I talked to the local ATM engineer he told it will be recovered within three hours and did got creditted but on the other day[protected].But today on[protected] once again message came that got debitted from my account against the same amount(Rs.6000.00) of that withdrawal reversal on[protected].

So, I hope I am very much clear in explaining my problem.Now, should I run around your bank to solve my problem or should you people must contact and clarify before creating such mishappenings.

Too many problems are there in their ATM like : defective card readers, no statment print-outs or most of the times no cash.
Taken Mr. Sharukh Khan to gain their confidence Or should ICICI win customers' trust by improving their service and provide care for their valuable customers as image has already been tarnished in the market.

Hi, I have an ICICI Bank Credit card, and was due to make a payment on 3rd September 2008. I dropped a cheque for the entire amount at one of the ATM drop box on 1st September, 2008. However, the amount was not debited by the 3rd of September 2008. Finally on 13th September 2008, the money was debited from my S/B Account, but to my disguist, ICICI charged me Rs. 300/- plus taxes for the internal errors caused by ICICI themselves, for the late payment. I immediately called the ICICI customer care in Bangalore and was told by one of the executives that I had to make a cheque payment at least one week in advance of the due date henceforth, or else late charges would be applied. I checked up with the terms and conditions and found no such rule in the ICICI Credit card usage terms and conditions. Would the ICICI bank officials be polite enough to interpret such rules to their customer. I also advise other customers sincerely never to use ICICI bank credit cards. Regards.

I was failed to deposit the amount in OCT 2008 due to latency of ICICI executive. And now they are giving min 10 calls per day since 4 days even while i m engege in taking classes despite on first call i assure him that i will make payment in next week but they are regulery making calls and threatning me with very shrud behavior. Although im mam a very good track record. One more thing I would like to say thta despite making payments the my account every month increasing.
Kindly look into the matter.
Thanks

I have a saving account in icici bank, used the debit card for cash withdrawal on[protected] and it could not process the transaction as the regret message came on the ATM machine but I received their message that the amount had been debited on my mobile which was shocking. I had talked to the local ATM machine engineer he told it will be credited within three hours and it did but on the next day as the "creditted amount-- info:NFS* WDLRVSL*[protected]" . Now, today on[protected] message on my mobile came that once again they have debitted my amount against the recovery of dated[protected].Now this is HARASSMENT no clarification or conversation just taking your own money away,
This is very unprofessional approach from their side and it is very much unfortunate to have account in such type of bank. Against this kind of harrasment will it be not right to close my account from this kind of bank which frequently has problems like card reading and transaction always fails in ATM. Whenever their is emergency they dont have money in their nearby ATM machines . May be icici is unable to handle their customers properly that is why they have taken the support of Mr. Sharukh Khan in their advertisement. Is this the way the will gain confidence ? or by taking proper care of their customers ?
Though I will still waiting for their necessary action to be taken only for 48 hrs. to make my next move against this bank.

I, Harjit Singh Guglana have Credit Card of ICICI BANK NO.[protected] against which all the payments were made intime. Due to an oversight a payment of Rs.349.00 was not made intime. I received a call on 25.05.2005 from the call centre of the ICICI Bank and discussed the matter with Ms. Shipra Tele Coder who was insisting me to pay the dues, and after finalising the issue Ms. Shipra has sent an representative named Shri Ajay Verma who has come to me with " Cardmember Dispute Form" in which all the details were mentioned and in principal Ms. Shipra was agreed that after making payment of Rs.285.00 nothing will be due from you. An receeipt No.CC[protected] was issued to me by Shri Ajay Verma for which i issued a Cheque No.589502 dated 25.05.2005 drawn on Punjab & Sind Bank, Kirti Nagar, New Delhi for Rs.285.00, he assured that a final receipt will be sent in due course. After the lapse of many months i have not received the receipt from the bank. Suddenly i use to recei eve the calls from the ICICI Customer Care that you pay a huge amount to ICICI Bank against which every months i have been charged a hafty interst / unusal charges, finally i have been issued a letter No.229/(1176)/ICICI/Card/RE/WA/Apr.18, 2006 dated 18.04.2006 through Speed Post in which i have been informed that you have to pay Rs.11884.00 within 15 days from the receipt of this letter otherwise to initiate appropriate legal proceedings (civil and criminal). But suddenly I have received a call from the Tilak Nagar Police Station on 24.04.2006 that they have received a Non-bailable Warrants against me and you will be arrested forthwith. On request i have been given an hour to sort out the matter for which i have been given the Name of the Advocate Varinder Sahi with the Telephone No.[protected] to talk and finalise the matter. After that i have immediately talked to Advocate Varinder Sahi on the given No.[protected], he told to me that you can be spared only on the condition if deposit the amount of Rs.11884.00 in the bank and send the receipt through Fax . As on 24.04.2006 i was busy in my office doing day to day work and as threatened by the Police I was shocked that how my day to day work will be done if they arrest me. Also on talking to Advocate Varinder Sahi on No.[protected], I explained the position that I have already made all the dues to the bank then why this legal procedings, he informed that once the order of Non bailable Warrant issued nothing can be done, if something is wrong the payment made by you will be refunded within 48 Hours, and he has given his address of Delhi High Court as Chamber No.50 in which i may come with all the documents. On his assurance I have deposited the amount of Rs.11885.00 with the ICICI Bank, Rajouri Garden and a receipt of the same was faxed on the given number[protected] which was confirmed by the Advocate Varinder Sahi on the Mobile No.[protected]. Again he assured that Mr Singh you need not be worried if there is any over payment it will be refunded within 48 Hours. The same assurance was also given to one of my friend Shri Ranvir Kumar who was present in my Office on 25.04.2006 and Advocate Varinder Sahi has called me in the Court on the very next day on or before 5 P.M.. But after visiting we both ( myself & Shri Ranvir Kumar) shocked to know that in the High Court No Chamber No.50 exits. After that as & when I call the given number always a message is being recd that " services to this number is temporary on hold" In this case i request you Sir, that please do something for me as i have been harrased by the Bank as also by Advocate Varinder Sahi.


In the context of the above please help me to do the needful. My contact No. is [protected] (M). My E-mail id is [protected]@rediffmail.com.

Harjit Singh Guglana

Name: Dr.R.RajeshProduct: Credit CardAccount No: [protected]Application No: E-mail address: [protected]@yahoo.co.inMobile no: [protected] Telephone no: +[protected] Service Request(SR) No:SR58404372Details of complaint: Sir, my complaint for my credit card [protected] ( card reissued) previous card no [protected] . I have made a complaint regarding charge back of my amount of Rs 4400 and the complaint no is SR 58404372 on[protected]. I made a fax to the charge back dept on[protected].I also made courier to the chargeback dept on[protected].But I never got any reply from them. Now I have been charged unnecessarily for the transcations I never made.

Dear Sir / Madam,

Urgent Request.

I have an ICICI Platinum Credit Card and i took loan on it of Rs 80, 000 on the reducing rate of interest. I informed ICICI local office as well as the Bombay office also to print my bill folio on the date 21st of the month so i will get due to the next month till 10th.As i am salaried person and my salary is credited into my
account till 08th.Bank is not taking any interest on the above matter hence charging late fees every month.

I am paying my interest on regular basis with the late fees. If bank is not going to action on my above query, I will stop paying the amount and please waive off the late fees which bank already charged.

I do not want to go for all this nonsence.As i have good relation with other banks.

I would like to request you to action on my above query and revert on my personal mail (aryan.[protected]@hotmail.com)
and also call me on my mentioned mobile number [protected].

My card no. is [protected]

Kindly consider the above matter on high priority.

Thanks & Regards,
Amit Agarwal

Dear Sir/Madam,
AWB No.[protected] will reach you within 7 days was a message on my cell no. [protected].
About 5-6 days back on elbee representative asked me whether I was at home to which I replied that I had already left for the day.
He asked me whether I would be there at 6 p.m. and I replied that may be slightly late. Then he said that next day I would be there at 12 noon to which I again said that even my would would not be available but she would be there around 5 - 6 p.m.
Your person has not left any "Missed You" "Sorry missed you" etc which normally is done.
He has returned the card without visiting my place even once. He deserved to be sacked for not doing his duty honestly. I recommend very strong action so that your service levels improve.

Re: ICICI BANK -Fixed Deposit #[protected] dt. 15 May 2007
Through my internet banking account I applied for issue of FD. I hold a saving bank account with ICICI BANK sector- 27 Noida (Which has now shifted to sector -50).
The FD receipt was couriered to me last year which I never received. The bank never informed me about the same.
On maturity of FD (14th June 2008)- when I asked the customer care of the bank to credit the maturity amount to my saving bank- I was asked to visit the home branch in sector-50 Noida. When I visited the branch ?it said that this FD was not issued by this branch so you have to visit Rajnagar ?Ghaziabad Branch which at great distance from my residence.
On close scrutiny I find below problems-
1. The FD must have been issued by the same branch if it was instructed through internet banking through saving bank account. It was not done.
2. At the time of opening of FD ?it was instructed to link the same with saving account so that on maturity it is credited to the saving account-It was not done
3. If the courier was returned ?the branch from where it was sent ?they did not inform me about the same, here, my address & mobile number remain the same & I am getting all the other communication from the bank at same. The bank never took pain to inform the same.
4. I had to spent INR 200 on petrol to first visit the sector-50 Noida Branch & then Rajnagar-Ghaziabad INR 300 & wasted time.
5. I received the maturity amount after 90 days ( on 17th September instead of 14th June) on the amount which must have incurred interest if put to the same bank as FD. They did not paid any damage on account of above failures.

Please read from first email (Right from the bottom)

Thanks!!!



Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Monday, November 17, 2008 11:51 AM
To: 'Mark DavidMarketingWings HO'; anand.[protected]@icicibank.com; 'ICICI Bank Customer Care'; 'Customer Care'
Cc: 'MARK WINGS'
Subject: RE: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear ICICI,
Subject: Letter from District Legal Services Authority Bangalore City; heading as “NOTICE”
Reference: Pre-litigation case No. 133559 / 2008

Subject: Outstanding amount of Rs. 80, 099; due towards payment of credit card bearing no. [protected]

I wish to have whoever the goons, from ICICI trying to pressurize me into paying, please wake up and read from the first email below why I am refusing to pay, why I have been saying that ICICI only knows how to pressurize people to pay, never wants to be accountable for any bad services, never takes blame for distress, incapacitated working means, undue harassments, non-reverts from ICICI managers, causing mental torture and harm, extremely poor and sub-standard services.

ICICI is the worst bank in the world and to this I swear…

Read below to understand how bad the ICICI service has been; for how long I have been requesting this bank to resolve matters; how much lies and falsities have been made to me; how terrible the ICICI managers have been; how many times I have been made to wait, waste money and I have been put through such hardships because of ICICI. (This is a fraction of the emails that I have been sending as I needed to reduce the density of the mail)… AND for God’s sake please read from the first email.

I have been threatened and harassed but I will not pay ICICI…
It is ICICI who has to pay me – PERIOD!!!

Please note:
The letter has mentioned that I have to meet someone at the Lok Adalat, Nyaya Dhegula. Now this letter I received only today (Handed over by my sister), and hence cannot keep my appointment.
ICICI you are free to proceed in any way as I am clear that I will publicize the terrible harm caused by the bank and I will fight you till the end…
ICICI has to pay me – period!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Thursday, November 13, 2008 11:04 AM
To: 'anand.[protected]@icicibank.com'
Subject: FW: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Please read from the first email below…


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Thursday, November 13, 2008 11:01 AM
To: '[protected]@timesgroup.com'; 'ICICI Bank Customer Care'; 'Customer Care'
Cc: '[protected]@yahoo.com'
Subject: FW: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!


Hi My Dear Collection Goon “Anand” from ICICI Bank,

Thank you for your threatening call just now; but…

Please read all the mails and STOP HARRASSING me…
ICICI has to pay me…

As usual the collection GOON had no idea of what the issues were!!!

Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Saturday, November 08, 2008 9:51 AM
To: 'Mark DavidMarketingWings HO'; 'Infinity Account Manager'; [protected]@timesgroup.com; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Damn you ICICI Bank and curses to you forever…
Again I get a bill; again I get sms’es; AND, just now a telecaller calls me for payments…
Please do not harass me when you have to pay me…

READ below and stop threatening me and harassing me as I will then be forced to lodge a police complaint…

Times please help!!!

ICICI please pay me my compensation now!!!

Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Thursday, October 30, 2008 11:53 AM
To: 'Mark DavidMarketingWings HO'; 'Infinity Account Manager'; [protected]@timesgroup.com; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

ICICI, where is my compensation???


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Tuesday, October 28, 2008 1:13 PM
To: 'Mark DavidMarketingWings HO'; 'Infinity Account Manager'; [protected]@timesgroup.com; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Hi ICICI Customer Care,

ICICI is the worst bank and it is true…
I just received a bill again (Dated 22/10/2008) for Rs. 80, 099.99

As usual I must remind ICICI that I have to get compensated and I am not paying…
Read below and see how bad ICICI is really is…



Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Monday, October 20, 2008 7:55 AM
To: 'Mark DavidMarketingWings HO'; 'Infinity Account Manager'; [protected]@timesgroup.com; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Where is my compensation?????


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Saturday, October 18, 2008 11:29 AM
To: 'Mark DavidMarketingWings HO'; 'Infinity Account Manager'; [protected]@timesgroup.com; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Hi John,

Your deadline is long DEAD and gone beyond LINES!!!
I told you from the start that you seemed just like every other of the 12+ managers who only talk about resolving, handling, advocating, taking things further and all that kind of JAZZ..

BUT, in the end the fact remains, “ICICI is the worst bank I have dealt with till date”

Lease note that, I am still waiting compensation…!!!

Please do revert vide email only!!!

Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Wednesday, October 15, 2008 7:37 AM
To: 'Mark DavidMarketingWings HO'; 'Infinity Account Manager'; [protected]@timesgroup.com; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear John / ICICI / The whole world,

Refer email below…

Like I have always said; for the past 7 – 8 months, that ICICI is never interested in resolving issues, the recent discussions with you documented blow proves this once again…
It is past the 14th October and now well past 1200 hrs and there has been no email on the issue…

I guess I will have to wait for my compensation, right????
BUT, ICICI always is very prompt in its charging over dues, late payment fees, false extra charges…
ICICI Is great at getting now more than 12 managers call and threaten for payments (Not to mention that none of them had any idea of the issues); then having a customer wait for 5 – 6 of them, who said that they will meet and not even show up…

ICICI just pay me my compensation and don’t expect me to pay for such terrible service and a product…
1. please do not have your sub standard legal department call me
2. please do not have any of your phone banking officials call me
3. please stop sending me repeated sms’es
4. please stop sending me your bills
5. please, just pay up!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Thursday, October 09, 2008 11:09 AM
To: 'Mark DavidMarketingWings HO'; 'Infinity Account Manager'; [protected]@timesgroup.com; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear John Victor,

This is to document telecon discussions with you today…

1. I completely explained the sub-standard service from ICICI Bank
2. You sounded apologetic; which is appreciated
3. I re-iterated my stance…
a. I have to be compensated
b. I will not be paying any money to ICICI Bank
c. I will continue to voice these apathies until a suitable compensation is released to me

4. You said that you will revert in writing within 5 days (i.e. On / Before the 14th of October 2008 @ 1200 hrs)

Thanks you!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Tuesday, October 07, 2008 7:58 AM
To: 'Infinity Account Manager'; '[protected]@timesgroup.com'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

My Dear John Victor,

The calling part is not the issue at all…
I have been contacted by 11 managers of ICICI and none have even the slightest idea of the apathies…
I have been mailing and sharing the apathies to an extent where I have reached a point of belief, “THAT ICICI is the worst bank”…
AND, this is a fact…

I have waited for many managers who said they will meet me and none have turned up…

My number, if not responded, means I may have been in a meeting… BUT, I always return calls dear…

Points that you should keep in mind…
1. Can’t you send an sms??? Like the ones you send when payments are due!!!
2. Can’t you keep trying to reach me…??? Like all the 11 managers have done!!!
3. Is a waiting period of more than 7 months a suitable time line to solve problems and issues??? OR is it customary that you pressurize for so long (Hoping people will pay) and then try and resolve????
4. Do you even imagine I would pay for such terrible service????
5. My office address is mentioned below along with my contact data and I start work at 0800 hrs…
6. I often go on Client consulting meetings so I have always requested to call and visit… BUT, please do not do what the 5 other rock-star ICICI managers have done… That is, to keep me waiting and don’t turn up…

I WANT TO BE COMPENSATED – period!!!
I WILL NOT PAY ICICI anymore – period!!!
I DON’T WANT YOUR BILLS, SMSes, MAILERS, POINTS etc – I want my compensation – Period!!!

AND, until this is done I will fight for my rights; making everyone aware of the sorry state of affairs…

Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Infinity Account Manager [mailto:[protected]@icicibank.com]
Sent: Monday, October 06, 2008 5:34 PM
To: [protected]@wings-promos.com
Subject: RE:'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear Mr. Varghese,

We tried calling your mobile number [protected]. However, mentioned mobile is not responded.

Further, we request you to confirm preferable time to contact you to resolve the issue raised by you.

Looking forward to your co-operation in helping us serve you better.


Sincerely,

John Victor
Customer Service Manager
ICICI Bank Limited

CONFIDENTIALITY INFORMATION AND DISCLAIMER

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


-----Original Message-----
From: Invalid Customer
Date: Friday, October 03, 2008 07:46 AM
To: Mark DavidMarketingWings HO" <[protected]@wings-promos.com>, (ERNSTANDYOUNG /PhBG/IBANK/ANDH" <[protected]@icicibank.com)
Cc: [protected]@yahoo.com ([protected]@yahoo.com)
Subject: RE: RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Again another ICICI female manager calls me and asks me for money…
Money, money, money is all ICICI is ever talking about…
BUT, I am talking about ICICI paying me compensation, paying me compensation, paying me compensation…
From me there will be no more money and I hope the worst bank in the world realizes this!!!

AND, not to put too finer a point on the fact that, the ICICI manager had absolutely no clue about the whole apathy…
So my dear ICICI bank if you think I will buckle under your pressure, then please think again…
I hope you realize that each mail is BCC’ed to a different friend of mine…
I hope that you realize I will not sit quiet and accept any bank trying to bully its way to money while not being accountable for pathetic service…

So with that note, I hope that ICICI pays up!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Saturday, September 27, 2008 5:21 PM
To: 'Mark DavidMarketingWings HO'; 'Ernstandyoung'; 'ICICI Bank Customer Care'; 'Customer Care'
Cc: [protected]@yahoo.com
Subject: RE: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear ICICI Bank,

Are you dumb or what????
How many times have I said that, I will not PAY even a single rupee and that it is ICICI who has to compensate me….????
Are you a stupid and dumb bank OR do you think like others I will simply buckle under pressure and pay????

Damn you man just pay me and remember that ICICI is the worst bank in the world…

PS:
I received another stupid ICICI bill dated 22/9/2008 and flushed it down the toilet!!!
Stop sending me bills; stop harassing me by making your clueless managers call me…
Rather read mails below, understand, learn then compensate me…

BCC: guys can you believe the ways of this so called MNC bank???? Now you know why you should not be dealing with ICICI, don’t you…

Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Sunday, September 14, 2008 7:35 AM
To: 'Ernstandyoung'; 'ICICI Bank Customer Care'; 'Customer Care'
Cc: '[protected]@yahoo.com'
Subject: RE: 'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear Tulsi,

This I have atleast 30 times over…
Please stop asking me to pay and do stuff…
I have already done what you are asking of me…
Please seek ICICI’s compensation to me and for heaven’s sake READ the emails below (AND, this is just a portion of them; to keep the email less dense)

Don’t ask me for payments…
Stop getting collection goons of your bank to keep calling and harassing me…
Stop sending me bills (Save paper for a change)…
Stop sending me sms’es…
These do not matter to me but rather drives me to file a police complaint against the bank…

First compensate me for the terrible service; apathies and stress caused; mental torture caused; time and effort wasted…

AND, please have someone meet with me who has knowledge on the apathies caused to me…

I have been spoken to now by 9 managers and all only seek money…
All said they would meet me; but meant I was kept waiting with nobody turning up…
ICICI is the worst bank in the country!!! Period!!!

I will not pay!!!
BCC: Guys can you believe this!!! What did I tell you about ICICI… No wonder people commit suicide dealing with this bank!!!

Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Ernstandyoung [mailto:[protected]@icicibank.com]
Sent: Saturday, September 13, 2008 4:16 PM
To: [protected]@wings-promos.com
Subject: RE:'ICICICARE=[protected]' RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear Mr. Verghese,

For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com

We request you to confirm us regarding settlement of your credit card account to assist further.


Sincerely,

Tulsi Sirivella
Customer Service Officer
ICICI Bank Limited

"ICICI Bank has launched 'Read to Lead' - an initiative to educate 1, 00, 000 children. To know more about this initiative, please visit www.icicibank.com"

Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking>Cards>>Credit Card>>View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.

Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com

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

-----Original Message-----
From: Invalid Customer
Date: Saturday, September 13, 2008 01:09 PM
To: Mark DavidMarketingWings HO" <[protected]@wings-promos.com>, (ICICI Bank Customer Care" <customer.[protected]@ICICIBANK.COM)
Subject: RE: RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Please tell the ICICI collection goons to stop calling and harassing me…
I want my compensation and not your stupid calls and bills and sms’es…


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Saturday, September 06, 2008 1:13 PM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; avinash.[protected]@icicibank.com; [protected]@yahoo.com; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Hello ICICI,

Please respond and give me my compensation now…

1. Stop sending bills and wasting paper (Save the environment please)
2. Stop asking your managers who have no knowledge of the issues to keep calling me
3. Stop sending me sms’es about bills dispatched

Thanks!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Saturday, August 30, 2008 3:25 PM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; avinash.[protected]@icicibank.com; [protected]@yahoo.com; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear ICICI,

I HAVE TO E COMPENSATED and I do not have to pay ICICI…. Listen ICICI… Please Listen… AND, don’t try your pressure tactics….

Again I get a bill (Dated 22/8/2008)…
I have told the sub-service-oriented bank ICICI so many times that I am now tired of this harassment..
The emails have now assumed file sizes that do not even transmit successfully; it’s that many times that I have been harassed by ICICI…
9 managers now have called me and fixed meeting schedules with me; kept me waiting and none of them have showed up…

It has reached a point where I am stating beyond an ounce f doubt that ICICI is the most unprofessional and disgusting bank in the country…

I am leaving only the emails that matter below with a view to keep down…
BUT, please make note that I will not pay even Rs. 1 to ICICI…
Not just that, but rather I’m expecting ICICI to pay me compensation for such bad, sub-standard and incomprehensibly low service provided…

ICICI Bank you are the absolute pits…
ICICI is only god at harassment, pressuring and cheating customers…. No wonder people have committed suicide when they dealt with ICICI!!!

Oh and by the way none of the 9 managers who called me had any idea of what the issues were… Isn’t that a joke by itself…. Well one of them said that his job was only to collect and not bother about the issue… Way to go ICICI… That’s one for mankind!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Monday, August 11, 2008 10:51 AM
To: 'ICICI Bank Customer Care'; 'avinash.[protected]@icicibank.com'; '[protected]@yahoo.com'; 'Customer Care'
Subject: FW: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Hi Gajendra,

As per discussions, please read carefully and then talk to me…
Read from the first email…


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Thursday, August 07, 2008 10:44 AM
To: 'Mark DavidMarketingWings HO'; [protected]@icicibank.com; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

As I told you Ravi Kumar, every other of the previous 6 managers who have called me and said they would meet me, have never turned up…
Now you’re the seventh one…
What a joker bank and organization ICICI is!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Wednesday, August 06, 2008 3:51 PM
To: '[protected]@icicibank.com'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: FW: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

FYI…


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Tuesday, August 05, 2008 11:56 AM
To: 'shivank'; 'ICICI Bank Customer Care'; 'Customer Care'
Cc: '[protected]@yahoo.com'
Subject: FW: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

ICICI where is my compensation????
No need for your BILLS, I want my compensation now…


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Saturday, August 02, 2008 12:09 PM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'; 'shivank'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear ICICI,

Ref: Another ICICI Bill dated 22/7/2008 for Rs. 70, 267. 80

I think ICICI is losing it…
I have been sending mails and you don’t respond in accordance with the same…
ICICI needs to pay me and not vice versa…
Why are you sending me bills…
Stop it and I do not and will not pay but rather expect ICICI to pay me for all the terrible service deliverables and credit loss to me…

You are pushing me to make this public and file a police complaint…

- 8 managers have called me but none of them have any idea of the sad state of the way ICICI has performed (In my case)
- 6 managers out of the 8 have said hat they will come and meet me… Well its 2 months sine the first one called and till now no-one has come

I AM NOT PAYING ICICI period!!!
Read mails below to realize why…


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Monday, July 07, 2008 12:32 PM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear ICICI,

I have just received another bill and now I am losing my patience here…
Ref: Bill dated 21st June 2008
Amount ICICI is claiming is Rs. 66, 508 . 58

Please read below emails and note that ICICI owes me and no one in ICICI has even the slightest inclination to resolve my issues…
ICICI is only good at cheating customers; scaring them; harassing them and trying to bully them to pay…
ICICI does not care about solving issues; not bothered to be accountable for absolute pathetic service etc…
ICICI is the worst bank ever!!!

AND, to this I swear!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Friday, July 04, 2008 12:10 PM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Where is my compensation?????


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Friday, June 27, 2008 9:45 AM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Where is my compensation???
ICICI are you trying to avoid paying up????
For me this amounts to ROBBERY and CHEATING but I suppose for ICICI, it is a WAY OF LIFE!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Wednesday, June 25, 2008 8:26 AM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

ICICI please stop your collection agents from calling and harassing me…
Please pay me my compensation first…

Thanks!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Monday, June 23, 2008 8:33 AM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Once again a collection agent for ICICI called me having no clue to my grievances and the entire apathy created and sustained by this absolutely non-accountable ICICI Bank…
Well he asked me to visit Bommanahalli branch like it was he doing me a favour…
I told him I had already visited that office and had had enough of the trauma to even consider visiting again…
He said that, he would send someone to meet me on the 21st June 2008 within 1 hour…
Needless to say, he was extremely rude and abusive and I guess that’s the ICIC way (I hope they don’t expect customers to commit suicide and buckle all the time???)

Anyways, I waited for 4 hours in my office and no one came…

So I left for home…

All I can say is that ICICI thinks they can cheat, swindle, offer sub-standard service; harass customers; create trauma; abuse customers and then harass them, hoping to get undue monies… Sorry, but ICICI has to pay me…
So where is my compensation?????


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Friday, June 20, 2008 9:32 AM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Again some collection agent for ICICI; calling from mobile number [protected] harassed me for payments…
Having no idea of the apathies he used foul language and was forcing me to pay…

ICICI you are the pits and with absolutely no regard for human values, accountability or ethics…

Where is my compesation????


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Wednesday, June 18, 2008 4:38 PM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

What are these SMS’es from ICICI on some stupid i-Mint points (Sent from [protected]); which is being repeated ad is a real nuisance???
I am not interested in any of your stupid POINTS or anything from ICICI…

ICICI please pay me my compensation first…!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Saturday, June 14, 2008 11:29 AM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Where is my compensation?????
Why is there no compensation…


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Thursday, June 12, 2008 11:47 AM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Where is my compensation????


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Wednesday, June 11, 2008 10:37 AM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear ICICI Customer Care,

This is in response to your letter dated 27th May 2008; with reference no. C C/21-05/370682; bearing subject: Total outstanding amount of Rs. 62, 815.26…

I want to ask you a simple question…

1. Do you guys even bother to read and address issues????

2. Do you really think customers can be taken for RIDES and simply pay up???

3. Do you think ICICI is above the system and is not accountable for apathies, sub standard service; creation of customer anxiety; forcing customers to waste time, effort and money; sharing wrong information and causing customer stress???

4. Do you think that all customers simply buckle under the harassment and pressures levied by large banks and corporation????

If yes, then please THINK again…
I am waiting for compensation and not for your nonsense letters, bills, sms’es, statements, harassing calls etc…
Please compensate me and please do READ below the number of times I have reminded you of all that ICICI has done to me…

Until I get compensation I will continue these communications so please do not think that ICICI is getting away easy…

Thanks!!!

Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Saturday, June 07, 2008 7:38 AM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear ICICI,

Are you DUMB or is it that you don’t understand what I have been trying to say????

1. On 6/6/2008, I got a call from an ICICI collections agent… Stop having people call me… It is harassment…

2. AND, what is much worse is the fact that, every one of the persons harassing me did not have the slightest idea of the issues ICICI has created for me; neither the apathy; neither the sub standard service; neither the waste of my time, effort and money etc… All they seem to want to do is, “COLLECT” ICICI dues through harassment

3. ICICI sure sets benchmarks in the area these days… No wonder people suicide over these things!!!

4. Stop sending me bills that, I will not even receive; neither care about… It is a waste of paper and please save the same and help towards a GREENER India

AND, please give me my compensation immediately…

ICICI will have to pay for the absolute lowly and sub standard service that I have been meted out – PERIOD!!!

Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Wednesday, June 04, 2008 3:42 PM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Where is my compensation?????


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Wednesday, May 28, 2008 8:30 AM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear ICICI Customer Care,

Don’t you understand English????
I said and am saying that I have to be compensated and you still send bills to me…?????
What is wrong with you people?????

Do not waste time, paper and money by sending me bills…

I have received a sms saying that a bill has been dispatched to me for Rs. 62, 815 and I am telling you that I am not paying – period!!!

Please compensate me and stop harassing me…

I am losing patience here and you are really pushing things…

Just compensate me for your absolute sub-standard service…

ICICI needs to be taught a lesson in customer service and I believe that they are cheating customers…

How many emails do you want me to send to you incompetent people?????

BCC: Guys is this not the pits!!!


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Thursday, May 22, 2008 10:22 AM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear ICICI,

Where is my compensation????


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Monday, May 19, 2008 7:55 AM
To: 'Mark DavidMarketingWings HO'; 'ICICI Bank Customer Care'; 'ICICI Bank Customer Care'; 'Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Dear ICICI,

Where is my compensation????



Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________
From: Mark DavidMarketingWings HO [mailto:[protected]@wings-promos.com]
Sent: Wednesday, May 14, 2008 2:30 PM
To: 'ICICI Bank Customer Care'
Subject: RE: 'ICICICARE=[protected]' RE: Cancel card no. [protected] with immediate effect and there will be no more payments made to ICICI ever again!!!

Hi Naren,

Please get one thing straight, you can forget about any payments from me…
What you should be remembering is the fact that, more and more people are seeing the total lack of accountability with ICICI and the bullish nature of the BRAND…
I want my compensation and that is final…
Until I get the same, and given the time you are wasting on it, I can be assured that a great population of our country will also realize what I have learned about ICICI till date…

Thank you for your time anyways…
Have a great day!!!

By the way please try and tell ICICI that no point in calling me for anything else other than my compensation…

BCC: Guys check this one out and please be wise


Kindly do oblige,

Warm Regards,

Mark David Verghese
Group Account Director

WINGS BRAND ACTIVATIONS (I) PVT. LTD.
PROMOTIONS | EVENTS | TRADE FAIRS | CRM | RETAIL
Corporate Office: No. 01, 80 Ft. road, Indiranagar, Bangalore-560 038, India
Phone:[protected]/25255057 | Extn.: 206 | Direct:[protected] | Fax:[protected] | Mobile: [protected]
Website: www.wings-promos.com | E-mail: [protected]@wings-promos.com

________________________________________

-----Original Message-----
From: Invalid Customer
Dat

Dear Sir,
This is Deepali. I have your HP GOLD MASTER CARD
yet i have not got 4 digit pin code no. even i did not get any document related to pin code. Let me know about your credit card duration.
my credit card no. is [protected]
please reply me immediately.

Thank you

BY SPDED POST

12th November, 2008

From

SHIV KUMAR GUPTA
GHANDHI DHAM
HOUSE NO 154-F, NEAR BUS STAND
JAGADHRI-135003
PHONE NOS:[protected]
MOBILE NO [protected]

To

The Governor,
Reserve Bank of India,
Central Office Building,
Shahid Bhagar Singh Road,
Mumbai -400001

THE BANKING OMBUDSMAN,
Jeevan Bharti Building Tower no 1
7TH FLOOR 124
CANNAUGHT Circus,
NEW DELHI-110001

THE Chairman, &
Director –General [ Investigation & Registration}
MRTPC
Bikaner House, Sahajahan Road
New delhi-110001

Subject: Formal Notice before filing the Public Interest Litigation [PLI] in the HON’BLE Supreme Court of India UNDER ARTICLE 32 OF THE CONSTITUTION OF INDIA ON 12.0-1.2009 DUE TO THE FAILURE OF ALL OF ABOVE IN THE DISCHARGE OF ENTRUSTED DUTIES OF PUBLIC INTERESTS UNDER THE ESTABLISHED/ INFORCED LAWS/REGULATIONS PERTAINING TO BANKING SECTOR OF THE LAND/COUNTRY MADE BY THE LEGISLATURE RESULTING IN THE GROSS FINANCIAL HARDSHIP TO THE NUMBERS O[censored]SER OF HOME LOAN AND OTHER SERVICES FROM PRIVATE BANKERS DICTATING THEIR OWN ONE SIDED STANDARDS TERMS AND CONDITIONS .

Dear Sirs,

Being the law student of the CCS university, Meerut [UP] I have compelling reasons to file a PLI as stated above on 12.01.2009 on account of failure and non development of proper mechanism having with proper check and balances in the banking system to safeguard the interests of general public availing home loan and other banking services of the private bankers i.e. ICICI BANK & HDFC BANK . I have made a deep study and worked on whole existing banking system based on my own case of home loan from ICICI BANK and came to know of the factual position that true spirit of Government priority policy in the public interest for fulfillment of dreams of own house, has come to very serious setbacks only due to the liberal controlling policy of RBI and poor control of MRTPC over the private bankers in controlling interest rate regime/terms and conditions disfavoring the general public applicable to have their own house . All have to accept the discriminatory one side standard terms and conditions of bankers without having any other alternative recourse.

Since these types of bankers have made all their one side entire standard legally worded and formatted documents and these are get signed from each and every one before the disbursement resulting in slave like positions as of old age Shaukars’ system. From here itself starts the mental agony and torture to all of them.

Presently some of basic flaws in the uncontrolled/unrestricted banking system in home loan sector as well as in other loans also have following major disparities/flaws .

1. Disparity in interest rates and terms and conditions between public sector and private sector banks.


2. Man to man Discriminatory policies in loans only to lure new customers and then compelling them to have higher rate of interests at the sole disposal of bankers.


3. Non transparency in the system as to interest rate regime of private bankers as compared with public sector banks .


4. Absence of required control and check and balances in the system making rooms for the discriminatory loan regime in the country.

Take the live example of my own case apart from numbers of financially effected laks of people of the country for their unheard / unresolved matters are being shown on various websites of consumer welfares. These not to be detailed here itself but will be made the part of PLI .

I have taken home loan vide loan account number LBYGR[protected] from the ICICI bank in November 2003 on floating interest rate of 7.5 % having 168 EMI of 4816 [ Total liability of Rs. 809088] Out of it I have paid 57 nos of EMI so far till November 2008 for Rs.282060 .
But unfortunately due to uncontrolled and discriminatory style of this banker I have the total balance liability of Rs. 909980/- consisting 230 EMI of Rs.5260/- . All this is really old age shaukari system .

For the last more then one year I am taking up my own case with ICICI BANK, RBI & MRTPC but it came to conclusion that due to the open un-controlled regime and non fulfillment of statutory duties by the RBI and MRTPC such bankers are at full liberty to operate the old age shaukari system in the country having man to man one sided their own discriminatory non transparent policies and systems.

I have booked my complaint with THE OFFICE OF THE BANKING OMBUDSMAN OF RBI in New Delhi vide offically registered complaint number :[protected] ON 29.04.2008 but till date no action response took place at all.

Similarlry I have made application for investigation and compensation of RS.1000000/- to the Director –General –MRTPC on 27.02.2008 but till date no response or action intimated to me.

Now I am enclosing herewith annexure ‘A’ having total pages for your kind information that ICICI bank has finally given in replies dated 03.11.2008 and 10.11.2008 his version against my similar notice to ICICI BANK before PLI on 20.10.2008 . ICICI version is totally unacceptable and is effecting similarly to numbers o[censored]ser of their services

Thus now I put this notice to all of above before PLI that why I should not file it on 12.01.2009 in the HON’BLE Supreme Court of India to impose a fine of Rs.100 crores on ICICI BANK which to be deposited in the Consumer Welfare fund of Government of INDIA and give the direction to State to appoint the high powered Judicial Commission headed by the sitting Judge of Supreme Court Of India having financial experts from SEBI . ICAI, ICWAI and ICSI to investigate the flaws in the whole system.

Thanking you,

Yours faitfully,

[SHIV KUMAR GUPTA]
GHANDHI DHAM
HOUSE NO 154-F, NEAR BUS STAND
JAGADHRI-135003
PHONE NOS:[protected]
MOBILE NO [protected]

Enclosed annexure ‘A’

Cc to

The Chairman-cum –Managing Director,
ICICI BANK
LAND MARK RACE COURSE CIRCLE,
VADODARA-390007
INDIA
for information and to pursue the matter with the board of directors of ICICI BANK .
CC TO PRESS /MEDIA

Business Daily from THE HINDU group of publications
Tuesday, Oct 21, 2008
Reserve Bank cuts repo rate to ease credit squeeze
Some banks such as Union Bank, Corporation Bank and Punjab National Bank have already lowered rates on new home and auto loans.
http://www.thehindubusinessline.com/2008/10/21/stories/[protected].htm

Indian Reserve Bank (RBI) cuts repo rate by 100 bps to 8%
by Bill Belew on October 20th, 2008
http://www.panasianbiz.com/2008/10/indian-reserve-bank-rbi-cuts-repo-rate-by-100...⇄


On October 20, 2008, the Reserve Bank announced a reduction in the repo rate under the Liquidity Adjustment Facility (LAF) by 100 basis points from 9.0 to 8.0 per cent.
http://www.banknetindia.com/banking/measurenov08.htm


Reserve Bank of India Cuts Repo Rate
by: Equitymaster October 20, 2008
http://seekingalpha.com/article/100685-reserve-bank-of-india-cuts-repo-rate


Reserve Bank Reduces Repo Rate by 1 percent from 9 to 8 percent
• Author: admin
• Filed under: Bank, Interest Rates
• Date: Oct 20, 2008
Reserve Bank on a sudden move reduced the Repo rate today by 100 basis points or 1 percent from 9 to 8 percsnt .
http://www.rupya.com/archives/2008/10/20/reserve-bank-reduces-repo-rate-by-1-per...⇄

TO WHOM IT MAY CONCERN

I and some of my friends and relatives have taken home loans from ICICI bank and an impeccable repayment track record we have for EMIs all the times.

Recently, RBI has introduced lot of liquidity in the market by reducing CRR considerably. RBI has also reduced repo rate as per the above mentioned NEWS highlights on several websites, which lowers cost of funds for the banks.

Due to these measures from RBI, many public sector banks have reduced home loan floating interest rates. But ICICI has not reduced home loan rates yet. Our question is why?
When RBI increases CRR or repo rate even by 50 basis points, all the banks increase the interest rates immediately. Likewise ICICI has increased its rate of interest home loan with effect from July 1, 2008 and further increased the same from October 1, 2008 even without informing us.

Why is ICICI not reducing the rates now?

This is not good ... we home loan customers are not getting our legitimate right of market based floating interest rates irrespective of being a best payer as well as a pretty business giver to ICICI. We are remarkably disappointed by this leisurely approach of ICICI with its customers like us. In the present circumstances nothing stops us as consumers to think for taking proactive steps and to shift our business to a competitor bank by switching over the existing home loans.

ICICI have a very strange policy to reward its loyal customers with higher rate of interest and to attract new customers with lower interest. Can they explain why they have this policy or they are taking an illegitimate advantage of their loyal customers?

By any logic it can be justified?

We humbly request to the monitoring authorities to take a rational & reasonable action against the aforesaid matter.

Thanks with best regards!!

Mr. Kamath,

I wish I did not have to write to you as the Managing Director and CEO of any institution, let alone ICICI Bank Limited, is not the responsible person for issues as trivial as Change of Address. However, it is the inefficiency, high handedness and unprofessional attitude of your Customer Service Managers at NRI-MUM that compelled me to write this note to you.

Since Nov 10, 2008, I had the most unpleasant of experiences to deal with Mihir Vyas, Jitendra Sharma, Manish Bhatia, Sangita Kuril, and Unnati K, with Sangita Kuril sending the exact same cut-and-paste email three times in four days: first on Nov 13, then again on Nov 15, and finally on Nov 17. In order to mark the emails in the inbox replied promptly, your Customer Service Managers simply cut-and-paste the standard responses available on your internal server, but they do not give a damn to what customer is actually asking for. Their behavior is 100% autocratic and totalitarian.

I have also got issues with your process of Change of Address as well. They will only advance ICICI bank into a bureaucratic organization. I have dealt with the torture and red tapism of your people for past one month to have my address changed. My specific concerns are

• I have an NRE account. Of course, I do not reside in India. How do you expect me to have an address in India?
• It is my account. As soon as I furnish my identity (e.g., passport) I should get my address changed promptly to whatever address I want. There should be no other documents requirements.
• For banks you want to compete with, e.g., Chase, HSBC, and Citi, I get my address changed online – whenever, wherever! Why cannot ICICI be like that?
• ICICI bank has a novel concept of mandate holder. He is fully authorized to operate my account. He can write checks and he can withdraw money, but why cannot you accept his address as my address? In writing I have requested you to have his address as my communication address and I have also furnished his address proof.
• Mihir Vyas dictates “For care off address NOC and relationship proof required(original).”
• Jitendra Sharma writes “You can also use as Ration Card issued by Government of India relationship proof.” How does he expect me to have a Ration Card in India when I reside in some other country?
• Manish Bhatia threats “We request you to provide us the Court Affidavit. We will be unable to process your request without relationship proof.” If one person lives inside India and other person resides outside India, how does he expect me to execute the Court Affidavit?
• Sangita Kuril says “We really understand our concern however please note that we do not want a scan copy send by you to us in the e-mail however we require physical documents and as your have mentioned that you have sent it than please confirm to track your status of it.” What’s the difference between a photocopy and a scan copy? Or, did you expect me to send you the original passport of my brother to you?
• Unnati K delivers the final judgement “With reference to SR86740771, we have rechecked the request, you have provided the NOC along with the request but the signature of blood relative is not original signature(photocopy) and you have not provided brother's passport with request .”
• For God’s sake, why so much bureaucracy, red tapism and dictatorship?
• This is not the right path for ICICI bank to be an International Bank, which you strive for.
• With the advent true international banks, like Citi and HSBC, and growth of other homegrown private sector banks like HDFC, people do have options now. Gone are the days ICICI used to be the only professional bank in India. ICICI bank is no longer professional these days. It’s more like SBI now.
• I had account with ICICI bank for over six years now, but it is no longer pleasant to bank with ICICI bank these days.
• Of course, I will do whatever it takes to salvage my money in the SBNRE account, but as a well-wisher of ICICI bank I do expect it to mend its ways.

Best wishes,
Pradeep

P.S.: A photocopy of my brother’s passport and another NOC with original signatures are on its way to ICICI Bank Limited, NRI Services Centre (CPC-NRI), 2nd Floor, Trade World, B-Wing, Kamala Mills Compound, Lower Parel, Mumbai 400 013, India.