[Resolved]  ICICI Bank — personal loan

Hello Sir,
Myself, Dibyalochan Mishra having two loans from icici bank. One I got in May 2006, the a/c no. is LPCHE[protected], and another one I got in November 2006. In the month March of this year I went to apply for another loan from Purusalwalkam branch. My correspondent was mr. Muthu. He told me there is rule that a customer cannot take three loans at a time. So, you should go for preclose of a loan. Then, he suggested me the loan you started from May 2006 having less instalment (balance 52, 000). We will preclose that loan and you will get 60, 000, per month 4, 050, for three years. I was waiting for that draft. But it came so late and my sister's marraige over. So, I decided I should close that freshly applied loan and reinstate the old one. Then I contact to mr. Muthu and he told me submit a cancellation application and I will close it. But after 2-3 weeks he told you should go to our customer care office at Anna Salai and they will do. I had gone there twice but no result came. The cust. care lady given me a
contact no. of mr. Om Prakash. Then I called him so many times. After one month he is telling that you should pay the first instalment and I will do your work. But sir till now hothing has happened. Till now I have not availed that amount. The draft containing 60, 787 is with me till now. They have returned the cancelled 6 cheque leaves. As a customer of more than 8 years I should not face this problem. I don't want to disturb my reputation with icici bank. Sir please do he needful for me as much as early.
After a long discussion the icici bank is not taking any response to reactivate the old loan. So, I am requesting to icici bank that the instalment for this new loan no. LPCHE[protected] for the month of july of rs. 4050/- should not be deducted from my account. It is clear indication that the bank want to cheat me. Till now I haven't taken this amount how the bank is going to taken the instalment. I need a clear solution for it immediate. Before getting this loan I told clearly to my correspondent that I am not going to take that loan. But he as well as all the sales manager for PL in chennai (om prakash, Paul, Amarjeet singh) are cheated me.
Thanks,
Mishra

To
The Manager
I am writing you this mail due to dissatisfaction of your service. I have applied for a PL 2 months back . When this loan is sanctioned i don't know. Till yet the loan amount(i.e 4.56 lakhs)is not credited to my account or i didn't recieve any kind of cheque/draft from ICICI but the EMI for this loan account is started from 5th May of 2008. Though i didn't recieve any thing from ICICI and my EMI is already started i am no more intrested with this loan so please cancel this loan ASAP. I called the custmer care regarding this cancelation they told me to visit nearest ICICI barnch they will cancel it then i had gone the nearest Bun-Garden Road, pune branch there those people told me to go Bhandarkar road branch again those people told me to go Sivaji nagara branch.There in sivaji nagar branch they are telling they can't do anything just ask the executive through which you have applied the loan. Like this they are playing with me.
Note 1
First of all i didn't recieve the cash when i was needed(Though i have applide it 2 months back).
Secondly pleasse tell me is this my fault to apply PL in ICICI ?.
Thirdly is this your best service to custmer.
Any way though i am no more intrested with this loan please stop and cancel this loan immidiately.
I am already frusted with your services please make it ASAP before my next EMI ie before 5th June 2008. Also i need my agreement and the cheques back that i have submitted for this loan (i.e on date 11/04/1008). This is the notice for you from my site . Please settle this matter ASAP other wise i will keep this matter in front of media and I will take legal actions against ICICI under Human rights.

Hi

I took a personal loan from the bank. The processing fee committed to me was Rs. 1000 by the banks marketing executive. But the actual amount credited to my account was Rs. 3271 less. On contacting the bank, I was told that this was on account of processing fee but I have not got any letter from the bank which gives deatils about the amount deducted. My repeated complaints about this with the manager of the bank fell on deaf ears.

Regards,
Sumit Agarwal

RESPECTED SIR
IAM V., KUMAR AND I HAVE TAKEN A PERSONAL LOAN FOR RUPEES 50000 ON 5TH APIRL 2007 I HAD BEEN PAYING A MONTHLY INSALMENT FOR A CONTINUES PERIOD 21 MONTHS . MY TENOR ENDS ON 05TH MARCH 2009 I HAVE MANAGED TO PAY TIL NW BUY SEEKING HELP FROM OTHERS. WITHOUT ANY CHEQUE BOUNCE. NOW AT PRESENT, I WILL NOT THE ABLE TO PAY THE FURTHER 3 EMI 'S AT PRESENT I DO NOT HAVE JOB ALSO .ALREADY I HAVE PAID THE TAKEN AMMOUNT WITH MAXIMUM INTEREST .HENCE I REQUEST U TO KINDLY CLOSE MY PERSONAL LOAN HERE WITH AND SEND ME A CLOSING LETTER.
LOAN AMMOUNT 50000
LAN NUMBER LICHE [protected]
TENOR MONTH 24
EMI 3336.
START DATE 5TH APIRL 2007
REPAYMENT MODE PDC
EMAIL ID v.[protected]@yahoo.co.in
MY ADDRESS
V.KUMAR, NO 190 PARVATHY NAGAR SELAIYUR
MADAMBAKKAM CHENNAI 600073
THANKING YOU
V.KUMAR

Sir,
I have take a personal loan a/c no;-LPAJM[protected] . I am not defloter in that time .i have a good payeer ever monthy but this month lone amount paid the monthly 3887 date 5/03/2009 receipt no;[protected] cash mode. your banker by misstake this amount enter the anouther a/c no;- LPAJM[protected]
sir i am so unconvinet 15to 20 time call from delhi. sir i am not in ajmer.

Pl.i have request to you this amount celer in a/c & Aoutdebit charge are not paid i have cash mode in yoour bank ever monthy

ARUN CHAURASIA
849/8 BALA JI STREET
MADAR GATE
AJMER;-305001

I am Abhinandan i want a lone for Rs- 100000/-

ICICI Credit cards — Wrong application asking refund of loan Wrong application asking refund of loan

I had received a demand legal notice from ICICI Bank against a credit card which I don't own. The amount they have asked for is Rs. 93,945.9/- against card no. [protected].

The application was dated on 22/08/09, letter no. DLNCC121678. The contact person mentioned in the notice is Gaurav Rajput and his number out in the notice is [protected]...

Plz help and kindly do it at the earliest so that my mental pressures are abit down.....


Contact my husband for any further details regarding it at [protected],T.N. Sarmah.

Personal Loan/Bond amount — Extra money deduction from my account and no reply from months on the email

Hi, I was working for a company and had a bond amount with SBI. I has discontinued the services with the firm and after that bank seized all my accounts with them. They have been deducting amount which they are not returning back after several follow ups.

We are sending emails to following email id
sa.[protected]@sbi.co.in

No one replied to this and no one picks up the call at their center. We are fed up with this service. How do i get my money back and how do i escalate this to next level. Please advice.

Bank details are:
SBI, Old Malakpet, Hyderabad

Please help us resolve this. Thanks.

Dear Concern
I had a personnel Loan running at ICICI Bank (LPCAL[protected]) where I am paying Rs3931 as a monthly installment. Till date all the EMI was paid on time without any delays..
Today I had called the Customer Care to know my outstanding amount, which was informed as Rs 39310 (10 EMI pending). I told them that I want to close the loan account by paying off the entire amount and after calculations they informed I need to pay Rs39210, which is very much, the same amount.
When I enquired what is the benefit I am getting than the CC executive said there is no benefits and even if I close I the loan I will have to pay the same amount.
It is very sad to inform the higher official that customer who does not pay EMI is given the facility of Settlement, which is almost 50% of the outstanding, but customer like us who has been paying EMI on time gets nothing.
Not happy with services given by ICICI Bank and from next time I will have to think twice before dealing with them.

Dear Harjit Singh,

We are sorry to know how you feel about our services. We have also made a note of your loan account number as mentioned here. We'll contact you shortly and will work to address your issues.

Regards,
ICICI Customer Service Team.

Hi,

I have a peronal loan with ICICI Bank. I was not paying loan amount since 11 months due to the job loss. When i lost my job in 2008 also i was paying the amount till the oct 2009. Now the bank people are calling at my home and asking about the loan amount. I informed my parents please ask them to contace me. Previouly they are calling me and taking the amount. Now the bank people are calling at my home they are harrassing my parents.

I called up those guys and i requested them to provide me the settlement.i explained my problems then to they are talking abusing words and they are not listing anything my words. If i am calling also they are not responding anything , they are calling at my home and harrassing my parents. Also they are saying we will file a case against you ( My Dad ). I am not saying that i won't pay the money. I am requesting you to provide me the settlement.

I was already deposit the money into my savings account for the loan sake. Last time the bank people are lien my savings account and debited Rs:42000 in one account and Rs: 29843 in other savings account due to the non payment of credit card with out any intimation. For Credit card also the bank people called me before debiting 5 months back and they ask me to pay the minum amount Rs:2317, and they promised me we will give the settlement for the creditcard. But i tried many times then to they have not replied anything.

I have send a request to CEO and corprate people head of the persons to remove the lein i have loans to pay, they simply replied a mail and saying that other person will contact you, but ther is no use, before they contact me, they already debited in my savings account without my prior acceptance. Even i have not used that much amount also.

Now i want settlement for my loan, they are harrassing my parents. Do i processed filing case against the bank, because bank has cheated me around Rs:70,000/-, I have all the proofs with the written communication with the bank people (higher officials including the mail CEO Chanda Kochari).

Kindly Advice me.

Dear Concern,

I paramjit Singh taken a personal loan from your Bank in the year 2007-08 of Rs. 1,65,000 having a monthly instalment of Rs4976/- .
On 6 sept a ECS of Rs 4976/- has been debited from my HDFC bank Account([protected]),on 7t sept10 it has been returned , i was unable to know the reason .
Then i received a call from you to get the instalment paid , i called your execuive to collect the cheque from me , he collected the same from my address .
Again i saw my bank statement today and found that my ECS also has been debite from my account
MY complaint: 1. If i was having sufficient funds on 6th sept '10 then why ECS has been returned .
2. I[censored]r execuive has collected the cheque then y ECS has been debited .

Do u guys following the correct procedures or just taking the money from client to make ur company's capital.

Need to know the ans on priority otherwise i will escalate the same to ur higher official .

Dear Mr.Paramjit,

We apologize for the inconvenience caused to you.Please write back to us with your contact details at [protected]@icicibank.com and we will contact you to address your concern.Kindly refer "733705" in the subject line.

Regards,
ICICI Bank Customer Service Team.

SIR, I HAVE BEEN GIVEN AN OPPORTUNITY TO TAKE A PERSONEL LOAN FROM ICICI BANK IN SEPT 07 FOR THE PERIOD OF 48 MONTHS WITH THE PRINCIPLE VALUE OF 5,00,000/- THE EMI VALUE WAS 15,082/- HAS BEEN PAID REGULARLY FOR THE PAST 32 MONTHS. DUE TO UNFORESEEN CIRCUMSTANCES, I HAVE UNDERWENT SEVER MI, DUE TO EXCESS OF LDL & VLDL DEPOSITION IN CORONARY ARTERIES. IN THIS CONNECTION, AS PER THE ADVICE OF THE CARDIOLOGIST AND FAMILY PHYSICIAN, I HAVE BEEN TAKING REST AND MEDICATION AND UNABLE TO DO ANY HARD WORK, WHICH USED TO BE MY PROFESSIONAL REQUIREMENT. THIS HAS BEEN CLEARLY EXPLAINED TO THE BANKERS, BUT THEY ARE NOT INTERESTED TO LISTEN ANY OF MY SUFFERINGS AND HARASSING ME THRU PHONE AND IN PERSON ALSO DURING MY LIMITED WORKING HOURS. THEY HAVE TAKEN THE LIBERTY OF COMING TO THE RESIDENTIAL AREA, AND STARTED TALKING TALKING BAD THINGS ABOUT ME, WHICH HAS LEADED ME TO UNDERGO HIGH AMOUNT OF STRESS RELATED DISORDERS. THIS IS MY SITUATION. MAY I REQUEST THE FORUM TO GIVE A SUITABLE ANSWER, SO THAT I CAN PROCEED IN THIS MATTER SMOOTHLY AND TO SETTLE THE ISSUE AT THE EARLIEST....!!!....BALAJEE.

Personal Loan — show 50000/- loan is write up

i have applied the loan proposal from HDFC bank, amount Rs.100000/- when HDFC bank inquire about my loan status from cibill info its shows 50000/- loan is write up. i request you give my details from which baks loan is pending on my name. if it is showing by mistake please drop my name form the same.

Dr. S. Y Patil

Dear Sir....I have received a Personnel Loan, without any request from my side, from ICICI BANK...28.09.2007....to the tune of 4,88,750.00 ( Four Lakh Eighty Eight thousand only)....rather it has been credited to My account directly.....Though I did'nt use the Money for any important purposes....I have been Paying my EMI = 15,082/- every month thru ECS system. I have already Paid app., 5,40,000.00 Now due to sudden Health Failure...which has been certified by 2 major Specialist ( Govt. Doctors), in the respective Speciality....I couldn't do any hard work & Pay the rest of the EMI...as expected by the Bank....Mean time I have been harassed, threatened...and underwent high amount of Stress...which further detoriated my Health condition...Now I am working for daily wages only to take care of my poor Family needs.....and not in a position to repay the balance amount of Loan as expected by the Bank....At this juncture...may I request this forum...to help me out of this situation at the earliest...since the Bankers are communicating me to take both Civil & Criminal actions against me because of the above said issue.....Balajee

INDIA'S BEST FRAUDULENT SCHEMES AVAILABLE WITH ICICI BANK...BEWARE OF THESE CHEATS...WHO DO NOT HAVE ANY RIGHT TO PLAY WITH LIVES OF INDIANS...With Deep Pain from my Heart...Balajee

Dear Balajee,

We regret the problem caused to you. Please assist us with your contact details and we shall get back in touch with you soon to resolve the matter.Kindly refer "1093304" in the subject line.

Regards,
ICICI Bank Customer Service Team.

To...ICICI BANK CUSTOMER SERVICE TEAM...Dear Sirs...My Loan account number(PL) is LPTRI[protected]...I have received a PL from Your Bank in 28.09.2007, thru direct Credit to My S.B. account number :[protected]...to the tune of 4, 88, 750/- ( Four Lakh eighty eight thousand and seven fifty Rupees)...Till date...I am not sure...on what basis this Loan has been given to me( you may refer to your records for details)...because, I have been given to understand that the said PL is sanctioned then, based on my Corporate salary account...which I was operating, during my tenure in Nicholas Piramal Health care as an executive, and I have left the Organization, due to my personnel reasons in Jan 2007 itself and relieved from the services as per company's norms. However, the account was operational, because transactions were being done...as per the prevailing norms of your esteemed bank ( refer my S.B. account statements). Regularly, I have paying the EMI's...thru ECS...for quite some time, but due to some unavoidable circumstances...it was delayed earlier...Still, according to My records...I have paid...5, 12, 788 ( Five lakh twelve thousand seven hundred and eighty eight rupees...and received receipts in different intervals from your banks Executives. Couple of months ago ( Oct 2010)...I have underwent severe health failure due to the excess loss in my personnel and business lives, which is doubly confirmed by 2 Government Doctors( Authorities to give Medical Certificates for the said issues), after taking all investigations. In this connection, I have several communications with your esteemed office in Trichy ( PL RECOVARY DIVISION, LAKSHMI ARCADE, TRICHY) in person and also over phone...and also submitted all the Original records. After explaining my inability, to Pay the PL in time due to my sudden health failure, and I have withdrawn myself from the job's which I was doing, which is also a stress related work, to be carried out always in emergencies ...I have been advice by Physician & Cardiologist, not to undergo such type of stress related work, which will seriously affect my health condition. But, even after explaining all these details with Proof of Medical Certificates...I have been Threatened, Harassed & Humiliated Publically in odd hours, continuously in my residence and also in public places by some immatured executives of the said branch, Trichy ( Names of the People : 1. Mr Siva 2. Mr Paulmani 3. Mr Akbar...and it goes on with 2 more persons, the names I am not sure). After that, I went and met your esteemed banks authority, here at Trichy in the said Branch, who was kind enough to atleast hear my Story and assured me to help. In continuation to this, I have been informed orally, a letter of settlement has been issued from your esteemed bank in the month of Nov 10, as per the procedure, after telephonic communications & confirmations from your authorized personnels, probably from Hyderabad, but I did not receive any copy by mail or thru Post...the reason said was some technical errors...in the said branch, for taking printouts...believing the story, at that time also, I have paid the EMI amount ( Nov 10 - 15, 082) and received receipts, as suggested by both bank authorities and also by my legal advisor. If at all, I have received the letter of settlement, I would have given payments, at least, in that time, by fund generation, by begging any one of my well wishers. Alas..nothing has been happened, once again, the settlement has been cancelled as per your esteemed bank norms. Now, I am working for daily wages only...due to my poor health conditions...I am not in a position to Pay immediately, but I assure your esteemed bank that I do not try to cheat your esteemed bank, by not paying the EMI's in time. May I request your esteemed office, to kindly help me out of this situation...which will definetely help me for my existance in this world...I do not know how to explain further my position...Please help me sir...

I recived personal loan from ICICI BANK loan a/c no. LPCAL[protected]. I deposite full payment acording to bank dues.But still my name show in cibil.Please suggest,I am facing problem for applying a home loan in other banks.My contact number - [protected]