[Resolved]  ICICI Bank — personal loan - mess

Dear Sir/Madam


Sub: Partiality with Old Home Loan customer. (Not given benefit to old customer)

Please give answer point to point, you give answer in mail only email.-


This latter to be forward to higher authorities, who can take decision?

Please read the application before given answer to me don’t give same computerize answer.

Give answer with my point to point don’t misguide me.

I am very clear in matter complaining, so don’t tray to divert me in other side.

I know all type of your home loan scheme, so give answer with as per rules and regulation.

Please give answer properly, and understand my point, don't repeat same theory, or I think you know my question but you don't have answer, so you are divert me in other side or I have to live this for other legal way in the court of rule.


Please see with future business you are not given any condition about in future you are not given /eligible for benefits to same (FRR) customer. It is a violating of same as same benefits theory. As per your term and condition, you are not write this things that home loan customer is not eligible for reducing of interest rate by the ICICI Bank for new customer, So you are violating the term and condition it may be wrong as per legal and customer protection by government of India and RBI rule, So I am requesting you please change your condition for all the home loan customer, It is not a matter of interest but human mentality is also changed.
Please ask what is the different between old and new home loan customer. You can give free life insurance to new customer it is ok but in rate of interest is a violation of terms and condition with old and new customer of home loan.
It is a one type of misguiding of home loan customer, what is the guaranty for new customer to not increasing 10.25% to 11.25% within some time,(10.25% is life time rate) How much time you are given 10.25% of interest to new customer.
You cannot make different between same types FRR customer, because you give other benefits to new customer but this is a partiality with old and new customer. This type of offer is reducing your business with effect to old customer is going for new agency, Other wise you convert all the home loan to new home loan with effect from 10.25% rate of interest.
It is a highly object by old home loan customer I understand your matter but I am asking about your Disparity between two customer who taken house loan from you in same system Floating Reference Rate(FRR) but one is offering 10.25% and old customer is not important for you so I am worried about your Floating Reference Rate Disparity, So I am asking about this matter only all other thing I know very well , but why you are making this type of Disparity, You have to make same treatment to all Floating Reference Rate customer, You given chance to variable for all not for someone,
Give replay with consult matter, you forward my application to higher authority

Forwarding of my suggestion to the concerned authorities, who can implement Customer satisfaction and I hope it is taken positively in favors of home loan customer.
One more request is that you give facility for business to new customer but don’t create disparity between the customers. You have to give benefit to your entire home loan customer.
Make competition with other Home Loan finance companies, not with your own customer who taken Home loan from you. You attract other customer from other Home Loan finance companies. That is making you high business profile.

I requesting you take imperative decision and make different with other Home Loan finance companies. Make Marketing with other.


Please advise me what I have to do?


Thanks


(B M Solanki)