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[Resolved]  ICICI Bank - — complaint logged with ICICI Bank for Mis-selling me a Personal Loan

Dear Sir/Madam,

This is in reference to a complaint logged with ICICI Bank for Mis-selling me a Personal Loan, Rude Behaviour and Losing 2 security cheques which they claim not to have received. Now that I have paid off the loan after running from here and there and I'm looking forward for Justice and fairness from ICICI Bank. These people have made me run about and made me cry. All I'am asking is a fair compensation of refund of stop payment of 2 cheques and re-imbursement for Interest charges and pre-closure charges as the loan was of no use to me and that I had to pay it off. Please help in this situation.

Please find a Detailed complaint numbers and the only response i have been receiving from ICICI bank complaint team is that we will resolve your query and they just send me a feedback form for them and no fair resolution. Please help.

Complaint to ICICI Bank
"Head Service QualityDear Mr. Sadhwani, We refer to your e-mail dated November 13, 2007 to "headse...
12/6/07
Naresh Sadhwani to Head
show details 12/28/07 (11 days ago) Reply




Hi Sir/Madam,

It seems that you had promised a prompt resolution and a reply as per your mail below (Service Reference number SR[protected], within 10 working days. What am i supposed to do now as I have not received any reply or any kind of acknowledgement from you. I'am just wondering who is to be responsible for all this. Please reply.


[protected] Forwarded message[protected]
From: Head Service Quality <[protected]@icicibank.com >
Date: Dec 6, 2007 4:16 PM
Subject: RE:'ICICICARE=[protected]' Re: Re: 'ICICICARE=[protected]' Complaintfrom Naresh A. Sadhwani /naresh.[protected]@gmail.com
To: Naresh Sadhwani < naresh.[protected]@gmail.com>


Dear Mr. Sadhwani,

We refer to your e-mail dated November 13, 2007 to " [protected]@icicibank.com".

Please find the attachments addressing your issues related to cheques and discrepancy in rate of interest.

We would like to know whether you were satisfied with this e-mail interaction with Head Service Quality team.
Please click on http://www.hansaresearch.com/icicibank/hsq/loan.asp?HSQ=26338768 to tell us.



Sincerely,
Ganesh R Chawan
Office of Head Service Quality

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. The recipient acknowledges that ICICI Bank or its subsidiaries and associated companies, (collectively "ICICI Group"), are unable to exercise control or ensure or guarantee the integrity of/over the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of ICICI Group. Before opening any attachments please check them for viruses and defects."



Subject: Re: Re: 'ICICICARE=[protected]' Complaintfrom Naresh A. Sadhwani /naresh.[protected]@gmail.com

Dear Mr Ganesh R Chawan,

It seems that you had promised a prompt resolution and a reply as per your mail below (Service Reference number SR[protected], within 10 working days. What am i supposed to do now as I have not received any reply or any kind of acknowledgement from you. I'am just wondering who is to be responsible for all this. Please reply.

Thanks and regards,
Naresh A Sadhwani
AVIVA 24/7 Customer
Chennai
Cell: [protected]



On 10/30/07, Head Service Quality < [protected]@icicibank.com> wrote:
Dear Mr. Sadhwani,

We refer to your e-mail dated October 30, 2007 to " [protected]@icicibank.com".

As per our telephonic conversation dated October 30, 2007, your complaint has been registered under Service Reference number SR43022613. We will respond to you within 10 working days.

Looking forward for your co-operation.

Sincerely,
Ganesh R Chawan
Office of Head Service Quality

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. The recipient acknowledges that ICICI Bank or its subsidiaries and associated companies, (collectively "ICICI Group"), are unable to exercise control or ensure or guarantee the integrity of/over the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of ICICI Group. Before opening any attachments please check them for viruses and defects."


Subject: Re: 'ICICICARE=[protected]' Complaint from Naresh A. Sadhwani /naresh.[protected]@gmail.com

Dear Sir/Madam,

To the Attention of Mr. Anirudh Kamani, Head, Customer Service, Mr. Harshil Mehta, Nodal Officer, Mr. B. Madhivanan, Senior General Manager, Service Quality.

With regards to my loan LPCHE8190637, I have already paid the outstanding amount due with pre-closure charges to cancel my loan, but i still have not received 2 cheques which seems to have been lost. I was give a reference number SR31460773 on 17/07/2007, stating that it will be processed and traced for return within 11 days. I should be wondering who to forward this complaint to as I have still not received any reply or call back or my cheques, for which i had to put a stop payment and pay for the same. This is not the kind of service i was expecting from such a big financial institution like ICICI. It's been 3 months and I still have not heard any thing. Is it because i have closed and paid off my loan you forget about the customer who gives business.

How can I ever trust your Transperancy policy which states "Your trust is o[censored]tmost importance. We are committed to transparency in every aspect of our relationship with you".

Thanks and regards,
Naresh A Sadhwani
AVIVA 24/7 Customer
Chennai
Cell: [protected]




On 4/20/07, Head Service Quality < [protected]@icicibank.com> wrote:
Dear Mr. Sadhwani,

We refer to your mail dated April 19, 2007 to "[protected]@ icicibank.com".

Your complaint has been registered under complaint no. SR22480350. We will respond to you within 4 working days.

Looking forward for your co-operation in the interim.

Attempts were made to contact you on the number [protected] dated April 20, 2007 at 5:20 pm to inform the above. However, you were not contactable.

Regards,
Ganesh R Chawan
Office of Head Service Quality
ICICI Bank
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. The recipient acknowledges that ICICI Bank or its subsidiaries and associated companies, (collectively "ICICI Group"), are unable to exercise control or ensure or guarantee the integrity of/over the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of ICICI Group. Before opening any attachments please check them for viruses and defects."


Name:Naresh A. Sadhwani
Product:Loan Account
Account No:LPCHE8190637
Application No:
E-mail address:naresh.[protected]@gmail.com
Mobile no:[protected]
Telephone no:+91--
Details of your complaint:Dear Sir, This is in reference to my Personal loan a/c LPCHE8190637, for which i have not received any kind of resolution or even a courtsey call back on follow up.This loan was taken based on an existing loan (LPCHE4280339 - Rate of interest 9.49%) i hold with your bank, however when the agent sold the loan he promised a rate of interest of 14% based on track payment. I realised only after 3 months that I was mis-sold this loan for a rate of interest of 19% than promised. Also the agent had taken 8 security cheques (UTI bank chq #'s[protected]. I have 3 UNPROFESSIONAL Surprises from your financial organisation. A). The agent no more works with your company and the supervisors/managers do not have a clue of my issue. B). Out of the 8 chq's I had given (Every bank only asks for 6 security chq's), your Phone banking does not have a proper answer and states that they have only 6 Chq's (so what does this mean? The agent who sold the loan may cash-in the other 2 chq's to which i put a stop payment and was unfortunately charged by my bank).C). The main surprise is that your phone banking (MANAGERS- Padmashree...ARUN...Sirisha...Amit Kumar) don't seem fit to resolve my query as they only keep promising and nothing seems to be happenning, based on complaint # SR19082252. Every time i call, they ask me to contact ICICI Bank manager - Cenotpah Branch, Chennai, where i find no answer from Mr.Karthik and Mr.Parthasarathy who also promised a resolution. IS THIS THE WAY YOU TREAT Customers.


Naresh A Sadhwani
AVIVA 24/7 Customer
Chennai
Cell: [protected]


- Show quoted text -

Naresh A Sadhwani
AVIVA 24/7 Customer
Chennai
Cell: [protected]

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Reply Forward
Naresh Sadhwani to Head
show details 12/28/07 (11 days ago) Reply



Dear Sir/Madam,

Please understand my issue and then provide a resolution. Please do not just call me without knowing my issue.

Thanks and regards
Naresh
- Hide quoted text -


[protected] Forwarded message[protected]
From: Naresh Sadhwani <naresh.[protected]@gmail.com>
Date: Dec 28, 2007 6:25 PM
Subject: Fwd: 'ICICICARE=[protected]' Re: Re: 'ICICICARE=[protected]' Complaintfrom Naresh A. Sadhwani /naresh.[protected]@gmail.com
To: Head Service Quality < [protected]@icicibank.com>


- Hide quoted text -

Hi Sir/Madam,

It seems that you had promised a prompt resolution and a reply as per your mail below (Service Reference number SR[protected], within 10 working days. What am i supposed to do now as I have not received any reply or any kind of acknowledgement from you. I'am just wondering who is to be responsible for all this. Please reply.








[protected] Forwarded message[protected]
From: Head Service Quality < [protected]@icicibank.com >
Date: Dec 6, 2007 4:16 PM
Subject: RE:'ICICICARE=[protected]' Re: Re: 'ICICICARE=[protected]' Complaintfrom Naresh A. Sadhwani /naresh.[protected]@ gmail.com
To: Naresh Sadhwani < naresh.[protected]@gmail.com>


Dear Mr. Sadhwani,

We refer to your e-mail dated November 13, 2007 to " [protected]@icicibank.com".

Please find the attachments addressing your issues related to cheques and discrepancy in rate of interest.

We would like to know whether you were satisfied with this e-mail interaction with Head Service Quality team.
Please click on http://www.hansaresearch.com/icicibank/hsq/loan.asp?HSQ=26338768 to tell us.



Sincerely,
Ganesh R Chawan
Office of Head Service Quality

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. The recipient acknowledges that ICICI Bank or its subsidiaries and associated companies, (collectively "ICICI Group"), are unable to exercise control or ensure or guarantee the integrity of/over the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of ICICI Group. Before opening any attachments please check them for viruses and defects."



Subject: Re: Re: 'ICICICARE=[protected]' Complaintfrom Naresh A. Sadhwani /naresh.[protected]@gmail.com

Dear Mr Ganesh R Chawan,

It seems that you had promised a prompt resolution and a reply as per your mail below (Service Reference number SR[protected], within 10 working days. What am i supposed to do now as I have not received any reply or any kind of acknowledgement from you. I'am just wondering who is to be responsible for all this. Please reply.

Thanks and regards,
Naresh A Sadhwani
AVIVA 24/7 Customer
Chennai
Cell: [protected]



On 10/30/07, Head Service Quality < [protected]@icicibank.com> wrote:
Dear Mr. Sadhwani,

We refer to your e-mail dated October 30, 2007 to " [protected]@icicibank.com".

As per our telephonic conversation dated October 30, 2007, your complaint has been registered under Service Reference number SR43022613. We will respond to you within 10 working days.

Looking forward for your co-operation.

Sincerely,
Ganesh R Chawan
Office of Head Service Quality

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. The recipient acknowledges that ICICI Bank or its subsidiaries and associated companies, (collectively "ICICI Group"), are unable to exercise control or ensure or guarantee the integrity of/over the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of ICICI Group. Before opening any attachments please check them for viruses and defects."


Subject: Re: 'ICICICARE=[protected]' Complaint from Naresh A. Sadhwani /naresh.[protected]@gmail.com

Dear Sir/Madam,

To the Attention of Mr. Anirudh Kamani, Head, Customer Service, Mr. Harshil Mehta, Nodal Officer, Mr. B. Madhivanan, Senior General Manager, Service Quality.

With regards to my loan LPCHE8190637, I have already paid the outstanding amount due with pre-closure charges to cancel my loan, but i still have not received 2 cheques which seems to have been lost. I was give a reference number SR31460773 on 17/07/2007, stating that it will be processed and traced for return within 11 days. I should be wondering who to forward this complaint to as I have still not received any reply or call back or my cheques, for which i had to put a stop payment and pay for the same. This is not the kind of service i was expecting from such a big financial institution like ICICI. It's been 3 months and I still have not heard any thing. Is it because i have closed and paid off my loan you forget about the customer who gives business.

How can I ever trust your Transperancy policy which states "Your trust is o[censored]tmost importance. We are committed to transparency in every aspect of our relationship with you".

Thanks and regards,
Naresh A Sadhwani
AVIVA 24/7 Customer
Chennai
Cell: [protected]




On 4/20/07, Head Service Quality < [protected]@icicibank.com> wrote:
Dear Mr. Sadhwani,

We refer to your mail dated April 19, 2007 to "[protected]@ icicibank.com".

Your complaint has been registered under complaint no. SR22480350. We will respond to you within 4 working days.

Looking forward for your co-operation in the interim.

Attempts were made to contact you on the number [protected] dated April 20, 2007 at 5:20 pm to inform the above. However, you were not contactable.

Regards,
Ganesh R Chawan
Office of Head Service Quality
ICICI Bank
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. The recipient acknowledges that ICICI Bank or its subsidiaries and associated companies, (collectively "ICICI Group"), are unable to exercise control or ensure or guarantee the integrity of/over the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of ICICI Group. Before opening any attachments please check them for viruses and defects."


Name:Naresh A. Sadhwani
Product:Loan Account
Account No:LPCHE8190637
Application No:
E-mail address:naresh.[protected]@gmail.com
Mobile no:[protected]
Telephone no:+91--
Details of your complaint:Dear Sir, This is in reference to my Personal loan a/c LPCHE8190637, for which i have not received any kind of resolution or even a courtsey call back on follow up.This loan was taken based on an existing loan (LPCHE4280339 - Rate of interest 9.49%) i hold with your bank, however when the agent sold the loan he promised a rate of interest of 14% based on track payment. I realised only after 3 months that I was mis-sold this loan for a rate of interest of 19% than promised. Also the agent had taken 8 security cheques (UTI bank chq #'s[protected]. I have 3 UNPROFESSIONAL Surprises from your financial organisation. A). The agent no more works with your company and the supervisors/managers do not have a clue of my issue. B). Out of the 8 chq's I had given (Every bank only asks for 6 security chq's), your Phone banking does not have a proper answer and states that they have only 6 Chq's (so what does this mean? The agent who sold the loan may cash-in the other 2 chq's to which i put a stop payment and was unfortunately charged by my bank).C). The main surprise is that your phone banking (MANAGERS- Padmashree...ARUN...Sirisha...Amit Kumar) don't seem fit to resolve my query as they only keep promising and nothing seems to be happenning, based on complaint # SR19082252. Every time i call, they ask me to contact ICICI Bank manager - Cenotpah Branch, Chennai, where i find no answer from Mr.Karthik and Mr.Parthasarathy who also promised a resolution. IS THIS THE WAY YOU TREAT Customers.



Naresh A Sadhwani
AVIVA 24/7 Customer
Chennai
Cell: [protected]
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Aug 13, 2020
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