[Resolved]  ICICI Bank — WITHHELD OF SAVING ACCOUNT

I am having ICICI saving account no. [protected] & also having credit card no. [protected]. Due to outsatnding balance of my credit card bank has wihheld my saving account. My credit card outsanding balance as per credit card statement dt. 27.09.2009 is Rs.8856.40 and due date was 15.10.2009. Therefore immeidatly I deposited cheque no. 67588 dt. 03.10.2009 of Rs. 8856.40, in responce to the same bank has communicated me through e mail 1) dt. 08.10.2009 that, " We inform you that according to our records we have received the cheque payment of Rs.8856.40 with cheque number 657588 on October 08,2009. Once the chqeue is cleared your savings bank account will be unblocked in 3 working days". 2) Further, bank through e mail dt. 09.10.2009 informed that,
"We have received your cheque (cheque number 657588 ) of Rs. 8856.4 on[protected] for payment towards your ICICI Bank Credit Card account 5176 XXXX XXXX 8003" . 3) In this context, further bank says that, "We regret to inform you that your cheque 657588 for Rs. 8856.4 towards payment of your dues on your ICICI Bank Credit Card no 5176 XXXX XXXX 8003 has been returned by your bank. We request you to arrange fresh payments immediately" .4) Bank has also infomred that, as on We inform you that the cheque payment of Rs. 8856.40 with cheque number 657588 was returned stating insufficient funds in your savings bank account. 5) Bank vide emial dt. 12.10.2009 informed that, We request you to make the complete payment to unblock the savings bank account. The total outstanding balance on your credit card is Rs. 9,132.15 as on October 12,2009. However, I received the credit card statment dt 27.09.2009 wherein due balance is only Rs. 8856.40 and due date is 15.10.2009. i had paid the total due amt as per credit card statment and before due date and when my saving balance having sufficient balance to clear the cheque of Rs. 8856.40.

My question is that, 1) without quoting any specific reason how can bank returned my cheque, when my saving account in question having sufficient balance as on 03.09.2009 to till date for cleared the cheque of Rs. 8856.40/-. 2) Bank once communicated for received of payment and then communicated returned of cheque without stating any valid reason 2) Whether bank can blocked my saving account for outstanding credit card payment 3) Inspite of issuing cheque of total outstanding amount due as per statement dt.how can bank withheld my saving account till date 27.09.2009 and before due date i.e. 15.10.2009, how can bank says not having suffcinet balance.

ISSUEING NUMERIOUS EMAILS AND CUSOTMER CARE CONTACT BANK HAS NOT YET FINALISE THE ISSUE CORRECTLY.