[Resolved]  ICICI Bank — Extortion of money by threats.

rom subash paliwal <[protected]@gmail.com>
to [protected]@consumergrievance.com
cc external.[protected]@icicibank.com
bcc neeraj.[protected]@icicibank.com
date Sat, Jan 30, 2010 at 5:32 PM
subject To examine customer-issues and provide an unbiased resolution.
mailed-by gmail.com
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hide details 5:32 PM (4 minutes ago)
To,
- Hide quoted text -
Mr. Gopalakrishnan
The external ombudsman
ICICI Bank.

Subject:-To examine customer-issues and provide an unbiased resolution.In Subject;-Rs.50,000/-loan was issued to me on credit card on request of your executive at condition that loan can be closed any time without paying the foreclosure charges and other charges as i was not requirement of loan.Hence balanced principal amount Rs.44730/-were paid on 30May 2008.

Sir,

I brought to your notice that in begining your executives requested me many times to take loan amount Rs.2,25,000/-on credit card no.[protected] .I have remined him that i was not in requirement of loan many times.
I have told to your executives that do not phoned me for loan this matter was in the month of January 2008.But they after some time of gape they again requested me to offer loan on credit card without any documents as they want to fulfill the loan target given to them by ICICI Bank .

The time has gone and your executive again and again requested me for loan.On 12Feb.2008 your executive promised that Mr.S.C.Paliwal you can close this loan any time according to your choice without giving us foreclosure charges and any other charges but as per our requests you think for loan.
I feels their conditions were true in paying balance principal amounts because as no documents were prepared for loan again i silented for loan as i did not required.

Again on 15 Feb.2008 your executive request please take only Rs.50,000/-and you can close balance principal amount any time without foreclosure charges and any other charges.As documentations were not prepared for this loan i feel it to be true i can close loan account by paying balance principal amount any time. If any document was prepared then i will take in written that i can close loan by paying balance principal amount any time without foreclosure charges and any other charges.
Hence on 15 Feb.2008 Rs.50,000/- loan was givin to me without any written document on the condition that i can close loan loan by paying balance principal amount any time.

On 25 May.2008 i got statment in which balance principal amount were Rs.44,730/-.i discussed the matter for closing loan to Ms.Purnima ,your executive in customer care division at 2.05P.M. on 29/05/2008. She told me you can close the loan by paying balance principal amount Rs.44,730 and a request no..SR67861477 was generated for closing loan account no. [protected] .Thus i paid balance principal amount Rs.44,730/- through Cheque No.095590 of Axis Bank Ltd. Sector-5 Dwarka New Delhi-110075 of Rs.44,730/- to close loan account no.[protected] by paying balance principal amount Rs.44,730/- without paying foreclosure charges and any charges.

That cheque No.095590 of Axis Bank Ltd. Sector-5 Dwarka New Delhi-110075 of Rs.44,730/-was issued only for closing loan account no.[protected] and has been encashed by you and you had received your payment by encashing that cheque No.095590 of Rs. 44,730.00 on May 30, 2008.

Sir ,if they found Rs.44,730/-in that cheque No.095590 were not suffient amount to close the loan account no.[protected] .They should returned the cheque No.095590 of Axis Bank Ltd. Sector-5 Dwarka New Delhi-110075 of Rs.44,730/- to me by marking it was improper amount as foreclosure charges were not added but you did not returned that cheque No.095590 and encashed that cheque No.095590 of Axis Bank Ltd. Sector-5 Dwarka New Delhi-110075 of Rs.44,730/-and accepted that payment on May 30,2008. Hence i categorically say that loan acount no.[protected] has been closed properly with my request no.SR67861477 generated by your executive for closing loan acount no.[protected] .
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from External Ombudsman<external.[protected]@icicibank.com>
to subash paliwal <[protected]@gmail.com>
date Mon, Jan 25, 2010 at 4:19 PM
subject RE:'ICICICARE=[protected]' To examine customer-issues and provide an unbiased resolution
mailed-by icicibank.com
hide details Jan 25 (5 days ago)

Dear Mr Paliwal,

Due to certain technical error at our end the previous e-mail sent just few minutes back went to you. Please ignore ,as the e-mail is not meant for you .

We shall respond to your query at the earliest.

Sincerely,

S Gopalakrishnan
Office of External Ombudsman