[Resolved]  ICICI Bank — Credit Card Collection Department

I have followed ICICI Bank collection department for many times, but these guys don't know how to talk and don't stick to their words. I was making payment regular on EMI basis, 2-3 times i failed to pay amount, then suddenly they auto debited all my salary from my account and my account balance turned negative -52K. After that they tried to threat us in diff ways and dropped me following mail. Please guide me how to deal with this BANK, as i dont want to be in defualt..I'm very tensed in this regards,

Regards,
Prakash

Please guide me.. [protected]@gmail.com
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Dear Mr. Singh,

We have registered your request regarding settlement of your credit card outstanding dues.

Please make note of the Service Request SR57131516.

One of our collection executive will contact you within 7 working days for further proceeds.


Looking forward to your co-operation.

Sincerely,

Rasheejulla Baig Meerja

Account Manager

ICICI Bank Limited

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records online. To do this, log on to credit card Internet Banking, click 'Change of Address' under service request or download the Address Change form from our website http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.

Safe Tip: Remember your passwords and do not tell anyone else, be it your close relative, trusted friend or even your banker.



-----Original Message-----
Subject: Credit Card

Branch Id : 0002 Account Id :[protected]
Hi Sangram,

This is in reference to your mail i wish to inform you that i have
tried so many times to settle the dues with the collection department but they dont stick to there words,then how can you expect me to settle without any correct information.

Whenever my EMI was due i used to pay on time,it was only ones or twice that i was unable to pay whole EMI due to financial problem,even then i managed to pay minimum amount due.

They activated my auto debit functionality with out even informing me"How will one survive if
hie whole month salary is auto denited leaving him with nothing to
spend whole month.....what will you say on this...........?????????"

Secondly,my card limit was 50K abd though i payed 22K they are still sending 63K bill.

That time i was managing,i went in personnal to talk to the collection department people,gave my visiting card and mutually agreed on settlement....but the very next day i was told that it was not possible.

Now i dont have all that money to settle 63K more after paying 22K,how
will one afford 45K shopping for (63K+22K)=85K.

Due to there behaviour i was not interested in talking,i have all the converstions and mails.

I dont need to hide or feel glad in including my name in defaulter list even though i was paying fine.

Still all i can do is settle my principle amount.I was always ready to do that....because i think if bank facilitates me in shopping and in need....i also must pay the due amount ......................But please be genuine and tell finally if this is acceptable on knowing the whole scenario.

Thanks & regards,
Prakash
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This is regarding your ICICI Credit Card Payment which has an outstanding balance of Rs.65887/-.Its very disappointing to note that
Despite repeated reminders for the repayment of the above outstanding balance we have not received payment from you. We would like to bring to your
Attention that unless full payment is made within 06 days of this mail we would-be forwarding a legal procedure against you, further more a record of
Default will be made in the Defaulters list, which is being shared, by all Banks and Financial Institutions. This will adversely affect your Credit Facility in future. Rating
Now legal formalities are strong from 15th of January 08. So please clear your dues before 20th February.

Please call or revert the mail immediately to settle your account.

Action: An Nonbailable Warrant would be issued if there is no revert or any contact.

Option: To clear all the outstanding as soon as possible.


Jr.Advocate
Sangram Bhakre
[protected]