[Resolved] ICICI Bank — WRONG COMMITMENT OF EMI | |
ICICI Bank has offered a pre approved loan of Rs. 150000/-. I was in need so accepted the same. The promised EMI was Rs. 7419/- by the bank, but now they are charging Rs.7681.92/-.In which they service tax is added but they always communicated that my EMI 7419 is inclusive of everything. They never mentioned about the service tax over EMI. I've informed the same to bank on 4th of July'2007 first followed by 4 more reminders. Finally when i told them to go to court they reverted that my complain is not genuine on 29th' July' 2007. From that date bank has given me 119 reminders for the payment and everytime i had requested them to sort out the same issue but no action has been taken. ICICI Bank with such a big brand name has tortured me mentally. I'm looking for justice. Kindly look into the matter and do the needful. Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 1 Comment | |
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ICICI Bank Towers, Bandra-Kurla Complex, Mumbai, Maharashtra, India - 400051
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Respected Sir,
subject- Regarding Payment of EMI through ECS
I had an account with Bank of Punjab and that I was using to pay EMIs of my Loan taken from ICICI bank with ECS system. Later, The Bank (Bank of Punjab) changed to Centurion Bank of Punjab and then again merged with HDFC Bank. Due to this instability or changes perhaps my saving account got mismanaged by the bank. Consequently, despite adequate balance in my account the ECS payments that had to be made to ICICI bank against the Loan started getting bounced. And right after every bounced payment executive from ICICI bank used to visit at my place to collect payment including penalty, I experienced that kind of scenario almost 15 times. Just after that all I decided to settle my further EMIs from my ICICI bank’s saving account itself and I have made 7 successful payments till now. So far so good, but later I got to know that every bounced payment which I used to think is not my mistake, was impacting me negatively in the background without my knowledge. Means, later when I again applied for yet another loan from ICICI Bank, I got to know that I have been enlisted into the list of “CIVIL”.
So with all due respect, I would like to say the entire story-line is the result of my former bank i.e. Bank of Punjab turned to Centurion Bank of Punjab to HDFC Bank and of course my own lack of awareness. Also I was my first experience of taking and paying back loans. Moreover, I am hereby making sure that the same will not be repeated again in future since I have already learnt a lot from this phenomenon. As a final world I humbly request you to please kindly remove my name from your civil-list ASAP.
Some of my particulars regarding the Issue:
Name: Anil Kumar Gupta
Loan Number (ICICI Bank): LBNOD[protected]
Loan category: Housing Loan
Saving Account Number (HDFC Bank, Sector 16, Noida): SB4869
Saving Account Number (ICICI Bank, Sector 18, Noida):[protected]
Address: 184A, Block D-1, Sector 52, Arawali Apartment, Noida: 201301, G.B. Nagar, UP.
Mobile No: [protected]
E-mail ID: [protected]@rediffmail.com
Thanks
Sincerely yours,
(Anil Kumar Gupta)