[Resolved]  ICICI Bank — Faud, Cheating by ICICI

ICICI bank cheated me in 2007.
I got a call from ICICI bank last year offering me a loan amount of Rs. 1 lakh.
I got the call from Miss Janet from the phone no[protected].
At that time some of my freinds got loan at 14% interest reducing rate.
She offered me Rs. 1 lakh at 15% interest reducing rate.
After a few day, their representative came to me to get the application signed.
There were so many places to sign for me. I started signing the paper and suddenly saw that the rate of interest was written as 19% on the application form. I told him i am not willing to take the loan if it is more than 15% and asked him to return my papers (company id card xerox, address proof and so on)
He said he will call back and went . Next day, Miss Janet again called me that the rate of interest was changed. I told her to return my papers. She called me again and offered me at 17%. i told her i dont want any loan and requested her to return my papers. She again called me and offered me at 15%. I told her what about the application form where the rate of interest is written as 19%. I told her to bring an new application form. She said it would be taken care of and it would be changed to 15%. I had not even signed at all the required locations of the application form. They didnt even bother to give me the acknowlegement reciept of the application form. The acknowledgement slip should have been torn from the application form and given to me.
I never thought that ICICI would cheat me as I thought ICICI was a big brand.
They even didnt bother to give me my loan ID and a customer copy of the aggrement or application form the reason being that I would come to know that they were actually charging me at 19% instead of 15%.
They deducted the EMIs from my bank account every month automatically.

In may 2008, I happend to call the bank to enquire how many more EMIs I needed to pay.
Just by chance, I asked to reconfirm what the interest rate was. The customer care executive shocked me by telling that it was 19%. Since that day I have been calling them to reduce the amount and have spent a lot on my mobile bill. They gave me my Loan ID (LPNG[protected]) and sent me a xerox copy of the Application form. In the application form they had crossed 19% and changed to 17%. Again 17% was crossed and changed back to 19% again. In the space for EMI aslo they crossed and and changed the EMI amount. They refused to entertain me by saying that my loan was arranged by Agent chosen by ICICI and they have severed ties with the agent. I objected to that by saying that if they had authourised the agent to be their partner and the agent commits fraud, ICICI is responsible. At the time of giving the loan, they only said that they were from ICICI. Evevn now the acknowledgement slip of the application form is blank and i have the xerox copy which they sent to me last month.
They now say that my signatures are there and they cannot change the rate to 15%. There is a signature near the area where 19% was changed to 17% and again changed back to 19%. I told them that the signature was not mine. They said they cannot change the interest rate under any circumstances. I told them I would file a case against the bank. Then aslo they said they wont change the interest rate.
Not even in my wildest dreams, I never thought that ICICI would go so low and cheat their customers.
It not only about money now. I want to teach them a lesson.
Please give me any advice what steps I should take. Sould I consult a lawyer and report to media .

Thanks
Maibam Susanta Singh