ICICI Bank — Debit my A/c. with Rs. 80400/- without any initamaiton and still not closed the loan

Address:

Delhi

Dear Sir,

My Name: Umashaneker Pandey

The root cause of the entire dispute had started by the Bank long back of which all correspondence documents are yet available with me as evidence and can be produced in case required?

On behalf of my salary A/c. with the bank and very clean record, the bank had given me a credit card and a personal loan. I was paying the EMI of personal loan without any fail for contentious 12 Months until, the bank made a debit of Rs. 8000/- without any intimation to me. While my enquiry, the bank had replied that the debit was done against Rs. 500/- was due. Although I had paid entire dues long back wherein I was not able to receive Monthly statement. Also I was not using the card by giving intimation to the bank therefore no transection was made for the last 12 Months by the card. Therefore I asked the bank to review and refund me the undue charge was debit by the Bank and close the card. After so many follow-up with the bank, they closed the card but did not refund any money.

In this situation, I informed the bank that I will be bound to hold EMI of personal loan until my issue gets resolved. But no action was taken by the Bank therefore I had stopped paying the EMI. Still my intention was not hold EMI but to get solution therefore it kept on happening that I stopped and again started paying the EMI on I used to get a verbal commitment by the respective representative that they will provide me the solution later on.

Meanwhile it reached to the stage of closure time of this personal loan came very nearer (Feb’12) by which I wanted to close this and the bank also advised me the same. But I was not willing to take any waiver on (Principal + Interest) offered by the bank and also was not in position to pay entire EMI outstanding mount (Rs. 2.18 lac) in 4 Months only. The bank representative Mr. Rudra Sen and Mr. Pawan Joshi advised me that I will be paying entire EMI outstanding therefore they will easily get and extension / revised latter later on for two month s by which I could pay 100%. Therefor I agreed and gone for the settlement. As per the discussion, I kept paying approx. 50% of my salary each month and had already paid Rs. (1.38 lac) in this 4 months of settlement tenure.

The same representative informed (Mr. Rudra Sen and Mr. Pawan Josjhi) informed me on 27th of Feb-12 that they will be able to get me the revised later by a week time after which I have to pay the balance outstanding Rs. 80470/- by the end of March’12.

I get a surprise message on my mobile on 29th Feb-12, the day when my salary was credited to my A/c., “Salary credit Rs. 93876/- and net balance (-60500/-)”. While I immediately enquired with the bank, it was again a lien marked by the bank of Rs. 1.54/- lac which was a total balance including bouncing etc. charges. While I ask the representative that how it has happened, he said please approach the customer care as we can’t do anything now because it’s done by some other team and they had rejected my request to get you the revised later. Further I got another message on my mobile the same day that my A/c. is debited by Rs. 80470/-.

Please notice that I had sacrificed my earlier debit of Rs. 8000/- and made a settlement to pay 100% EMI to the bank because my intention was never bad. And as per the discussion which I had with the bank representative (Mr. Rudra Sen and Mr. Pawan Joshi), I was already willing to pay the balance amount of Rs. 80470 in two instalments till Mrach’12 as to close the loan of which Rs. 1.38 lac already paid within 4 months against the total EMI outstanding was 2.18 lac? Also I was not so ahead of the closure of this loan period is (Feb-12).

This was in process and I was expecting the revise latter as per our mutual discussion earlier but the bank marked a lien to A/c. and further debit of Rs. 80740/-?

Now even after the bank has recovered the principal and interest yet not closed the loan. And while my inquiry they replied me that the settlement stands cancelled because 100% payment was not made on time. And loan a/c. is active with imposing an additional charges of rs. 75000/-.

While I written to that quality head customer care ICICI: they also songs the same story after taking 10 for internal verification?

This simply because of intention of the Bank is to make further debit from my a/c. as they have been doing this since 4 years’ time.

I'm really harassed by ICICI bank Now I request to you kindly intervene as to get me a compunsassion against such harassment made by the Bank since 4 years.

Why not the licence of such dishonest banks should immediately be cancelled?

Also the bank should not debit any rs. From my salary a/c..?

And provide me a no dues certificate ASAP to close this issue?

In case I don't get a solution ASAP, I’m feeling like supressed and humiliated which is leading my life under threat !

Kindly help !

Regards
Umashanker Pandey