ICICI Bank Complaints & Reviews

patrol purchasing from HP outlet — extra charges debited

Dear sir,
I have purchased petrol for Rs 1000 from Indus agencies jaipur a HP outlet, but you have debited charge of Rs 27 on using cerdit card, therefore Please reverse the amount
. SHASHI PATANI
Holder of card [protected]

I also faced the same situation and bank gave me same non-sense excuse. How can a customer take care that the card presented to the HP outlet executive is swiped to some other bank's machine!!! I filled petrol from HP outlet (Bhosale Brothers) in Chikhali, Pune and found that surcharge has been deducted. ICICI bank is totally responsible for this activity if they are claiming that any HP outlet all-over India can be used to fill petrol without any surcharge. The deducted amount should be refunded back otherwise i'll be taking necessary legal action against the bank for the same.

ICICI wake up...else public is gonna make u sleep permanently

I am facing the same issue, ICICI Bankn Team please look into this matter.

I am facing the same issue, This really Sucks... How come they can charge for using own money...

Same thing is happening with me. ICICI is deducting Rs. 11.24 surcharge on fuel stations and even sometimes for payments to IRCTC also. Called ICICI but they are claiming it is getting credited to merchant's account...so they should be responsible...God knows who can help on this.

I am facing the same issue, ICICI Bank Team please look into this matter.even I am facing the same issue, How come they can charge for using own money..zubin ahmedabad Gujarat...

Dear Sir (Zubin),

We regret the inconvenience caused. Please write to [protected]@icicibank.com with your contact details. Our official will contact you and assist. Kindly refer '203811_aaam' in the subject line.

Regards,
ICICI Bank Customer Service Team

I am facing the same issue, ICICI Bank has deducted INR 24.41, 32.46, 37.67 in Nov 2014 under MCC Surcharge from BP petrol pump, Dwarka, Sec 12, New Delhi, How come they can charge without our knowledge . Deepak Rathore, Dwarka, New Delhi

Dear sir,
I have purchased petrol date 14.09.15 and 16.09.15 for Rs 390.00 &129.46 from IPS/SHAHID MUKE but you have debited charge of 11.40+11.40 Extra on using Debit card, therefore Please reverse the amount.

Dear Sir,

I also faced the same issue. I mostly used my ICICI debit card to purchase fuel in (Bharat/HP/Indian Oil) outlets. If I purchase petrol for 200 on 18/03/2016, they used to deduct the surcharge on 24/03/2016. For your reference I attached the screen shot of the statement.

Regards
Mohanraja

Well, now since govt implemented demonetization, still paying at petrol pump by icici credit card, surcharge is been calculated. When i spoke to icici representative, they said no such information ( no surcharge on fuel) is been updated from govt. I think ICICI bank employee lost their mind. In 1 way they send message for go e-payment and on other they deduct surcharge. If this goes on, then demonetization in full fledge is not possible in India.

Even the same issue for me I have filled the petrol of 200 rsand the amount was deducted 211.5 rs due to different swap machine. If this is the process then again cashless money will not be possible. I have now stated using cash to fill now. ever bank and seller want to earn money only by black. Location hp petrol pump, near mit collage, alandi. All are earning black money by other means. My mail I'd [protected]@gmail.com

Even the same for me, i m using ICICI debit card using filling flue but every they taken surcharge 2 RS minimum, this is not right without customer informing debits amount is not good for bank.

I cant understand what is harm of removing the fuel surcharge concept from debit or credit or even any other e-payment. All the bank are capable to remove the surcharge feature, but they wont do as they are getting 2-4% surcharge benefit.

I am fed up with policies between government and ICICI Bank rules. Government asking us to use card but on the other side I'm getting charged for fuel refill which I noticed recently. 11. 50 on each refill of 200 which I'm doing twice a week. I got the same answer like others above that my card is swiped on other bank machine. Being working in night shift how can I roam and find a petrol bunk which has ICICI machine even if how can I make they swipe in right machine. I really want to bring this to governments attention or go head follow my old ways o[censored]sing cash. Ph#[protected].

I have used ICICI debit card for filling fuel for Rs 100 and have debited with 100(on same time) + 11.50(after 3 days). What is this 11.50 charged for?

I am also facing the same issue with my ICICI DEBIT CARD, in this month ( MAY-2017) 3times surcharges are deducted from my account ( 11.5+11.50+11.50RS ), then y the gov. is telling to go cashless, when i used SBM DEBIT CARD their is no surcharges are deducted from my account . ICICI Bank Customer Service Team look at my issue .

Regards
Ravikumar T

I am also facing the same issue with my ICICI DEBIT CARD, in this month ( MAY-2017) 2times surcharges are deducted from my account. How come they can charge without our knowledge. Arunkumar.G Coimbatore

I have used (23rd March 2017) ICICI debit card for filling fuel for Rs 500 and have debited with 500(on same time) + 11.50(on 29th May 2017). What is this 11.50 charged for?

Dear Sir,
I have purchased fuel of rs.273 and surcharge will deduct from my account of rs. 27.32. what is the reason for this deduction .
please do needful

Thanks & Regards
Devesh Pandey

I am also ICICI Customer and My account is debited twice on same day Rs. 18 and Rs. 36 respectively... please help to resolve this issue.

I also faced the same issue,
This is not fair at all.

Same problem here .Used ICICI debit card for filling fuel for Rs 100 and have debited with 100(on same time) + 11.50(after 7 days). What is this 11.50 charged for?It was in HP petrol bunk .11 rs for 100rs petrol.Ridiculous.Full time looters ICICI.

I am also facing the same issue with my ICICI DEBIT CARD, this started in May-June for me each time i fill petrol using Debit card Rs. 11.50 some time Rs.11.56 getting deducted.

This is really very bad.

Thanks
Vikash

I am also facing same issue. I had used my ICICI debit card on 06th Oct., 2017 for feeling up the fuel from swaraj petrol pump, Hinjewadi Phase 2 Pune. On 10th of Oct. 11.80 rs was debited from my ICICI account as surcharged with comment surcharge dt : 06/10/17 mcc 5541.

I have used ICICI debit card for filling CNG gas of Rs 296 and have debited with 296(on same time) + 11.80(after 6 days). What is this 11.80 charged for? When I use PNB DEBIT CARD their is no surcharges deducted from my account. I think I have to stop using there debit card from now on i will only use PNB, SBI card. ICICI this is a serious concern look into this matter.

I am also facing same issue. I had used my ICICI debit card on 06th Oct., 2017 for feeling up the fuel from swaraj petrol pump, Hinjewadi Phase 2 Pune. On 10th of Oct. 11.80 rs was debited from my ICICI account as surcharged with comment surcharge dt : 06/10/17 mcc 5541.

I have contacted same to the ICICI bank customer care and they have raised two one by one and both the SR was closed by stating that We are unable to complete your request. and ICICI bank did not provide me the reason.

Moreover, SWARAJ petrol pump, Hinjewadi Phase 2 Pune is in the list of fuel outlets pumps where surcharge will not be levied.You can check the same from ICICI bank website www.icicibank.com_Products_Cards_Debit Cards_Choose your Debit Card_Personnal cards_Select the Card Type_click here.

Hence, My Surcharge for against this should not be levied by ICICI bank. This is clear mistake of ICICI bank and I have informed the same to ICICI bank on 30-OCT-2017 and they have assured me to provide solution and refund me back 10-Nov-17.

Still they have not credit surcharge which they have wrongly deducted from my account.

Hi,

I have ICICI - Coral Debit Card which I am using for last 2 years and I purchase fuel from M/s. AAR Kay Filling Station on dated 13./11/2017 which is HP outlet and they never charged me surcharge. Now all of sudden ICICI Bank debited surcharge of Rs. 28.63/- on fuel to my account without my knowledge.on dated 20.11.2017. The reason ICICI bank is claiming is that Petrol Pump cashier swiped my debit Card on other Bank's swiping Machine, isn't that ridiculous.

Regards
Ranu dubey

Hello,

I'm using the Business banking debit card for fuel purchase and today I noticed that we're being charged which reflects as 'Surcharge Dt:17/11/17 MCC 5541'. Why are we being charged for a purchase?

I want this issue to be sorted out!

Thanks,
Waseem

Hi,

I have ICICI - Coral Debit Card which I am using for last 2 years and I purchase fuel from M/s. AAR Kay Filling Station Kathua J&K on dated 13/11/2017. ICICI Bank never charged me any surcharge before on swiped my debit card on any petrol pump but now all of sudden ICICI Bank debited surcharge of Rs. 28.63/- on fuel to my account without my knowledge.on dated 20.11.2017. The reason ICICI bank is claiming is that Petrol Pump cashier swiped my debit Card on other Bank's swiping Machine.

Regards
Ranu dubey

I am also facing this issue. I used ICICI debit card for filling fuel of 520 on (27/11/2017) and when i saw the passbook on[protected] i am seeing they have charged something called surcharge of "11.80 Rs" on[protected]. Dear ICICI People please clarify what is this SURCHARGE.

These ICICI banks are making fool of the public. Its against the Governments ides of going cashless.
On filling up the petrol at a fuel station how can a customer look for HP outlets alone and how the hell on earth would he/she know that they use only ICICI swiping machines. This is a total ### and this would motivate people to go away from ICICI banks. This should immediately be addressed by the Top officials and concerned Government Representatives.
On top of it the CUSTOMER CARE executives does not know what manners are ?,

Dear Sir

Mysel[censored]mesh sharma stated that I have my account No ANWB[protected] with your bank at Panchkula Branch;Showroom No 6, Sector 11 Panchkula Haryana-134109.

I have given the request at this branch on dated 2 March, 2009 to start internet banking on above mentioned Account No.(Acknowledge receipt with me for the same)

On dated[protected]Sunday) i am out of station and i have required money urgently but my ATM card not working, machine give the message" yur ATM card blocked".I contact immediately to the customer care centre regarding tis issue and got the information that your ATM card blocked after getting the request (Request NoSR[protected] from your side on dated 06-03-09 although i have not gone the bank on this date.As per their convesation your card blocked, card cannot be unblocked and new card dispatched on 07-03-09 and you have given the payment of 206/- INR for this.



On dated 08-03-09 i am at airport and got such shameful that doesnt happen with me till date.

If such problem occured then this is shameful for such a big bank.

Secondly i am not given any payment for issuance of new ATM card(i have my ATM card which is valid up to 06/16 ) because i have not given any request;its your fault.



So kindly look into the matter and revert back ASAP.


Rgds/Umesh Sharma
Phone:[protected](Day time)
[protected](6.00 pm to 7.00am)

The ICICI is never going to reduce the loan rates for existing customers. They are the biggest cheat in the country. KV Kamath, the ICICI head and CII president is the number one crook...he speaks in the public that banker should reduce the interest rates, but his bank never reduce rates. There cheap strategy is to give loan at low rates to new cutomers and increase thereafter immediately after some months. They are openly cheating the customers of India. This is really pathetic that both RBI and Govt does not take action against there crook activities. The best think is all the customer of ICICI should protest aginst the bank in the front of RBI building, this will force the RBI to hear the ICICI customer problem and media will also get active. All the ICICI Home Loan Customers should transfer there loans to public sector banks. I know the ICICI create problems if someone tries to transfer there loans to other banks.

Everytime ICICI management says, we are watching the liquidity situation and will review the rates later on and then they never reduce the rates. This is just to divert the attention of the customers and the media. Irony, is that the KV Kamath says different thing and Chanda Kochar says opposite of that. This is because KV Kamath is the head of CII, he always says good thing but never delivers that. Funny part is he is saying banks should reduce rates, but his ICICI is not reducing the rates. I dont understand, why the cost of funds are not coming down for these private banks despite huge Repo Rate and CRR cuts by the RBI. They are just fooling everyone and earning huge interest income by not reducing the interest rates.

ICICI Lombard — Service tax are charged at higher rate

Dear Sir,

I have purchased a motor car policy on 26th February 09 from ICICI Lombard service tax charged on it is @ 12.36% where as, as per government notification the service taxes rates are revised wef 24th February 09 @ 10.30 %. Hence ICICI has take 2% extra service tax.

Request you to please look into this matter & help out.

Regards
Nikhil Kshirsagar
[protected]

Sir,

I had 03 loans form ICICI out of which 02 loans bearing no LBDEH[protected] & LBDEH[protected] had been paid completely but one loan amonting Rs 53384/- Agreement no LBDEH[protected] is still outstanding. This loan of Rs 53384 was disbursed to me for ICICI Lombard (.i.e. for Insurance of property). Now few month back I requested for cancellation of Lombard policy in response to which i was told by customer care of Lombard that they were paid only Rs 12605/- for insurance of property and that policy has been cancelled and against this cancellation Rs 6346 had been refunded and they are not aware of rest of loan amount i.e. 40779/- and inspite of cancellation of policy EMI is still being recovered from my saving account at ICICI bearing No[protected]. Kindly look into the matter and the balance amount i.e. Rs 40779/- be get deposited into my account to clear the outstanding loan.

Sir
My husband had taken lone from ICICI home finance at 1 march 2005.This lone agreement paper shown the free accidental claim policy but not give any policy document or policy no till date . Now my husband expired in an accident at 14 sep 09 .So I intimate the claim at 16 nov and your department received claim form and required document at 28 nov but they demand the policy document for settlement of lone so plz send me.



LONE NO LBBAR[protected] CLAIM NO 15100974 Shanti devi wo Let hotam singh
madhuvan colony civil lines badaun
phone no [protected]
[protected]@gmail.com

Dear sir,
With ref.of my appl.no[protected],
I got sanction on 24/8/09 loan of rs, 12, 85, 292 but i was totally misguided and cheated by your sales manager, Ajay menon, AHMEDABAD(FR.CODE-I-BANK)at the time of disbursement he told that ICICI-HFC has stopped disbursement and all files are shifting to icici bank, so again you have to go with entire process.Latter he stated that you can not get the loan by icici bank.
Now i want my admin.fee.Rs.7089 retyrn back, otherwise i am in process to move CONSUMER COURT AS WELL AS POLICE F.I.R against ICICI-HFC.
looking forward for your imdt.action.
Thanking you.
SANJEEV RANJAN
MO-[protected].

plz urgent my credit card all payment due pay copy im waiting 10 days sureshdas poonamdas vaishnav

+1

I have had the same experience. And the bank did not even notify me when they started penalizing me by charging a penalty fee. Is it unfair to expect a simple communication indicating that they are going to charge me a penalty fee?

While I did not even know that I had to maintain a certain balance!

I get conflicting statements from an ICICI manager saying the following,

You did not get a statement because you did not have any transactions in your account initiated by you. And I don;t understand how in the world I would have initiated any transaction when I did not have money in that account? In this case, I would like to know any transactions done on my account not initiated by me. The Bank doesn't seem to get this.

While I get all nonsense SMS/email/hardcopy from them, it some how seems difficult to send me an alert on this.

One of their employee even went to an extent that you should be polling your account for the min balance - Honestly there is such a huge oppurtunity here to keep the customer satisfaction high. Seems like this bank is not here for a longer run - Make money when sun shines...

We will be fools to bank on such a Bank!

FRAUD BY ICICI BANK FROM : VIKRAM GARG, BATHINDA, PUNJAB.

I ALREADY WRITE A LETTER TO ICICI BANK HAYDRABAD REGARDING OVER CHARGES AMOUNT FROM MY CASH IN SELECT ACCOUNT NUMBER[protected]. IN ACCOUNT ICICI BANK OVER CHARGE ME APPROX. 2000-00 AMOUNT WITHOUT ANY RESON OR INTERSET. A LOT OF COMPLAINT LOG TO HYDRABAD AND TELEPHONICALLY ON[protected], BUT THERE IS NO RESPONSE FROM ICICI BANK. I AM VERY MENTALLY SUFFER FROM THIS KIND OF FOOLISH SERVICES TILL DATE, NOW WITH A HOPE I AM WRITING A LETTER ON THIS SHELLTER HELP LINE TO SOLVE MY ABOVE SAID PROBLEM...

VIKRAM GARG

FROM BATHINDA
PUNJAB

Hi,

All,
icici Bank forward me a massage to i-min card. written in sms bank send a i-min card in my mailing address. but 3 month past i can't resive my i-min card. now massage will be regularly reseved behalf of i-min card but till i don't have any i-min card.

i am sending my details
name of pradeep kumar sharma
bond holder name :-kiran sharma

certificate no :-2001
no of bonds 2
distnctive no :[protected]

bond holder no:[protected]


name of kiran sharma
bond holder name :-pradeep kumar sharma

certificate no :-2002
no of bonds 2
distnctive no :[protected]

bond holder no:[protected]

till date i am not receive refund from ICICI BANK

Myself HEMA KOPPAKA is a holder of Money Multiplier Bond -0799-MMB Option II having one bond purchased on 25.08.1999 and maturing on 25.07.2018. Please give status of the same as on date.
Particulars : Bondholder No. 6106-337 Certificate No.332
Distinctive No. 421

Myself Srinivasulu is a holder of Money Multiplier Bond - 0799 - MMB Otion II having purchased 25.8.1999
Certificate no: 2477
Bond holder no: 6148-592

Pl let me know the way to encash the same .

Myself Naveen Reddy is a holder of Money Multiplier Bond -0799-MMB having 12 bonds purchased in 1999. Please guide us for encashment.
Certificate No.1642 to 1651 and 2679, 2680.
Mail-id [protected]@gmail.com

ICICI Credit Card — Wrong Transactions

Hello
I moved to bangalore 7 months ago from Hyderabad. I was using ICICI credit card. When i was in bangalore there were three transactions done on my credit card in hyderabad even though the credit card was with me( in banaglore). when i complained to ICICI and faxed the needed docs. they took 60 days to investigate and finally put the three transaction amount to me saying i authorised the transactions, which is very irritating and absolutely no logic.. I am shocked at this. I didn't even receive any call from ICICI during the investigation nor any docs
Kindly help me resolve this issue..

Dear Amarsimha,

We are sorry to hear about your experience.

Please write to us with your contact details and credit card number at [protected]@icicibank.com (Subject line: UID 309289). We'll contact you and work to address your issue.

Regards,
ICICI Customer Service Team.

My credit card no.[protected]

I am in receipt of your statement dated 25/02/2010, and I am shocked to find that the amount of Rs.1706/- debited towards purchases from M/s. Adyar Anandha Bhanvan under reference 75473440316000012923964 on 11/11/2010. Please note this amount you have already charged in your statement dated 25/11/2010 under the same reference number and the same was paid by me within the due

ICICI BANK IS A CHEATER BANK also its all associates

pls email my statement .sarabjit kaur 382 adarsh nagar, jallandar, panjab

ICICI Bank is chor bank, i hv also take loan from them. I am sure i will not be their customer in future..

ICICI Bank's Unfair Home Loan Floating Rate Policy
http://www.petitiononline.com/bagla27/petition.html

ICICI Bank's Unfair Home Loan Floating Rate Policy
http://www.petitiononline.com/bagla27/petition.html

Join ICICI Home Loan Customers http://finance.groups.yahoo.com/group/ICICIHomeLoanCustomers/

Join ICICI Home Loan Customers http://finance.groups.yahoo.com/group/ICICIHomeLoanCustomers/

f you are paying since 2006 pls check the balance tenure, that wont be less than the original tenure which you availed mince you lost all the money which you paid to the bank as EMI and now your tenure also increased and the loan outstanding also the same. In such case you have to shift your loan to the another bank. You may call at [protected] I can help you to save your money.

- Rajesh

ICICI Bank — home loan with high interest rate

RESPECTED SIR,
I AM FEROZ AZIZ KHAN .AGREEMENT NO LBAMI[protected]. APPLICATION NO.[protected]. TENURE 180 MONTHS.LOAN RECEIVED IS 4 LAKHS ONLY FOR HOME .
SR MY COMPLIANTS AND NEED A HELP TO PLEASE REDUCE THE R O I .
AS UR MARKETING PEOPLE HAD ASSURED ME OF 8% WITH THE FLOATING AND VARIANCE WILL BE 2.25% SO WHY NOW THEY CAN CHARGE ME 14.5% SIR I REQUET U TO PLEASE DO THE NEEDFUL TO ME BY REDUCING AS COMMITMENT OR PUISH THE FIELD STAFF OFM PRESENT LIKE COLLECTOR ID CARD NO 17377. WHO IS NOT HELPING ME BY GUIDANCE BUT JUST GIVING ME INFORMATION BY WHICH NOWADAYS I AM OING IN DEPRESSION OR CAN HAVE THE HEART ATTACKS OR FACE SOME ACCIDENTS. I NEED ONLY I CAN GIVE THE PENDING AMOUNT O[censored]RS IN TWO YEARS REQUEST TO PLEASE REDUCE THE RATE OF INTEREST. I WILL BE VERY THANKFUL TO U.MY EMAIL ID IS [protected]@yahoo.com SIR PLS MAIL ME BY HELPING ME AND GUIDING TO COME OUT FROM THIS SO LONG TENURE OF 273 MONTHS PLEASE.

harvinder kaur cust id-4992916
had lost my card despite of severl complaints have not recived new card [protected]

ICICI VBP — ICICI VBP phone bills

Dear Sir/Madam,

I have cancelled my ICICI credit card without even used for a single time. But i've been getting SMS stating that ICICI VBP will pay my phone bills. I can pay my bills, so it would be better if you inactivate my account as soon as possible.
my number [protected]

Hi,
I am Praveen, not getting my PostPaid bills at my billing Address.Regarding this i have raised issue so many times and also called so many times to Customer care for this they are giving(Courrier Service) bills without confirming my number and giving anothert number which is not working when i contact with customer care and taken that number, kindly attention regarding this

Thanks
Praveen
[protected].
AP.

The same thing happened with me. ICICI did not inform me about the charges. When I inquired, they say they they had sent a SMS informing about the charges. But I did not receive any such SMS from ICICI.

I think if they wish to charge for the service, the customer should be informed in advance and his consent has to be obtained for continuing the service.

They must inform and take consent of customer if their offer and actual differs.

I used to get my utility bills paid by the VCisa Bill Pay Service. With the introduction of a yearly fees, I decided to discontinue with this service. Calls to customer care are simply a waste of time. You cannot get through their automated system. I mailed a letter to them asking them to discontinue this service for me but no action has been taken. I continue to get alerts that the telephone bill will be paid by them. How do I make them DISCONTINUE the arrangement?

In disgust

Hi,
Last month I had registered my MSEB Bill Towards Visa Bill Pay, but no Alert message Came from your side, So look in to this matter immediately.Awaiting for your quick response.

same happened with me today...but the problem is i was well informed by them that this service is now a paid service.They had mentioned this thing alongwith the account statements that i get.But i think its a kind of fraud that they are doing.Even i was told that i will be getting cash back if i opt for this service which i have never got.M gonna cancel this card right now.ICICI sucks

I was also informed by ICICI credit card department that Visa Bill Pay service is free of cost and after 3 months they have charged me BILL PAY ANNUAL FEE of Rs 175/= (100+75) exclusive of service tax

On March 14th, 2009, I receivved a message from you that there is inssufificientr credit limit on my account. to pay a bill from Mahanagar Gas for Rs. 200/-

The statement which is on the computer right now shows that my last statement dated today, March 14th, 2009, Ihad a credit limit of Rs. 58, 000/- less Rs. 5, 599.52 to be paid. This leaves a total amount of Rs. 57, 440.48 in credit limnit unutilised. .

Either yuou have some funny people working for you who seem to have added another Rs. 50, 000/- to the amount due from me or they do not know the work.

If you do this once more, I will close all my dealings with you.

.

SAME HERE WITHOUT MENTIONING EARLIER THEY CHARGED ME ALSO (175+SERVICE TAX) I AM ALSO TRYING TO MAKE MY ALL THE SERVICES LINKED TO ICICI DEAD.

I want to stop the Max New York Life Insurance payment from now onwards.

Even after several communication it doesn't seems that you have any attention on your customers
i would like to stop ICICI VBP services immidiately this service is started without my permission and iam paying the bills from last 1 year un necessarily even that telephone no .is not mine .

its my kind request to stop the service immidiately

Atul Kulkarni.

i want to delete my icicivbp from my credit card, i dont wont to pay my ele. bill throuth icicivbp.

Hi,

I have noticed that ICICI VBP is charging my credit card for the bill pay services.I was told when I started this service that it is a FREE service, then how come ICICI start charging for the service without informing the customer?? This is a case of cheating with the customer and can be brought to the notice of Consumer Forum.Audience please agree or agree.

Requesting you to please stop this service immediately.My mobile number is [protected]

i have icicivbp for my M T N L phone no[protected]. I recd a msg from ICICIVBP on 31jul09 at 1724hrs
that i do not have sufficient credit limit on my credit card. It seems you are joking, i have too much credit limit on my card, you can chk better. It seems your system is not properly working. you better modify your system with well educated persons to operate system.pl clarify my complaint soon.

paresh mahajan [protected]

Enrolled for icici visa bill pay service for my cellular phone bil payment. having an Idea connection. The last bill generated and due on 5.02.2010 is still showing unpaid and not recd. any mesage for receipt of bill nor for the payment from ICICI Value bill pay services. Kindly veryfy the status and inform me immediately.

u failed to make the payment of my mobile bill (No. [protected]) due on 3rd Sept 2011, the vodafone charged delay payment. Again this month u failed to make the payment from my a/c. I want to discontinue your service with immediate effect. Pl do the needful.
Ajai Kumar Khanna
[protected]

Sub : Emi arrear

Dear Sir,
This has reference to Agreement No. LVCAL [protected] wherein I had taken a loan from your bank for purchase of vehicle ( Tata 407 Turbo; Registration no. WB41C 4395 ).
Due to certain unavoidable circumstances I was not able to make payment of EMI amounting Rs. 28, 014 ( payable @ Rs 14, 007 / monthly ).However, after having received your letter in the month of November in respect of my outstanding, I was about to regularize my account; when I was taken aback by your collection executive who informed that a further payment of Rs 5, 000 approx needs to be paid towards clearance of O.D. charges.
On such event, he was requested to produce a detailed statement of my account and discounting of the O.D. charges before any further payments, for which I was promptly promised, after a telephony conversation with his “senior”. But till date, neither the statement was handed over nor any news regarding waiver / discounting of charges.
Further, on the 8th of December ’08. with no prior intimation, the Vehicle was forcefully taken into possession from the middle of the road; by some agency who showed no proof but claimed to be working for your bank.
Sir, I had no intension to play foul by any means, nor did I want to hamper my pleasant association with your bank either not atleast for mere Rs 28, 014. All that was asked for was a simple statement and petty discount. Your men did not perform, they were at fault and now I am harassed made to bare all rot.
Non the less, even now that I am ready to clear my dues at one go and regularize my account. I am further imposed with Possession changes, Godown changes, Valuation changes, O.D. changes, Cheque Bounce changes, and an advance 3 months Emi and other unaccounted changes….all totaling approx Rs.1, 30, 000/-.
I believe, the above mentioned clearly surpasses the power and rights given by me under the aforesaid Agreement.
As I abridge, I wish to inform and confirm your goodself, that as a valued customer I agree to pay all my outstanding Emi as on date, at one go ( Rs 14, 007 * 3 = Rs 42, 021) and shall clear my further Emi on the respective due dates. I shall bear no further charges whatsoever.
In view of the said circumstance I do fervently hope and trust that your good office would appreciate the hereinabove and allow release of the Asset.
Thanking you.

dear sir /madam

my name is kiran rohidas suryavanshi i am the employee of i solution my EMPcode :33345 i want to know the status of PF

plz kindly follow the requirest

regards
kiran r suryavanshi
([protected]/[protected])

Dear Sir

I had worked in ICICI BANK LTD. Delhi in commercial vehicle department. Please proviode the PF status as i have sent this form second time, almost two years have completed . But I didn't receive PF amt till date . i was sent this form second time through registered post with AD on 29/01/2009 and i got AD stamped by RPFC RPFO Kandivali West Mumbai on 05/02/2009. Earlier my form was returned back for some mistake.

Pls assist me..


Submiited to : RPFC, RPFO
Kandivali West Mumbai


PF No : MH/47808/3956

DOJ : 01/ Feb /2006
DOL : 19/ July /2007

Employee Name: Pinki Gupta
Employee Code : C04235
Mobile No. : + 91 [protected], [protected],[protected]

i had worked in icici bank yogesh kathuria as se hisar haryana time to time fill the pf form and and sended to delhi i process and one time self presented and fill the form but still i am waiting approximately 1 & half year my pf amount is not release so kindly credit my pf amount in my account and mentioned in account no is pf form a/c is [protected] sbi hisar and my employee id 31340 any time contact me [protected]

I also have the similar problem, i have takes loan from HSBC bakc arong 4 year ago at the 7.75% aftre the lot of ROI iteration from RBI it touches the upper limit 13.75%, Now probloem is this they peoples still are not ready to reduce the Home loan rate, There shold be an authority he suppose to review these kind of ir-regularity from the banks

i agree with you, i have same problem with HDFC. I think all these private banks have their own LAW over RBI rules and only people like us are always paying for it.

I don't understand why these banks are not reducing interest rates for existing customer and the interesting thing is that govt and RBI are also not taking any actions against these banks.

Thanks
Mayank Mishra

Hi,

Stop barrowing money from HDFC, ICICI & other private banks. They lend the money very easily and hence it is a trap. No wonder the above two banks have 50% of mortgage loans in India.

The definition of floating is very skewed with private banks. Since private finanacial institutes does not come under the purvue of the RBI, the customer is at their mercy. Ofcourse these private banks don't have a face. A private contractor comes to your office and we happily sign the papers praising how great their service is. In fact they are screwing you in all forms.

Best is move to Public sector banks at least their definition of floating is at-least attached to RBI even though the time lines of floating are not defined very clear.

Sri

Yes even I too agree, My loan tenure is increased from 20 years to 44 years without even informing me.
Also there are no signs of ICICI reducing the interest rate. If they are short of funds then its better to switch the loan to some other bank.

Worst bank I have ever seen.

Regards

Vishal

Govt is also sleeping . May be ICICI bank gives huge donations to all the political parties.
Lets all o[censored]s form a Borrower's union and stop paying EMIs to ICICI bank.

I think the government must seriously look at the non revision of interst rates by Private banks.I dont understand they are different from private money lenders if such is their atitude.I have been a loyal customer of ICICI for the lat more thatn 12 yrs and I am paying thur my nose for my loyalty.

People will start losing faith in the banking system and the monitioring agencies.The government must stop all factilites to such banks such as lending money thru repo or accepting money thru reverse repo.

I took home loan last year at 11.75% from Deutsche Postbank (earlier BHW, even earlier Birla Home Finance) and despite lowering of RBI repo rate several times in recent months, Deutsche Postbank is not ready to lower the interest rate. Once you took a loan from these "money sharks" you are stuck in uninvited trouble for the life. Home loan laws are different in India than what is in US. In US maximum you lose if you stop paying the loan is your house. But here that is not the case. Here just "surrendering" the property is not going to be the end of the story. The bank will declare you broke and that after a painful legal procedure.
To Vivek, yes it sounds like a good idea to form a borrowers union and fight with the banks either to lower the interest rates or to stop paying the EMI altogether.

IS RBI Sleeping here?? Can't they take any actions on this issue? If not, do we need to modify existing terms & conditions under which private banks operate in India?? These issue needs to be politicized only then we can see some outcome.

I have the loan from ICICI bank and raised the questions and written to them as under. Even you can collect all the data that i have searched for and put in here such as the detailed discription of rate hike and reduction by RBI and comparision of the same with ICICI. We all need to come together and fight with ICICI.

letter details:
The problem with ICICI Bank Home Loan Finance has come at this time of recession, wherein RBI has aggressively come out with series of rate cuts (as evident from hereunder) followed by other banks to the interest rate varying anywhere between 9.0% to 9.5%. Unfortunately I still have the highest interest rate of 11% revised from 12.50% with effect from 10/03/2009.

Changes in Repo rate (%) by RBI is given as hereunder.

December 2006 repo rate was 7.25
December 2007 repo rate was at 7.75
Changes in the year 2008 as under:
June 2008 increase by 75bps to 8.50
July 2008 increase by 50bps to 9.00
Oct 2008 decrease by 1.00bps to 8.00
Nov 2008 decrease by 50bps to 7.50
Dec 2008 to decrease by 1.00bps to 6.50
Jan 2009 decrease by 1.00bps to 5.50
Mar 2009 decrease by 50bps to 5.00
2.75 in all


Changes in Reverse repo rate (%)

December 2006 reverse repo rate was 6.00
December 2007 reverse rapo rate was at 6.00
Changes in the year 2008 as under:
Dec 2008 decrease by 1.00bps to 5.00
Jan 2009 decrease by 1.00bps to 4.00
Mar 2009 decrease by 50bps to 3.50
2.50 in all

ISSUES WITH ICICI:

1. As evident from above, if I do the absolute comparison from the time when I had taken housing loan in December 2006 till date, there is an absolute reduction in the cost of funding. If I compare Repo, there is a reduction of 225bps and in case of Reverse repo, there is a reduction of 250bps. In December’06 I was charged interest of 9%floating when Repo rate is at 7.25% and reverse repo at 6%, so when at today’s date, Repo is at 5% and reverse repo is at 3.5%, why I am charged 2% extra from the initial rate of 9%? Not only that I am charged 2% additional, but I should be getting more cut if you compare with the cost of funding (repo/ reverse repo) as mentioned above. The cost of funds in absolute terms has decreased considerably as evident. You have charged hefty 13% interest on my housing loan considering above hikes as on December 2008. Which is highest compared to industry PEs. I have the argument that by December 2008, RBI had already given 250bps cut on repo rate. But no effect was passed by ICICI. why?

2. In the initial transit itself, interest rate is increased by 50bps in February 2007, another 100bps in April 2007, another 100bps in May 2007 which comes to 250bps by May 2007 itself whereas during that time there was no change in reverse repo, 50bps increase in repo rate to 7.75 and 100bps in CRR to 6.50. You have increased the rates at your own will even if funding cost has not changed much. How customers can be charged more when system is not allowing?! Is it so that since I have signed the agreement, I am bind to you and have given you the right to charge anything at your will? Or is it so that Bank thinks that customers will resist transferring the loan considering high transfer cost (2%+taxes). So customers will accept the small rises in interest rates every time done by you.
This requires explanation.

3. Reverse REPO/ REPO and CRR increase/ decrease has the same effect all across applying to all the banks. Hence the benefit of such rate cuts goes directly to the bank to be passed to customers as evident. Most of banks have given the benefit at due time. ICICI has not passed the pro rata benefit as evident from repayment schedule. The effect of first 50bps cut effective from January 2009 doesn’t excite at 13% interest rate.

Sir, kindly also note that since I didn’t hear considerable cuts from you, I inquired to ICICI bank borivali west branch and to my surprise they offered the scheme wherein rate cut will be revised to 11% from 12.50% provided I pay 50bps swich charges on the outstanding of my housing loan on that date. I never understood on what grounds and with what right I am imposed such charge? Rate cut is my right. And to avail my right why am I charged? The benefit which is given to banks by RBI is for passing it to customers or to charge more from them? But I had no option but to immediately go for it since I was told the offer was valid only till 31/01/2009 and it was mandatory to pay the charge to get the rate of 11%. I have attached the swich charges slip for the reference.

4. If ICICI business model is such that they can not afford to offer the benefit of rate cut to existing customer while considering other adjustments of banking business; it is absolutely injustice to me. And to rectify this injustice you should at least allow me to transfer my housing loan to some other bank at free of cost. At present I am charged hefty 2% plus taxes on my outstanding on the date of my transferring the a/c to some other bank. I understand such charges are imposed so that ICICI does not have to face injustice by customers. But what if ICICI does injustice to customers? It is absolutely unfair and intentionally malafide to take undue advantage of an existing customer who is absolutely loyal and have never defaulted or delayed any of the housing EMIs or other dues as evident from the repayment schedule.

RELIEF REQUIRED:

1. Reimbursement of the charges imposed on me to transfer the loan interest rate from 12.50% to 11%.
2. Logical refund of the excess interest of 2% charged to me till date of loan tenure.

AND

3. Allow me to transfer my Housing Loan to other bank at free of cost.

Government is considering giving the rate cut to encourage more towards spending and circulation of money to minimize the impact of recession on us. But ICICI is looking only your own advantage at this time too. It is evident that whenever RBI has hiked interest rates, ICICI have done it overnight, but now when RBI is cutting rates, they are not. ICICI Chiefs have often quoted that they need to wait and watch the effect of rate cuts before passing the benefit??

Such questions need explanation.

Kindly solve my grievances at the earliest to avoid further action.

Thanks,

neepa
[protected]

I think we must all contact Raj Thakare for this, because this is the only way left. give dharna in front of ICICI banks and force stop operation.this will sound louder and will be hear all over INDIA than wrting here on PC.thodi tod pod ho jaye.

I am also going through same pain

Only Solution is switch.

Bank of Baroda: 9 per cent - 9.75 per cent

Canara Bank: 9.25 per cent - 10 per cent

Bank of India, PNB: 10.25 per cent

Allahabad Bank: 10.50 per cent

SBI: 10.75 per cent

Indian Bank: 10.5 per cent - 11 per cent

Amongst these we have spoken to 5 banks which are willing to refinance home loans

Source : http://profit.ndtv.com/2009/01/16143637/Why-home-loan-rates-drop-slowl.html

ALLAHBAD BANK — change of interest rate in vehicle loan

Last year i have took loan from Allhabad bank for a car for the period of 84 months at the rate of intrest 9.50%, but after 11 months the rate og intrest changed to 11.25%. Can bank change the rate of intrest? i pay my EMI regularly.

Hi,

I dont know your mode of emi payments for your personal loan.
If its through ECS, then you can get your Loan no. if you check your bank account history.
The account history will have your loan acct no. for the corresponding emi amts
Else i[censored] drop cheques for your emi...the no. who write on the net will be ur loan no.
it will be like : LPCHE[protected]

Can the Personal loan (ICICI) emi be restructured if there is a genuine reason?

Please advice.

i am running a propritory concern which is into film, ad.film and serial production.
today we have roduced a film.whereby all my money is stuck hence there are some delays in making payments . there is no reason for me to hide or lie to the bank people. but the treatment which the loan recovery peoply give us is just horrible they in a gang of 3 to 4 people and have nasty conversations in spite giving them a date or a commitment . they have made thing too difficult to deal with.
is the bank unable to distinguish between genuine and frod people.
PLEASE HELP

Is the unable to distinguish between genuine and fraud people

[protected] settlement please

ICICI bank is cheating the home loan borrower.

I have been paying regularly and my bank statment is reflecting the story. But to my surprise ICICI dened the receipt of EMI. It happend with me not once but twice.

It happend once in 2005 and again in Dec 2008. I have got the bank statement to prove the point but still they are denying the receipt of the payment.

They even charged the interest on late payment of the EMI . In the current month they have teken EMI twice. I have filled the form for auto debit in last month and the exectuvie in the counter said it will be executed from Jan 09. So I have deposited the Dec cheque . Now to my surprice they have encahsed both the cheque also from auto debit. Above all they are dening the receipt of double recovery.

Satyajit Nath
Dwarka
New Delhi

I am also a suffering customer of ICICI, it is absolutely unfair and unjust treatment. On top of that bank has now launched a soft scheme for existing customers to convert them to 12% floating rate by charging a conversion charge of 0.5%. This is just a way to make money out of the existing customers. RBI should take a note of this.

Home Loan/ICICI Bank — NOT REDUCING HOME LOAN RATE FOR OLD CUSTOMER. CHEATING OLD CUSTOMER

ICICI BANK RESPONSE VERY SLOW IN TERMS OF REDUCING INTEREST RATE OF HOME LOAN.IRONACALLY EVERYBANK HAS REDUCED BUT ICICI. WHAT U R WAITING FOR??? SOME THING OUT OF WAY EXPECTATION FROM GOVT/...

ICICI ko to .. jutooo..chaploo sey marna mangta hai .. sab ka sab chore hai ..

par galti icici ke bhee nahi hai .. humari gov hee currpt hai to koi kya karay .. koi Law & order he nahi hai .. sab apni marzii to karangay he na bahii ..
but phir bhee thori sharam to honi chaiyee na .. icici to bilkul he besharm hai ..

http://[censored]icicibank.wordpress.com/

I have been observed that, why ICICI bank always decresing ROI for new customers and not doing for existing customers.

The ICICI bank not at al bothering baout exixting people and the bank itself forcing or encourage to move to other bank for exixting customers.
I have been waiting to see weather the anounce to decrese existing customers home loan. i hope ICICI bank it self encoaraging to change the other bank for existing customers..

Application No.[protected]
LAN LBCHE [protected]

Though I paid July month's EMI towards Housing Loan, I received SMS from ICICI that I have not paid EMI for the month of July 2009. Kindly check Accounts whether the July 09 EMI has been credited to your account or not and inform me accordingly. Please tell me the present rate of interest you are charging. The interest rates you are charging is not at all matching with the Press releases. Invariably, you are charging High Rate of Interest without even informing the customer. Is this the customer support you are giving to your valuable customers ? Kindly write in detail the present rate of interest and the interest you are charging towards my Home Loan. If any formalities are to be complied, kindly intimate me immediately so that I can regularise it immediately.

Also, I wish to state that I am not at all getting the transactions towards my Housing Loan. Kindly arrange to send it immediately free of cost regularly.

Thanking you,

T.D.MOHAN RAO