[Resolved]  ICICI Bank Home Loan — Home Loan Interest Charged from my ICICI bank A/C without Home Loan Cheque Disburshment

Ref: LBMUM[protected]

ICICI bank had disburshed Home Loan total for Rs. 16, 45, 600/- out of this
Partially Disburshed for the amount Rs.855212 on 11/07/2008 and started charging PRI-EMI and for remaing loan amount they hold me up to December 2008.

PreEMI Details 31/07/2008 = 5536
01/09/2008 = 8553
01/10/2008 = 8553
31/10/2008 = 8553
03/12/2008 = 8097
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Total = 39292

Forcefully they had charged PRE-EMI on me up to December 2008.

After requesting for application cancellation so that I can approach to any other financial institution and so many request finaly they released a cheque of Rs. 6, 90, 150 /- in favour of Flat Owner and a cheque of Rs. 1, 00, 000/-/- in favour of Me. (Akil Khan)

I told them I dont want Rs. 1, 00, 000/- cheque which was issued on my name. then they told me take it it is valid for 1 month if you will need in future then you can deposit it in your A/C or you can retuen it to Bank. if you will disburshed this cheque then only interest will be charged on this amount otherwise only on that amount which will be disburshed. i.e Rs.855212 and Rs. 6, 90, 150 /-

I didn't disburshed above cheque and returned it to ICICI Bank - Andheri Brach on Saturday 07/02/2009 by 6:30 pm and it has been received by Mr. Ashish Haude. then also they have charged interest on that amount.

EMI Month Charged EMI Exact EMI Difference Amount Charged
10/02/[protected]
10/03/[protected]

When I asked from Mr. Sagar Tiwari RO-Home Loans-
"Will you please give me the reason why bank had charged access EMI of (1049 + 1049 ) = Rs. 2098/-, If it is by mistake then how this differ amount will be adjusted?"
He told me to call on customer care No. 28307777, and customer care representatine is telling that, I will not get back this amount because you had accepted cheque of Rs 1, 00, 000/- and returned it by 10/03/2009
But the above Cheque I have returned to ICICI Bank - Andheri Brach on Saturday 07/02/2009 by 6:30 pm and it has been received by Mr. Ashish Haude .

Kindly Help Me.