[Resolved]  ICICI Bank Home Loan Dept. Nashik — worst service of ICICI home loan dept nashik

To,
The costomer care,
Icici home loan Dept,

From,
Applicant:1) Surekha jeevan Shinde,
VasantPushp, Ramdas swami nagar, Behind Gandhinagar,
Nashik 422006
Co-Applicant2) Mr. Jeevan Shinde,
VasantPushp, Ramdas swami nagar, Behind Gandhinagar,
Nashik 422006

subject: complaint about my loan proposal and the sanction authority

officer/Representative Mr. Avad and Manoj Khisti, in the Nashik Branch.


sir/ Madam

We under singed complained about dealy of our loan proposal as well as

the wrong attetutd with us (as costomer) of your reputed Bank officer

or sanction authority or Represantative.

Point no 1: My self and Husband (Mr. Jeevan shinde)
want to purchase a Shop to establish our bussines. I am the permonant

employ of Samsonite company at Gonde. Nashik dist. And my husband run a

Maruti work shop at Nashik.so we want loan to purchase the title clear

shop which is located at shivaji nagar, narhar houshing so, Puna road

Nashik so, we went to the IcICI home loan dept, shanpur road for

inquiry. on dated 14th nov. 2007. there is nobody to intertain to us.

all are busy and say wait for 2 min. We spend the 2 hours there. and

then Mr. Khisti gave the document list and say please submitt this

documant after the procedure and clearance of the documant we sanction

the loan to you within 15 days.
Point no 2: Next day 15th nov 2007, same place we submit allthe document

(as per the list)to the Representative . he Say some person will come

for the personal and other titile of property verification then we tell

you how much loan would be sanction to you.we belive the words on your

represantative because of the good reputation of the bank.
Point 3: The representative required more documents and freash

documents from us. we provide all the documents to him time to

time.Afte the 15th December, But your represantative not replay to us.

so we inquire to him about our loan proposal. He say " don't worry mam"

Definatly bank sanction your loan proposal.but he cant give me any

information about my file and say dont ask me or disturb to me, its a

very small amount of loan so i will call you
Point no 3: Whole december the representative cannot call to us. we

again ask him but he cant pick up the mobile. Then we personaly visit

to the sharanpur office. the same at the time starting we face the

problem. we spend the 3 to 4 hours but no one can tell us about the

loan file.
Point 4: In December end we meet to the representative mr. Khisti. he

replied that the loan will sanction very soon. Then I taken a suggesion

of bank represantative for hand over to the tokan amount of Rs 2lakhs

to the shop owner.due to the assurance of the ICICI Loan representative

to us. Then he said that its a lenthy process so within week your loan

wouldbe pass. and i give you a sanction letter.

Point no 5: In next year i.e. Jan 2008: whole january your

represantative cannot contact to us. when we ask on telephone he gives

the tipical ans " KAm ho jayega". dont woory. then last week of the jan

he told me that the problem is about your leave period.

Point no 6: Due to the major accsident of myself and husband in last

week of sept 2007. I was on medical leave. so, I claim for policy.

those insurance papers and official leave letter igiven to the

represantative as per the requirment. That time i told him to tell me

very fast and dont waste my time. immediatly inform me about my loan

proposal. I had already given a tokan amountto the shop owner because

of you. but whole week he cant replay. Again telephonic talk with him

he says "file upar bheja hai" Mr. vaibhav Avad will dicided about your

sanction of loan.

Point no 7:Mr. Avavad is the care less person. His attutude towards to

costomer is too rude and always shows to customer that he is too busy

person. Many times my self and my husband tried to meet him. but always

he refused to meet. every time he gave the new reason to avoid the

meeting. Then he not pickup the phone of clients. then we send the sms

to him but he gives the no of mr. ashotosh. ( when I call to the

ashotosh he says that we dont know mr. avad is dicided about your loan

proposal) then give the DHAMki to my husband dont call.we will tell

you.

Point no 8: Mr. avad told us in whole feb that file is not with me. it

goes for higher authority. give me a two days time i will conform you

about the loan proposal (sanction or not sanction).

Point no 9 : Then i ask to represantative can i loged the complaint to

the icici cost care? at that time he said that u dont do that other

wise mr. avad is refuse the case. and privelled me to loged the case.

Point no 10: mr. avad again weast the time. then i told him at that

time he told me that why you are depend on ICICI? you apply at any

other finance company? then i surprised this person is not faithful to

our company then how he faithful to the client?Then we meet to the Mr.

narkar.(again suggested by mr.avad to avoid the meeting). At that time

he we see out file their are too dely for remark and i was submitt the

papre in nov 2007 but the file prepare in Dec 2007 then the file in the

ICCI bank primises at that time mr. Avavad peposly telling lie to him

that file not here it would be passed to the mumbai and pune offices

for sanction of higher authority.

Point no 11:In the middle of march i.e. 14 march 2008, Mr. avavad is

pass the msg to my reletive that the file is not sanction my loan

proposal. I dought that this is not sanction due to me strong attetute

against the delay of proposal. Then i asked to Mr. avad that can u tell

me why my loan proposal is refused by your senior and you. at that time

he told me that, soory we cant the disclose the reasons of refusal.
is this any policy of bank ? or mr. Avad telling lye. as well as i

asked him tell me the reason of such dealy? he say that is also not

policy of our bank?
is it any policy of bank?
if it so then you hide from the customer about their files. this is

against the right of information.
in the icici there is no list or name plate availble for RTI officer.
I very much belive in ICICI bank but this type of officer and

representative as well as team member not give a fame to farm, but sham

to the firms name and reputation.

if you inquire then my self and my husband give the payments of

phonecalls statement charges and all.

okie.

hope the costomer care people are not like that I belive on them
Just like I belive in ICICI bank. I am the account holder of the bank

since last 10 to 12 years. but I never face such problems.

For the delay and not giving reasons I goes under phycological preasure

as well as due to the rough language of your officer I fell the

nervesness.

I was read in the local news paper and the media about the nashik

branch people recovery and the distrubution of loan dept people. they

ar really not help to the costomer.so nashik home loan branch is not

good.


hope you replay me. i given a complaint to consumer forum as well as

the same email pass to my friends to beaware about nashik

branch.written complaint is submit to the nashik branch office.



Thanking you.


sau surekha jeevan shinde
jeevan vasant shinde

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