[Resolved]  ICICI Bank Limited — HARASSMENT & OVERCHARGING AGAINST HOME LOAN ACCOUNT

Address:

North 24 Parganas, West Bengal

I am suffering after taking ICICI Bank's Home Loan. At the time of processing the home loan request they behaved very nicely and extended personalized quick service to get me in trap. After becoming a loan customer of ICICI bank they forgot about customer service.
I had taken a home loan of Rs. 1338000.00 from ICICI Bank Home Finance Pvt Ltd. at Kolkata in 2002. I have been paying EMIs as per their advice through my other bank (HDFC) account's cheques . The Post Dated cheques (PDCs) of HDFC bank were given to ICICI Bank in advance. PDCs were getting cleared every month. After five years, the bank's call centre fellows started calling me up stating that there was an outstanding payment due to bouncing of a cheque. On checking with ICICI bank they informed me in writing that a particular cheque of November 2002 had bounced. I checked up HDFC bank and found that the cheque in question had never bounced. I produced documentary evidences to ICICI Bank's customer care department several times. The matter was even referred to ICICI Bank's customer crae Nodal Officer Mr. Tadikonda. Every time I received standard replies that they would reconcile my account and resolve the matter shortly.
Almost four years have passed since I registered my first complaint. Therafter, I have been following up regularly with ICICI Bank’s service branches at Central Plaza, Kolkata and subsequently at Sector-I Saltlake, Kolkata and also with the Customer Care Department of ICICI Bnak, but till date neither they have reconciled my account nor they have given any explanation for claiming the purported outstanding EMI. On the contrary, they have posted overdue charges against the purported outstanding EMI and debited the purported outstanding EMI & overdue charges from my ICICI Bank's S.B. account without my consent.
I request for suitable advice for further course of action against ICICI Bank authorities who have caused such harassment to me, not reconciled my loan account for so long and charged extra amount by debitting initially Rs. 19041.00 and subsequently Rs. 17731.64 over and above my regular EMIs payments from my bank account without my consent.

Regards,
Devjyati Biswas
Kolkara
[protected]
13/03/2011