[Resolved]  ICICI Bank Ltd — bouncing of Pre Approved Loan in form of Demand Draft

Dear Sir,

I am a regular customer of ICICI bank credit card from last 18th months (approximately) and having an ICICI bank gold credit card with number ending xxxx-xxxx-xxxx-1006, and around ten days back I got a call from ICICI Mumbai branch (Tel:[protected],[protected] and they told that I have an pre-approved loan available on my credit card of Rs. 49, 400/-, they told if you want the loan then confirm the verification and I had done the same. And on Monday 16th of June 2008, I got the banker’s cheque of Rs. 49, 400/- and I had deposit the same in my saving a/c held with State Bank of Saurashtra(SBS), East Punjabi bang, New Delhi-110026, generally clearing was made with in three working days and on 18th of June 2008 (3rd day of cheque deposit) by the chance I was in my bank and I was told by the bank employee that your banker’s cheque of ICICI Bank has been cancelled by the ICICI Bank, Jhandewalan branch (Slip attach on banker’s cheque). And employee of SBS bank returned me the cancelled bankers’ cheque. Then I called ICICI bank customer care and after so many calls they had told the banker’s cheque is still active as per their record and I can re-deposit the banker’s cheque in my saving a/c, but the cancelled cheque (lying with me) had written with red pen cancelled on it can not be re-deposit as I think so, then they told if you want a new banker’s cheque then place the request to cancel the previous banker’s cheque (which one is already cancelled and lying with me) and then they will re-issue new banker’s cheque to me with in four working days (Ref. No. SR70077991 dt. 18th June 2008) and I have no more option left so I had request for the same because when they called me first time for the loan then I plan something for my personal need and committee some people to give there payment around 19th or 20th of this month, now I am mentally disturb by all these because I am gone to face many trouble and it cost to down my reputation in the market. Further to tell you that after cancellation of banker’s cheque my bank SBS has charged Rs. 70/- as cancellation charges from my saving a/c no. [protected].

The new banker’s cheque is credit successfully, but who’s liable for all the harassments caused and bank charges which is debited from my saving a/c

Sir I request you to kindly look into the matter and punish ICICI Bank Ltd. for all the harassment.

I just want a justice from your good hand.

Sandeep Khanna
Harassed customer