[Resolved]  ICICI Bank Ltd — Complaint against the ICICI Collection agency harassment

Sub: Complaint against the ICICI Collection agent harassment- Mr.Vijender Singh (Vicky)

Dear Sir/Maam,
As per my conversation with you I need to bring to your attention my experience as an ICICI Bank customer.

My name is Ms.Sonia Mazumdar residing at B-3/139, 2nd Floor, Paschim Vihar, New Delhi-1100063 had availed of an ICICI Bank Personal loan just 1 year ago. My loan number is LPDEL[protected]. I have been paying for the past one year and now in the month of Feb'09 I decided to close the loan and interested to make necessary payments as I am out of Job in this current economic slowdown. I have written letters to state the same.

I somehow missed one instalment. That's when my trauma started. My aged parents were subjected to unending calls asking for the money.

Please note that right through this process that started in the last of Jan'09, my parents were subjected to an endless barrage of calls asking them to deposit the money 'immediately'. Even after informing the caller of the situation, the calls did not end and at times were threatening in nature.

These recovery henchmen calls anytime on phone, mobile, irrespective you are sleeping in early morning or late night. They came in group anytime, gave several personal visits insulting her in my home, society and also followed her. The lady (My Mother) in her forties was trembling and today is suffering from, permanent incurable phobia due to ICICI Bank recovery agents. My mother had ruined her mental and physical health both because of horror of ICICI Bank recovery agents. Today she is suffering from much health related tensions including insomnia because of ICICI Bank torture for the agony caused to her.

This is a serious concern, I and my aged mother has been harassed by these people of ICICI bank (Profin Management Consultants Pvt. Ltd -Patel Nagar-New Delhi - A collection Agency of ICICI Bank). The Name of the executive is Mr.Vijender Singh (Vicky). His fraudulent mobile number is [protected]/08. Infact he refused to show his identity proof and any contact information related to him. One of the numbers that he gave is an incorrect number-[protected].He also refused to give his supervisor's number.
Some illegal acts done by Mr.Vijender Singh.

1.Shouted at my mother and gave her mental torture.
2.Used foul and raw languages
3.Gave threats and was very abusive.
4.Taunted and tried to humiliate.
5.Done some indecent act –snatched my mother's mobile to talk to me.
6.He was adamant and said that he will come in the night time to disturb till the time we do not pay him.
7.He was very rude and harsh and kept on shouting- even though she (my mother) said him that she is a heart patient.
My mother gave him a date to come and collect the payment but he was shouting and saying that he would sit at my place all day till the time we don't pay him.
And to mention a few words that he used, have a glance at the following utterances of that person –

1. "Jab tumhari paise wapas karne ki aukaat nahi hai to fir loan kyun lete ho"
2. "Ya to payment kar de, warna bahut tarike hain bank ke paas paise lene ke"
3. "Ek o tu payment nahi kar raha hai, aur upar se pooch rahi hai ki identity card dikha".

These are not the only statements that the bank executive used, but were also accompanied by an offensive and abusive behaviour and language, which is legally and ethically against the Human Rights and Indian Penal Code.

I am filing a case in this Consumer Grievances Redressal Forum Delhi and had appealed this court to make ICICI Bank and their recovery officer (collection agency- Profin Management Consultants Pvt. Ltd Patel Nagar-New Delhi - Mr.Vijender Singh (Vicky-The recovery agent) mentioned above and agents involved compensating her for peace and happiness. I am also filing a case in Banking Ombudsman site www.bankingombudsman.rbi.org

I am attaching a said rules released from RBI so that consumers can get awareness where to go if they are facing same traumatic tensions or experiences due to financial institutes. An appeal is also be made to President of India and PIL should also be filed in Supreme Court about the Financial Institutes or Banks like ICICI (collection agency- Profin Management Consultants Pvt. Ltd Patel Nagar-New Delhi - Mr.Vijender Singh (Vicky-The recovery agent) who misuses power of Section 138, 420, 406 on innocent clients. As because loans are taken by peoples to improve self quality of life and not to spoil own career. Circumstances at all time do never remain the same.

However during the course of loans, paying EMI - Business, health, and services can cease or pause, Natural disasters, casualties, diseases, accident, incidents, profit and losses are beyond human controls and bank should understand it. Wise bankers should not consider every client as cheat or slave. During such situation if the client fells, Bank should cooperate and not traumatize and humiliate their customers. During such destiny laid stages, if the bank could not support the hospitalized client (loan taker) on ventilators at least it should also not try to pull the tubes of oxygen.

In all fairness, ICICI Bank should have at least checked our credit worthiness before going on this harassment and hounding 'rampage' till we had no option but to carry out our own investigation and point out the problem your Bank.

I want a written statement stating the action taken against Mr.Vijender Singh (Vicky-The recovery agent) and strong action against all the people involved ICICI bank (Profin Management Consultants Pvt. Ltd Patel Nagar-New Delhi - A collection Agency of ICICI Bank). The Name of the executive is Mr.Vijender Singh (Vicky). His so called mobile number is [protected]/08 otherwise I will go to the court of law/consumer forum, circulate the message to the news groups, and caution all my friends about the incident.

We hope that you take note of this experience and prevent the same from occurring again.
A copy of his letter is being sent to following people/email ID's –
[protected]@aajtak.com - for necessary coverage
[protected]@indiatv.com - for necessary coverage
[protected]@zeenews.com - for necessary coverage
Some actions taken by RBI
Note: Wednesday, April 18, 2007
Allahabad High Court verdict against use of Gundaas by ICICI

Here's a verdict by Allahabad High court against ICICI Bank's illegal methods to use gundas to manhandle consumers for recovery of loans
Pl read this link
http://www.allahabadhighcourt.in/ejurix/servlet/WebViewJudgementDirectly?method=...⇄
Note- Pl find the attached RBI Guidelines for the recovery agents.

Yours faithfully,
Sonia Mazumdar
Sonia.[protected]@gmail.com
[protected]