[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] Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 67 Comments | |
Comments
ennkee chooddd doo bank vaalo ke
Reply
Dear,
This is being so long that issue is not been resolved yet. I would like to cancel my account from ICICI Bank. My uncle Mr.Deepak Marwaha who is also NRI from Germany has cancelled his account due to poor customer service of your CP branch.
Kindly cancel my account
Thanks
Janesh
[protected]
This is being so long that issue is not been resolved yet. I would like to cancel my account from ICICI Bank. My uncle Mr.Deepak Marwaha who is also NRI from Germany has cancelled his account due to poor customer service of your CP branch.
Kindly cancel my account
Thanks
Janesh
[protected]
ICICI Bank Ltd; — Laps and harrasement by ICICI Bank
That I would like to bring to notice that grave irregrularity of ICICI Bank Ltd and susequent harrase that it has subject me to.This is a case of premature persentation of a cheque issued by me on
dated 16 th Feb2010 Cheque no.449936 in the name of ICICI credit card no.[protected] however ,ICICI bank credit card negligently processd the check day prior on 15th february 2010 and rejected the pretext of insufficient funds in my account as a role should not have carried out the trasaction cheque in question before the date specified on it. I dishounoring my cheque the bank has caused serious embrass to me and to top it all It has imposed and penality on the due which doesnot stand to logic and to make matters worst.I have been getting threatening call from the bank asking for early deposition of this penality and forfetuire of my salary. I am cosnstantly being harrased by the bank officers and threatend ef tire consequences
In this conclusion the Bank has made debit entry in my saving Account[protected] amount of Rs 45317/-
I request you to redress my grevience.
Copy to. RBI -Banking Ombudsman and ICICI CREDIT card DIvision-collection Manager
Loans & Credit Cards — Harassment by Bank Employees /Agents
Dear Sir,This is in reference to recovery proceeding intiated by Banks and the strategic methods of harassment used by Bank in recovery of my laon. My story is like this, In the year 2007, i has good a good salary pacakage and i had all my accounts with ICICI Bank. At that point of time, i use to receive various calls form ICICI bank enticing for various cerdit card offres and personal loans. Being enticed by their offers, i took some loans and that too to pay back my credit card dues. Therafter i paid all the laon installments well in time till i lost my job in the month of April 2008. Thereafter, because of non avaibility of funds, i was not able to pay my istallments and thereafter i got a Job but it was not the same as before. Thereafter, i started receving calls from bank. Thereafter, in November 2009, i surrendered my car and slowly started paying my installments of personal laons (given Rs.20000/- by selling my bike) and credit cards. Though small amounts but l always paid it to them. Now, suddenly the ICICI banks has started using different methology of pressuring me to setlle all the loans at once which infact i am not in the capacity to do so. Couple of days back, suddenly reprsentative of the bank came to my house and asked me to pay the entire loan amount. I told him specifically that i am not in the capacity to pay it at once but i am ready to pay it in small installments. On which he said that if i will not get the laon amount repaid, the bank can write the my employer regarding this. I felt very afraid that if once the bank writes to my employer, i will lose my job and i told him that i will definetly pay the money back. Now, today i wwas in my offiice i received a call from my wife who was alone that some 5 to 6 people from ICICI bank have come for recovery and this was a sudden sock to me and i was not able to concentrate on my work and rushed back to my home. When i cam back, my wife told me that they forcibly entered he house and startiing asking her about loan repayment. I was in a great sock to hear all this. And my wife was also ver affriad of this things. I request the your to take this with ICICI bank as i am not feeling secure as teh bank is using diffrent kind of pressure tactics.
ICICI Bank Ltd — Regarding no action taken by ICICI bank officials on signed complaint submitted by me on 08-oct-2010
To: Consumer complaint ForumSir,
SUB: Regarding no action taken by ICICI bank offcials on signed complaint submitted by me on 08-oct-2010
ON 07-oct-2010 Rs. 24000/-(Rs 5000 and Rs 19000) was withdrawn from my bank account A/c No[protected] as a theft. I immediately got my online account blocked. I also went to Shivajingar Polivce station. First I was footballed between shivajinagar Police station where the bank account is and Aundh Police station where I stay(in Aundh). I was asked to report it to POlice Commisioner office - Cyber Crime branch where my experience was not very good and I was sent back to Shivajingar POlice station. ON insisting at Shivajinagar Pilice station they didn't filed an FIR and just stamped and signed my complaint saying the cyber crime officer will register the FIR soon. Till date neither the POlice have registerd the FIR nor the bank officials have acted on the signed and stamped complaint submitted oto them.
Instead they are accusing me of putting the Information on a fishing site.
I being a software professional there's no chance of my doing such a blunder and mistake.
THe next day itself with the help of bacnk personnels we found out online that the money has been transferred by some ANURAG BAJAPAYEE , Devas , MP into his account A/c No[protected] Mob No [protected]. What a tragedy we know the thief the accused but neither the Police is doing anything nor the bank officials.
Sir, I want my money back. Rs. 24000/ is not a less amount and it will help me get my mother's eye operation done.
Requesting you to please help and take this forward.
Thanking you,
Ajay KAlantri
Mob No [protected]
A/c No[protected]
Dear Mr Ajay,
We regret the problem caused to you. We have made a note of your contact detail and shall get in touch with you soon to resolve the matter. Thankyou.
Regards,
ICICI Bank Customer Service Team.
We regret the problem caused to you. We have made a note of your contact detail and shall get in touch with you soon to resolve the matter. Thankyou.
Regards,
ICICI Bank Customer Service Team.
ICICI Bank — Harrasment by not closing my Loan0 after all payment is made)
• Name – NANDA GOPAL V• Loan Acct # - LPBNG[protected]
Dear Sir/Madam,
My Name is Nanda Gopal and all the details of my Loan are mentioned Above and below is my complaint.
During my Loan tenure, There was a Penalty charge for cheque bounce on 18th December 2006 of Rupees 285. At NO point was I informed about the cheque bounce or penalty pending till the last month of the Loan tenure.
First week of Feb’2011, I personally went to the ICCI bank (Branch MG Road – Behind Bangalore central Mall) and Paid 350 rupees as penalty as ICCI bank was unable to tell me the actual penalty status due to their system outage (Issues with Server) Called them on back to back days However only response I received was that their system was down. Finally on 5th Feb’2011, spoke to a representative and explained her that I have already paid all dues and requested them to send me a copy of the statement with closed status and also update CIBIL as I was trying for a home Loan. I was told that this would take a total of 45 days for ICICI bank to update CIBIL, and also send me a statement of Loan closed.( My request was completely ignored by this agent)
On 3rd week of March I received a letter from Federal Bank (Bank that is issuing me HOME loan) stating that they see a pending payment from me to ICICI bank on CIBIL report. I Called ICCI bank and representative gave the same update of 45day that was given to me in the first week of Feb’11. I requested for a supervisor and spoke to Ranganath, I did explain him the complete situation, who promised me that he would personally close this issue for me with in 24 hours as well as call me and update me in 24 hours. ( My request was completely ignored by this Supervisor)
Called back on Last week towards the end of the Month and asked for Ranganath, I was told that he was on Leave/Off. I requested for Manager and I was transferred to Naresh, who told me that he is manager, at this time I had to tell Naresh that I was recording the call, and Naresh changed his statement that he was at the same level as Ranganath, I did inform Naresh that Federal bank has again requested me for statement in order to process my Home Loan, Naresh told me that he has placed a request and I should be receiving the statement in 2 hours and its been a week I am been waiting for a statement after paying all the money I owe ICICI bank. ( My request was completely ignored by this Supervisor)
I am hoping that this Written complaint is definitely fetching me resolution. I am definately one of the most dis-satisisfied customer.
With all these years of experience as manager for customer service, I feel this is absolute harassment, Abusing, Ignorance, Negligence in the name of customer service. I strongly recommend you to demote Ranganath and Naresh for their negligence and terminate the agent who promised me that with in 45 days every thing would be taken care off
Regards
NandaGopal.V
[protected]
Dear Sir/Ma ‘am
It is to bring to your notice that I Shailly Manchanda is an A/c (A/c no: [protected]) holder in IDBI bank.
On 8th Oct 2010 I chose the withdraw option entering Rs 10000 from ICICI’s ATM but maybe because of some problem with the ATM the screen went blank during the transaction due to which I had to cancel it. ICICI bank dispatched the money for the cancelled transaction which I never received. My second transaction was successful and I only received Rs 10000 and for no reason I had to suffer a loss of Rs 10000.
A no. of complaints have been filed against ICICI through IDBI bank but all in vein as initially they sent unsatisfactory mails telling that the money has been processed. Being unsatisfied with the replies the complaints were filed again to which they finally sent a JR copy which says that both the transactions were successful. Why on earth should I bear a loss which I am not meant for. I want ICICI bank to crosscheck their ATM transactions on 8th Oct 2010.
I hope you will take this matter seriously and sort it out as soon as possible at .
A quick action is anticipated.
Yours sincerely
Shailly Manchanda
[protected]
It is to bring to your notice that I Shailly Manchanda is an A/c (A/c no: [protected]) holder in IDBI bank.
On 8th Oct 2010 I chose the withdraw option entering Rs 10000 from ICICI’s ATM but maybe because of some problem with the ATM the screen went blank during the transaction due to which I had to cancel it. ICICI bank dispatched the money for the cancelled transaction which I never received. My second transaction was successful and I only received Rs 10000 and for no reason I had to suffer a loss of Rs 10000.
A no. of complaints have been filed against ICICI through IDBI bank but all in vein as initially they sent unsatisfactory mails telling that the money has been processed. Being unsatisfied with the replies the complaints were filed again to which they finally sent a JR copy which says that both the transactions were successful. Why on earth should I bear a loss which I am not meant for. I want ICICI bank to crosscheck their ATM transactions on 8th Oct 2010.
I hope you will take this matter seriously and sort it out as soon as possible at .
A quick action is anticipated.
Yours sincerely
Shailly Manchanda
[protected]
ICICI Bank — Misuse of ICICI Bank A/C by frauds
Dear ,Regarding: Misuse of ICICI Bank A/C by Frauds
I Mahesh Naik, having account with ICICI bank with account no.[protected]Belguam branch Karnataka).
Last week, on 18 May 2011, my id is being misused by fraud. My account is debited 9000/- without to my notice.
Then I approached ICICI branch- Manyata Tech Park (Bangalore) & Malleswaram Branch(Bangalore). But I did not get any help or concrete information about the transaction made by those branch people.
My OTP or account information is not being shared with any one. I kept those personal information with me only.
I talked to customer care (ICICI) Chennai, they raised a request no.[protected].I came to know that transaction made from my account by fraud was for recharging the reliance mobile currency.
Today I called customer care, then there executives did not furnish me any clear cut information and there behaviour is not good with customer
I am really surprised by the unknown transaction made from my account by fraud in an esteemed & secure bank ICICI. Its really shocking.
If this is the case, then how come people will believe & invest in ICICI bank? What security ICICI Bank people are providing? How do they ensure that investors money is safe in ICICI?
Thanks and Regards
Mahesh Naik
+91 [protected]
Don't request online. go to police and file a compalain against the person, who tries to be ovesmart, If wish to get rid of these obstacles in life.
Koi jungle raaj nahin hai hindustan me ki kaoi aake aapke ghar me aapki beijjati kare.Lekin ye aapki soch hai ki aap beijjat hona chahte hain ya anto social element ko unki aukaat dikhate hain.
Koi jungle raaj nahin hai hindustan me ki kaoi aake aapke ghar me aapki beijjati kare.Lekin ye aapki soch hai ki aap beijjat hona chahte hain ya anto social element ko unki aukaat dikhate hain.
HDFC — Unending EMI
SirI availed Resident Top-up loan of Rs.1,00,000/= (Loan Account No.[protected] Effective Date 07.02.2005. As per the ‘Home Equity Loan Agreement’ Executed between me and the HDFC way back in 07.02.2005, the term of repayment is 84 months and the EMI is Rs.1559/= . Date of commencedment of the first EMI is 01.03.2005 and the date of conclusion is 29.02.2012. The above figures are in black and white in the agreement executed. With the jumbling of terms like Adjustable Rate Home Loan Scheme, Retail Prime Lending Rate, etc the Last EMI payable was extendeded to May 2012(Their Communication dt:16.06.2006). From February it further extended to May , then it moved on to December 2012 (Their Communication dt:18.08.2007). Now surprisingly the last EMI payable has still extended further on to January 2013. As per the Agreement, the last EMI payable is February 2012, but as per the latest communication the last EMI payable is January 2013. The Scheme appears to be very funtastic with ever changing EMI for an unchanged principal. Going by the system, I believe one cannot prodict when the Loan will come to an end strictly following the EMI. The EMI is becoming a MEGA SERIAL. Is it legally fair to spread the EMI without consent of other party? Is singning the Agreement as 84 EMIs and repaying the Loan with 95 EMIs is right? Please enlighten me. Vazhga Valamudhan V. BALASUBRAMANI
I had a card with ICICI, which got irregularised from late 2007 onwards, as I lost my job. Presently I am working as agent on commission, and unable to attend to my family needs properly, seeing this I have asked the collection agents from the bank that I will be able to start repaying from February 2012, when two person from the collection agency visited my house, one was Mr. Krishna Mobile no. [protected] accompanied by someone senior to him. They seemed to agree about the same. But today I recieved a call from[protected] and a lady named Yamini/Damini (which might not be her real name) started pestering for payments, kept on repeatedly calling me and harrassing me with abuses. She also told me that she is from Videocon Tower, which I am sure that s.he is bluffing and she is from the collection agency most probably Friends Associates of Lakshminagar.
I am contemplating taking the legal course against the bank, in this regard, if anyone is interested in taking up similar matter jointly please contact me at [email][protected]@yahoo.in[/email]
I am contemplating taking the legal course against the bank, in this regard, if anyone is interested in taking up similar matter jointly please contact me at [email][protected]@yahoo.in[/email]
I am sachin mistari availing Personal loan of Rs. 23000/- from ICICI Bank on 2004 my monthly EMI is Rs.1363/-, I am paying more than 20 emis of that loan 1363*20=27260.Also i have consumer loan with ICICI there are only 8 emis & bank is debited from my saving a/c 12 emis. I had made a complaint to local collection manager Mr. Sachin Patil but he said i am not responsible for that, Said issue i will talk with ICICI seniors authority they are siting in CO of ICICI bank but till my problem is not resolved. that time i am talk with collection agency i am not pay your personal loan because they are cheat me. Now Miss. Arya & prachi call to my home & talking with very bad language with my mother & i am asking him about that they are talking with very abuse word. she is lady & she is dont know what she will talking, Means that type of employee ICICI bank is Hiring. Now i am completing both of them to ICICI seniors, Police station, & civil court.
Sub: Complaint against the ICICI Collection agent harassment
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 Jitu Lagachu form Mumbai, Koperkhairane, and i had a loan seven years back from ICICI.The loan i had it that was without any documents.On that point of time i was having problem and i approch to agency who deal with ICICI loan.He told me it will be done within 2-3 days only i have to sign and submit one photo graph and i have to provide my account number.I gave all then loan had bee passed and credited to my account of without going anywhere.Even i was not aware what is my loan number.then after i was out of job because of my health issue.i have a hert issue and i had 2 major attack.Doctor advice not to work anymore because i have also Fits.Now collection agency agent harassing me and my family.they always come to my house abusing my wife badly.i told them give me sometime i will repay but they are abusing very badly because of collection agents my wife also fall in seek.
1.Shouted at my wife 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 wife'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 (wife) said him that she is a heart patient.
My wife 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".
Also i have a small kid age 4 years.My son goes to babyseating center because of my health issue, my wife wok in a call center.collection agent called to babyseating center and abuse the faculty of the center.bebycare center called me and inform that they can not keep my child because of harassing by ICICI collection agents even agent told to us if we are not repay soon they will take my son away from babycare center thatswhy i am not sending my son there also even then i have Fit and heart issue.my wife has to go to work because she is the only person who is looking after our family.i am very much depress because of these kind o[censored]nsual activities by ICICI collection agent.
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 Mumbaii and had appealed this court to make ICICI Bank and their recovery officer
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 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
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.
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
Mumbai High Court verdict against use of Gundaas by ICICI
Note- Pl find the attached RBI Guidelines for the recovery agents.
Yours faithfully,
Jitu Lagachu
[protected]@gmail.com
[protected]
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 Jitu Lagachu form Mumbai, Koperkhairane, and i had a loan seven years back from ICICI.The loan i had it that was without any documents.On that point of time i was having problem and i approch to agency who deal with ICICI loan.He told me it will be done within 2-3 days only i have to sign and submit one photo graph and i have to provide my account number.I gave all then loan had bee passed and credited to my account of without going anywhere.Even i was not aware what is my loan number.then after i was out of job because of my health issue.i have a hert issue and i had 2 major attack.Doctor advice not to work anymore because i have also Fits.Now collection agency agent harassing me and my family.they always come to my house abusing my wife badly.i told them give me sometime i will repay but they are abusing very badly because of collection agents my wife also fall in seek.
1.Shouted at my wife 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 wife'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 (wife) said him that she is a heart patient.
My wife 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".
Also i have a small kid age 4 years.My son goes to babyseating center because of my health issue, my wife wok in a call center.collection agent called to babyseating center and abuse the faculty of the center.bebycare center called me and inform that they can not keep my child because of harassing by ICICI collection agents even agent told to us if we are not repay soon they will take my son away from babycare center thatswhy i am not sending my son there also even then i have Fit and heart issue.my wife has to go to work because she is the only person who is looking after our family.i am very much depress because of these kind o[censored]nsual activities by ICICI collection agent.
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 Mumbaii and had appealed this court to make ICICI Bank and their recovery officer
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 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
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.
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
Mumbai High Court verdict against use of Gundaas by ICICI
Note- Pl find the attached RBI Guidelines for the recovery agents.
Yours faithfully,
Jitu Lagachu
[protected]@gmail.com
[protected]
Myself Mr Ashok Nana Pawar from Mumbai, Chembur. I had availed ICICI bank CC loan in the year 2008 which I paid the EMI installments honestly and regularly without missing any installments for 2 years. The loan was taken for the Shares which from CITY LIMOUSINE which was later shutdown due to fraud cases in 2010. We were working with Hotel renaissance and about a staff of 35 to 40 people had taken loans for the same shares from diffrent banks. All has a big mishaab due to this issue. We tried getting through the courts and were in a big trauma as none o[censored]s was able to recover the amount which was taken from the banks. I decided to close the loan account as I was not able to pay the heavy EMI's due to economic slowdown and extremely low financial conditions. I had visited bank for the same number of times. After 6 mnths or so, an agent was sent to my house for the recovery. We started an installments of 1000 rs per month which was affordable for us and paid the emi for about 6 mnths which missing. The agent stopped coming then after. Agent was changed and the next agent paying as well. That agent also stopped visiting my house. That's when my trauma started. My family, my children, my neighbours and relatives were subjected to unending calls asking for the money. 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. I was in a search of jobn when the ICICI agents use to come home for the recovery when my wife and daughter was alone at home. They started following everyone for the same. My wife had ruined her mental and physical health both because of horror of ICICI Bank recovery agents. My daughter who is married on her own and is going though a problematic personal conditions due to inter caste is also being harassed for the same. Her family members, brother- in law is also getting calls for the same. She is being threthened of getting to her house and distroying her relation with the inlaws.
This is really getting hectic and a big mental torchure to my family members. None of the policies says that If I don't have money to pay the loan amount you guys will start harassing my family and friends. No legal procedure is used and the agents blabber and speak in a very unethical and unprofessional language. Which is really not expected from a bank like ICICI.
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. I feels like committing suicide due to this torchure sometimes but I get my step back only for my family.
I am really not in a condition to pay such a huge amount of 5.5 lakhs where in my loan amount was 2.25 lakhs initially. I am ready to do a settlement after a big harassment and torture of rs 10-15 k .
We hope that you take note of this experience and prevent the same from occurring on daily basis and should have some speedy resolution and should be dealt immediately.
Thanks
Ashok Pawar.
This is really getting hectic and a big mental torchure to my family members. None of the policies says that If I don't have money to pay the loan amount you guys will start harassing my family and friends. No legal procedure is used and the agents blabber and speak in a very unethical and unprofessional language. Which is really not expected from a bank like ICICI.
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. I feels like committing suicide due to this torchure sometimes but I get my step back only for my family.
I am really not in a condition to pay such a huge amount of 5.5 lakhs where in my loan amount was 2.25 lakhs initially. I am ready to do a settlement after a big harassment and torture of rs 10-15 k .
We hope that you take note of this experience and prevent the same from occurring on daily basis and should have some speedy resolution and should be dealt immediately.
Thanks
Ashok Pawar.
I am getting calls from [protected] saying that they are from ICICI Bank and Some applied for loan to disburse the amount they are calling me.I told clearly that I had not applied for any loan and don't know any person in this regard.Now they started thwarting me and interesting part the has been made by a girl and she is using abuse language
Prabjot Singh Arora
[protected]
[protected]
Prabjot Singh Arora
[protected]
[protected]
Dear Mr. Arora,
We regret any inconvenience faced. We have made a note of your contact details. Our official will get back to you and assist.
Regards,
ICICI Bank Customer Service Team
We regret any inconvenience faced. We have made a note of your contact details. Our official will get back to you and assist.
Regards,
ICICI Bank Customer Service Team
Hi,
ICICI being so unprofessional I just can't believe... I am a house wife nt taken a single amount from ICICI . One defaulter of ICICI was in my Facebook friend list. Hence forth guys plz ask ur known or unknown frnd that are they hav any loan act with ICICI, , if yes then plz dnt accept their frnd reqst in fb otherwise ICICI will collect their money from you.. what happened to me is.. though that defaulter was just in my fb frnd list, ICICI recovery agents r calling me like hell. I told them I am 7 months pregnant cant take any kind of stress, argument but they r unable to listen me. They r calling everyday and harassing me like hell. They r treating me like I am the defaulter. Today morning they called me and talked rubbish abt my character.. Can u believe it !!! They abuse my husband.. Though we hav no connection with any loan.. we r nt the defaulter... u cant take anyone's number from facebook and call them harass them.. These are the proson who r harassing me.. Vishal Tyagi - [protected], Neha/kajol - [protected], Nitin - [protected] .. specially I got call from Neha alwz. They r calling from Delhi recovery agency as they told me this..Plz help.. I m pregnant. I wish my baby will be fine.
ICICI being so unprofessional I just can't believe... I am a house wife nt taken a single amount from ICICI . One defaulter of ICICI was in my Facebook friend list. Hence forth guys plz ask ur known or unknown frnd that are they hav any loan act with ICICI, , if yes then plz dnt accept their frnd reqst in fb otherwise ICICI will collect their money from you.. what happened to me is.. though that defaulter was just in my fb frnd list, ICICI recovery agents r calling me like hell. I told them I am 7 months pregnant cant take any kind of stress, argument but they r unable to listen me. They r calling everyday and harassing me like hell. They r treating me like I am the defaulter. Today morning they called me and talked rubbish abt my character.. Can u believe it !!! They abuse my husband.. Though we hav no connection with any loan.. we r nt the defaulter... u cant take anyone's number from facebook and call them harass them.. These are the proson who r harassing me.. Vishal Tyagi - [protected], Neha/kajol - [protected], Nitin - [protected] .. specially I got call from Neha alwz. They r calling from Delhi recovery agency as they told me this..Plz help.. I m pregnant. I wish my baby will be fine.
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