[Resolved]  ICICI Bank Ltd — request for settlement letter

: I HAVE RECEIVED A CHE.NO.360530/13.12.06 FOR RS.26400/- from icici bankltd TOWARDS LOAN AGAINST MY CREDIT CARD WHICH IS TO BE REPAID IN 24 INSTALMENTS AND REQUESTED ME TO PAY FROM FEB2007 ONWARDS(PRIN-26400+INT 4752 & ST 585 =31737 TO BE PAID).THE INTEREST ON IT IS 4752 FOR 24 MONTHS . NO AMORTISATION SCHEDULE WAS SENT TO ME. THEREFORE I USED TO PAY THE DUES IN THE MONTHLY STATEMENT AND COMPLETED THE ENTIRE 24 INSTS AS RS.26400 +INT 76072+ST585=34592 I.E I HAVE PAID AN EXCESS AMOUNT OF RS.2855 IN EXCESS OF THE TOTAL AMOUNT OF PRINCIPAL +INTEREST +ST .EVENAFTER COMPLETING THE PAYMENT MR.VENKATAKRISHNAN OF RAMNAGAR BRANCH, CBE IS TORTURING ME TO PAY RS.20000 AND BLOCKED MY SB ACCOUNT .Then I met him AND PRODUCED THE DETAILS OF PAYMENT TO HIM. HE SAID TO RELEASE I HAVE TO PAY RS.2600 ACCORDINGLY I HAVE AUTHORISE TO WITH DRAW THE AMOUNT FROM MY ACCOUNT. EVEN AFTER MY REPEATED REQUESTS THROUGH E MAIL, NO BODY IS INTERESTED IN SETTLING THE ISSUE. AGAIN LAST FEB HE HAD BLOCKED MY ACCOUNT AND WHEN I CALLED HIM TO KNOW THE REASON, BUT HE TALKED VERY HARSHLY AND HESITATE TO MEET ME AND ASK ME TO MEET MR.RADHAKRISHNAN . HE HAD ALSO ASKED ME TO PAY RS.2600/- THEN I HAVE AUTHORISED TO DEBIT THE SAID AMOUNT ON 06.02.2009 . THE TOTAL AMOUNT PAID BY ME IS RS.37192 FOR THE AMOUNT OF LOAN RS.26400/-. THAT MAN IS TILL GIVING TORTURE BY SENDING THE SMALL BOYS AND THAT BOYS ARE SHOUTING INFRONT OF THE OTHERS AND INSISTING ME TO PAY 20000. WHY YOU PEOPLE ARE MAKING TORTURE WHEN I HAVE DEFAULT IN PAYING THE INSTALMENT CORRECTLY. CAN U ABLE TO TORTURE THE HIGHER UNPAID PEOPLE WHO IS CHEATING .MY FAMILY IS DEPENDING ONLY MY INCOME.PLEASE TREAT THIS MOST URGENT. HIS NUMBER IS [protected] . HOPE YOU WILL UNDERSTAND MY GRIEVANCE. I NEVER CHEAT ANYONE EVEN THE BANK.

IT IS QUITE SURPRISED TO RECEIVE SUCH TYPE OF IRRESPONSIBLE MAIL FROM THEIR END AND INSISTING ME TO PAY MORE THAN 20000/-. THE INSTALMENT TO BE PAID INCLUDES BOTH THE INTEREST AND SERVICE TAX. THE LOAN HAS TO REPAY IN 24 INSTALMENTS. IN SUCH CASE WHERE IS THE QUESTION OF MINIMUM DUE WILL ARISE? IF I PAY THE INSTALMENT ON 1ST OR 5TH OR 15 THE OR 7TH DURING THE MONTH, THEY ARE CHARGING PENAL INTEREST. TILL DATE I HAVE PAID 37192/- FOR THE LOAN RECEIVED AMOUNT OF RS.26400/- DO WISH FOR REPAYMENT OF RS.26400, I MUST TO PAY 57000/-. I.E DOUBLE TIME OF THE AMOUNT RECEIVED ? DO WISH ME TO PAY THE BALANCE. WILL YOU LIKE THIS. ARE YOU READY TO PAY FROM YOUR PACKET IF SOMEONE CHARGED LIKE THIS.

EVEN AFTER MY REPEATED REQUEST TO MANY PEOPLE AND VIA MAIL, NOBODY IS INTERESTED IN GOING THROUGH THE ACCOUNT AND SETTLE THE ISSUE.
WHEN ON THE TELEPHONIC CONVERSATION, ONE MR.VENKATESH SAID THAT HE WILL CHECK THE ACCOUNT AND COME BACK TO ME. BUT WITHOUT GOING THROUGH THE ACCOUNT AND WITHOUT KNOWING THE NATURE OF THE TRANSACTION( IT IS NOT A CREDIT CARD DUE BUT A LOAN TO BE REPAID WITH INTEREST) HOW CAN THEY ASK ME REPAY THE BALANCE. DO YOU THINK THEY THOUGHT THAT I AM A FOOL T O PAY WHATEVER AMOUNT DEBITED TO MY LOAN ACCOUNT. NO SUCH BANK IS DOING LIKE THIS. BEFORE CALLING A CUSTOMER FIRST GO THROUGH THROUGHLY THE STATEMENT RIGHT FROM THE BEGINNING TO TILL DATE.

I AM THE ONLY BREAD WINNER OF MY FAMILY. AGAIN AND AGAIN HE IS TORTURING ME AND MAKING ME TO COMMIT SUICIDE.

I DONT KNOW HOW TO OVERCOME FROM THIS ISSUE