[Resolved] ICICI Bank Ltd — Attn - Chanda Kochar - Chairman ICICI- Reward Points redumptin | |
Hi I am holding ICICI credit card on which I had redeemed my reward pints for big bazaar vouchers for Rs 600.00 but the did not received to me till date. I have been following up with ICICI for more than two months but they are just buying time and not resolving my issue. I have spoken to their customer care Manager Mr Ritesh abt 20 days back and he confirmed that vouchers will be redispatch to me in two days but till date the same hasn't been sent. On 29/08/09 I hava again called up to the customer care ans spoken to another manager Mr Chankar. he also assured me that this will be my last call to ICICI and I will get the vouchers after in 48hrs but till date i.e. 04/09/09 no response from ICICI. My Complaint number with ICICI is 'ICICICARE=[protected]' , Would request you to take up this long pending issue with ICICI and resolve the same at the earliest Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 126 Comments | |
Comments
ICICI Bank Ltd — for property papers and list of docs
dear sir,i have taken loan (a/c- LBJAI [protected]) from your good company but sorry to inform you that i m facing some ungenvin problems from your department. i have paid rs.551/- for my property papers copy on dated 06/07/2009 vide recipt no[protected] . they have issue me approx ten papers which was not cleard and that was not all papers copy. when i tell him for all papers both sides copy and clear copy they told me again deposit 551/- after that i send again request for more papers and this is not good.so i m not depositng again 551/- pls help to provied me all papers copys.
i have applied for list of documents but they issue me half papers recieveing, pls provied me full papaers recieveing with clarified papers.
thanks for it.
your truely
sunil sethi
[protected]
loan a/c- LBJAI [protected]
Dear Sunil,
We're the customer service team at ICICI Bank. We'll contact you and work to address your issue at the earliest.
Regards,
ICICI Customer Service Team.
We're the customer service team at ICICI Bank. We'll contact you and work to address your issue at the earliest.
Regards,
ICICI Customer Service Team.
Kind attn: Ms Chanda Kocher, Chairman, icici bank
Madam
I am having icicidirect account since six years. I have invested in Mutual
Funds through icicidirect account and the dividends, if any, are being credited to my S.B..linked account in ICICI Bank directly by the AMC/ICICI Bank. In the Mutual Funds section of ICICI Direct account there is an option wherein you can
view the dividends declared by the Mutual Funds from time to time and the dividends credited to the S.B.A/c. can be verified from this statement. Unfortunately the dividends supposed to have declared by the M.Fs are not
at all correctly reflected in this Dividend Payout section. Thereby it has become
very difficult to cross check the dividends declareld by the M.Fs and the amount
credited into the S.B.Account. It is not at all tallying on several occasions.
Your customer has to approach the M.Fs/A.M.Cs, get the account copy and
cross check the same with the S.B.A/c. The very purpose of maintaining a
separate E-Account with ICICI Direct is nullifed. I request you to uptodate and
correctly maintain this option of Dividend Payout section for the benefit of all your customers.
I will be happy to receive a word in reply.
With greetings.
Madam
I am having icicidirect account since six years. I have invested in Mutual
Funds through icicidirect account and the dividends, if any, are being credited to my S.B..linked account in ICICI Bank directly by the AMC/ICICI Bank. In the Mutual Funds section of ICICI Direct account there is an option wherein you can
view the dividends declared by the Mutual Funds from time to time and the dividends credited to the S.B.A/c. can be verified from this statement. Unfortunately the dividends supposed to have declared by the M.Fs are not
at all correctly reflected in this Dividend Payout section. Thereby it has become
very difficult to cross check the dividends declareld by the M.Fs and the amount
credited into the S.B.Account. It is not at all tallying on several occasions.
Your customer has to approach the M.Fs/A.M.Cs, get the account copy and
cross check the same with the S.B.A/c. The very purpose of maintaining a
separate E-Account with ICICI Direct is nullifed. I request you to uptodate and
correctly maintain this option of Dividend Payout section for the benefit of all your customers.
I will be happy to receive a word in reply.
With greetings.
Dear Banker
I have my salary account in ICICI bank grom the year 200o
I have 3 credit cards from ICICI bank
I have a Demat account attached to SB account
I also have taken 2 ICICI prudential policy
I have recently opened SB account in my wife's name and Daughters name
All my credit cards from ICICI bank are linked and I am using a credit card [protected]. Although I have other credit cards from ICICI bank I am using this card from the last 2 years. I first bought ICICI bank credit card in the year 2004 and after that I was asked by ICICI bank to upgrade from time to time. I was not using my other card 6013 and 2001 from the last 2 years. Some where in Jan I got a offer letter that there is a credit card offer anf If I make purchases for Rs 50.000 I am elligible for a Benneton watch. I enquired on phone somewhere in Feb with the same card number 6011 and was confirmed that there is no further registration required and the offer on whioch card was not at all expressed.
Again in 1st week of march when I enquired I had spent the money on card 0011and still I was told that I have spent 35, 000 and another 15.000 to be spent for reaching the offer. I reached the target and also exceeded before 15th of march. Knowing ICICI bank I expected that they would activate my claim but in vain. Again on 4th of April I dialed the same card 0011 on mobile banking and enquired. I was assured that I am elligible and the claim would be processed in the next 10 working days.
Today I called up phone banking. I am surprised that the answer I got was the offer was on card number 6013 and not on 001.
1) When all my credit cards are linked what difference does it make to the bank whether I spend on the card mentioned or any other card. 2) When ever I called the card link was not at all expressed and was updated that my expenses were being metered
3) Even when I enquired on 4th of april I was told that My elligibility is noted and I would get the gift withing 10 workin days
4) Only on 25th of april I realise that I am taken for a ride right from 15th of Jan till 24th of April
OR
5) ICICI bank has got some shrude intellectuals who can save a watch to a customer who was offered a watch
I am sure you wou would understand my patience and sincerity in taking up this issue
and at last if I donot get a suitable answer I am sure ICICI credit cards is getting in line with any other financial institution who make bogus claims and then turn down during claims and it is high time I would find an alternate banker
Regards
Adarsh B K
mobile no [protected]
I have my salary account in ICICI bank grom the year 200o
I have 3 credit cards from ICICI bank
I have a Demat account attached to SB account
I also have taken 2 ICICI prudential policy
I have recently opened SB account in my wife's name and Daughters name
All my credit cards from ICICI bank are linked and I am using a credit card [protected]. Although I have other credit cards from ICICI bank I am using this card from the last 2 years. I first bought ICICI bank credit card in the year 2004 and after that I was asked by ICICI bank to upgrade from time to time. I was not using my other card 6013 and 2001 from the last 2 years. Some where in Jan I got a offer letter that there is a credit card offer anf If I make purchases for Rs 50.000 I am elligible for a Benneton watch. I enquired on phone somewhere in Feb with the same card number 6011 and was confirmed that there is no further registration required and the offer on whioch card was not at all expressed.
Again in 1st week of march when I enquired I had spent the money on card 0011and still I was told that I have spent 35, 000 and another 15.000 to be spent for reaching the offer. I reached the target and also exceeded before 15th of march. Knowing ICICI bank I expected that they would activate my claim but in vain. Again on 4th of April I dialed the same card 0011 on mobile banking and enquired. I was assured that I am elligible and the claim would be processed in the next 10 working days.
Today I called up phone banking. I am surprised that the answer I got was the offer was on card number 6013 and not on 001.
1) When all my credit cards are linked what difference does it make to the bank whether I spend on the card mentioned or any other card. 2) When ever I called the card link was not at all expressed and was updated that my expenses were being metered
3) Even when I enquired on 4th of april I was told that My elligibility is noted and I would get the gift withing 10 workin days
4) Only on 25th of april I realise that I am taken for a ride right from 15th of Jan till 24th of April
OR
5) ICICI bank has got some shrude intellectuals who can save a watch to a customer who was offered a watch
I am sure you wou would understand my patience and sincerity in taking up this issue
and at last if I donot get a suitable answer I am sure ICICI credit cards is getting in line with any other financial institution who make bogus claims and then turn down during claims and it is high time I would find an alternate banker
Regards
Adarsh B K
mobile no [protected]
ICICI Bank Ltd — icicibank employ not giveing my amount
Dear sirthis is SRINIVAS.MATTA.when i was in TAMIL NADU ,i gave some of 5000/- amount on:[protected] to ICICIBANK employ 'MR DANGATTLA RAJAVARDHAN RADDY .emp no:182823 'as a friend without any documentation but i made payment through the net banking .now i came back to ANDHRA PRADESH .i made many complaints to branch manger & staff but no body not taken action hence i am making on compliant on him pleas give support me and presses my problem .
thank you
srinivas.matta
cell: [protected]
andhra pradesh,
India .
ICICI Bank Ltd — QAB CHARGES
Dear sirthis is srinivas.matta i have an account in icicibankbank a/c no:[protected] my a/c is salary a/c .i would like to know one thing could you please tell why did you charged my a/c with Rs 827/- ( 16/04/2010 - QABChgs,jan-mar10+ST77 ).
i hope it is salary a/c hence how did you charged .if was there any mistake pleas credit my amount back or pleas give clarification for this charges.
thank you
srinivas.matta
a/c no:[protected]
email id :[protected]@yahoo.com
I am facing problem after new chairperson taken over the charge of ICICI Bank, my issues are not addressed and as a customer deposit money facing proble.
Srikumar
[protected]@yahoo.co.in
Srikumar
[protected]@yahoo.co.in
ICICI Bank Ltd — Removal my data from CIBIL
Dear sirI Chandrashekhar.S has setteled my ICICI bank personal loan No :- LPBNG[protected] in full & final dt 5-1-2010,but still it is showing in CIBIL.
So i request you to remove my data from cibil because i am not getting any loans from bankers
Regards
Chandrashekhar.S
This email is for the Chairman & Managing Director & CEO, Ms Chanda Kochar.
Dear Sir/Madam,
With respect I have to say that I am paying my CAR LOAN timely I am depositing my Amount in my saving A/C no is[protected].But from 2 or 3 my car loan is not deducted from my saving A/C why.I am getting Defaulter in my CAR LOAN.I will be not responsible for that.But I am very very sorry not depositing the HOME LOAN & PERSONAL LOAN.Because I am in treatment in Delhi I am facing lots of problem in my treatment.Mam 2 month is default in my HOME LOAN & 14 months in PERSONAL LOAN.I will start to pay my HOME LOAN & PERSONAL LOAN in the MONTH of SEPTEMBER 2010. From in the month of Sept I will be regular to pay my loan.I have herd that you have CEASHED my Saving A/C NO IS[protected].I am requesting you to please reopen my Saving A/C.Because i want to continue my all loans from this A/C.
Sir/Madam I will Be Very thankful to you if you will help me from this problem.I am giving my Husband Cell No-[protected].You can contact from him.In my absent he will talk with you.I am waiting for your help & He is waiting for your call.You can contact to him from 10 am to 3pm.Mam Please help us.I know
you will help me from this problem.Please Mam help us.I will be very thankful to you.I am waiting for your
answer.
Thanking You
WITH REGARDS,
From-
Sunita Singh
W/O Prashant Singh
C/O Rajkr Singh
Housing Colony
Near Samrat Hotel
Bartand, Dhanbad
Jharkhand.
(M) [protected]
Dear Sir/Madam,
With respect I have to say that I am paying my CAR LOAN timely I am depositing my Amount in my saving A/C no is[protected].But from 2 or 3 my car loan is not deducted from my saving A/C why.I am getting Defaulter in my CAR LOAN.I will be not responsible for that.But I am very very sorry not depositing the HOME LOAN & PERSONAL LOAN.Because I am in treatment in Delhi I am facing lots of problem in my treatment.Mam 2 month is default in my HOME LOAN & 14 months in PERSONAL LOAN.I will start to pay my HOME LOAN & PERSONAL LOAN in the MONTH of SEPTEMBER 2010. From in the month of Sept I will be regular to pay my loan.I have herd that you have CEASHED my Saving A/C NO IS[protected].I am requesting you to please reopen my Saving A/C.Because i want to continue my all loans from this A/C.
Sir/Madam I will Be Very thankful to you if you will help me from this problem.I am giving my Husband Cell No-[protected].You can contact from him.In my absent he will talk with you.I am waiting for your help & He is waiting for your call.You can contact to him from 10 am to 3pm.Mam Please help us.I know
you will help me from this problem.Please Mam help us.I will be very thankful to you.I am waiting for your
answer.
Thanking You
WITH REGARDS,
From-
Sunita Singh
W/O Prashant Singh
C/O Rajkr Singh
Housing Colony
Near Samrat Hotel
Bartand, Dhanbad
Jharkhand.
(M) [protected]
Kindly Help me.
Icici bank G.M.Ms.Chanda Kochar,
Respected mam,
I am proud of you, You handle this huge organization.
Actually i did work with icici bank as B.D.E.
Working with icici bank this victim?
No but 10TH JULY 2010 I WAS SELECTED FOR J.O POST.But H.R.Ms.kavita khanna keep me on hold because i already work with icici bank.I know bank policy very well.
If you read this message please help me.
Thanks & Regards,
Icici bank G.M.Ms.Chanda Kochar,
Respected mam,
I am proud of you, You handle this huge organization.
Actually i did work with icici bank as B.D.E.
Working with icici bank this victim?
No but 10TH JULY 2010 I WAS SELECTED FOR J.O POST.But H.R.Ms.kavita khanna keep me on hold because i already work with icici bank.I know bank policy very well.
If you read this message please help me.
Thanks & Regards,
This email is for the Chairman & Managing Director & CEO, Ms Chanda Kochar.
icici bank has sold my entire shares and now demanding additional to principal amount Rs85, 000/ as icici has system
in place and when LAS cross above 80% entire team start calling, sending telegrame, and take commitment of 48 hours
to pay cash or pledge additional shares which are mention in telegrame date and time as per that they sell the shares
but in my case they send the telegrame which was not received to me but as per telegrame ICICI BANK not sold the shares but sold after 50 days with out my knowledge.after 3 days of MUMBAI attact 0n26/11/2008.and i had hugh loss of 17, 50000/
But no one is ready to accept mistake as per ICICI we cannot do any mistake.
ABHAY NAIK
[protected]
icici bank has sold my entire shares and now demanding additional to principal amount Rs85, 000/ as icici has system
in place and when LAS cross above 80% entire team start calling, sending telegrame, and take commitment of 48 hours
to pay cash or pledge additional shares which are mention in telegrame date and time as per that they sell the shares
but in my case they send the telegrame which was not received to me but as per telegrame ICICI BANK not sold the shares but sold after 50 days with out my knowledge.after 3 days of MUMBAI attact 0n26/11/2008.and i had hugh loss of 17, 50000/
But no one is ready to accept mistake as per ICICI we cannot do any mistake.
ABHAY NAIK
[protected]
This email is for the Chairman & Managing Director & CEO, Ms Chanda Kochar.
I have send letter supporting all document but no one is ready to accept mistake i had huge loss in LAS a/c we are your HNI client
and dealing for so many years but when shares was sold no one has inform us and not given any opprtunity.The letter send to me mention ICICI BANK has send 2 letters before selling the shares. we have not received any letter or communication from icici bank
which are mention in icici letter it is after thought.
we requrst copys of proof but no one is ready to give for last 19 months.only we are inform by bank u are HNI client and we have given team additional to LAS team but no one has call or done any communication before selling of the shares, we are share holder for 20 years we have right to get all the information but ICICI BANK are not ready to give no one is helping from ICICI BANK as bank staff are trying to safe gard the job and not helping client.
Laxmi naik
[protected]
I have send letter supporting all document but no one is ready to accept mistake i had huge loss in LAS a/c we are your HNI client
and dealing for so many years but when shares was sold no one has inform us and not given any opprtunity.The letter send to me mention ICICI BANK has send 2 letters before selling the shares. we have not received any letter or communication from icici bank
which are mention in icici letter it is after thought.
we requrst copys of proof but no one is ready to give for last 19 months.only we are inform by bank u are HNI client and we have given team additional to LAS team but no one has call or done any communication before selling of the shares, we are share holder for 20 years we have right to get all the information but ICICI BANK are not ready to give no one is helping from ICICI BANK as bank staff are trying to safe gard the job and not helping client.
Laxmi naik
[protected]
ICICI Bank Ltd — Problem is not yet resolved -- ICICI Bank Ltd Complaints - 2 Months Payment Not Reflecting (Feb & Mar 2008) - LPCAL00010312974
Problem is not yet resolved -- ICICI Bank Ltd Complaints - 2 Months Payment Not Reflecting (Feb & Mar 2008) - LPCAL[protected]LAN Number - LPCAL[protected]
Location - Kolkata
Name – Zafar Jamil
Start Date – 05-Jun-2007
Problem is not yet resolved -- Very Poor Response from ICICI Bank
Go through the trail Mail and find what type of service ICICI Bank is Providing to its Customers…. It’s Pathetic…..
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
From : [protected]@icicibank.com
To : Zafar.[protected]@Airtel.in
Sub : RE:'ICICICARE=[protected]' ICICI Bank.
Date & Time : 21-Sep-2010 07:06 PM
Dear Mr. Jamil,
We acknowledge the receipt of your e- mail of September 15, 2010 addressed to Head Service Quality regarding your Personal Loan Account Number LPCAL[protected].
We regret for the inconvenience caused to you.
Your complaint is being attended to. However, it is taking some more time to resolve than assumed initially.
We assure you that your concern is a top priority for us and we will revert to you by September 25, 2010.
Sincerely,
Balaji Gupta Maddi
Office of Head Service Quality
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
From : Zafar.[protected]@Airtel.in
To : [protected]@icicibank.com
Sub : RE: ICICI Bank
Date & Time : 15-Sep-2010 06:49 PM
Hi Mr. Gupta,
Initially you informed the TAT 15-Sep-2010 and now you are saying it will resolve with in 22-Sep-2010.
-
Ok...
-
Please make sure this time you should not exceed the new TAT i.e. 22-Sep-2010.
Regards,
Zafar Jamil
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
From : [protected]@icicibank.com
To : Zafar.[protected]@Airtel.in
Sub : RE:'ICICICARE=[protected]' ICICI Bank.
Date & Time : 15-Sep-2010 03:18 PM
Dear Mr. Jamil,
We refer to your complaint addressed to ICICI Bank regarding your Personal Loan Account Number LPCAL[protected].
We understand that you have the following complaint regarding the clarification on your Equated Monthly Installments.
Further we understand that our official Mr. Satyajeet Das is constantly in touch with you and addressing your case.
Your complaint is being attended to. However, it is taking some more time to resolve than assumed initially.
We assure you that your concern is a6 top priority for us and we will revert to you by September 22, 2010.
Sincerely,
Balaji Gupta Maddi
Office of Head Service Quality
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
From : Zafar.[protected]@Airtel.in
To : [protected]@icicibank.com
Sub : RE: ICICI Bank
Date & Time : 01-Sep-2010 08:03 PM
Hi Mr. Gupta,
Thanks a lot for your immediate response.
-
I would request you to please close this issue ASAP and also send the Settlement Papers.
Regards,
Zafar Jamil
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
From : [protected]@icicibank.com
To : Zafar.[protected]@Airtel.in
Sub : ICICICARE=[protected]' ICICI Bank
Date & Time : 01-Sep-2010 07:54 PM
Dear Mr. Jamil,
We refer to your complaint addressed to ICICI Bank regarding your Personal Loan Account Number LPCAL[protected].
We understand that you have the following complaint regarding the clarification on your Equated Monthly Installments.
Further we understand that our official Mr. Satyajeet Das has spoken to you about the case.
Your complaint is being attended to. However, it is taking some more time to resolve than assumed initially.
We assure you that your concern is a top priority for us and we will revert to you by September 15, 2010.
Sincerely,
Balaji Gupta Maddi
Office of Head Service Quality
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Dear Mr Zafar,
We understand that our official has spoken to you and addressed your issues.
Regards,
ICICI Bank Customer Service Team.
We understand that our official has spoken to you and addressed your issues.
Regards,
ICICI Bank Customer Service Team.
ICICI Bank Ltd — TWO WHEELER LOAN
LOAN NO. LTBNG [protected]PLEASE SEND MY NOC. I HAVE GIVEN ALL THE DUE PAYMENT. BUT YOU ARE NOT DON SETTLEMENT I HAVE ALL THE RECEIPTS.
FIRST SETTLEMENT RECEIPT NO.2131846 DATED. 18.8.2007
SECOND SETTLEMNT PAYMENT FORECLOSURE RECIPT NO.9372061 DT.25.06.2009
KINDLY SENT NOC FOR THE ABOVE
Hi,
We regret the inconvenience caused. We have made a note of your loan account number and will get in touch with you soon.
Regards,
ICICI Bank Customer Service Team.
We regret the inconvenience caused. We have made a note of your loan account number and will get in touch with you soon.
Regards,
ICICI Bank Customer Service Team.
ICICI Bank Ltd — Illegal alien in my account
I am having saving account no.[protected], which I am operating with my Husband.On 5th October, I went to an ATM to widhraw some cash bust was shocked to know that there is a negative balance in my account. On enquiring from call center I came to know that lien has been marked in my account by ICICIbank for disputed staff loan of my husband.
This illegal lien maked by bank has deperived me o[censored]sing my own money for day to day expenses also.
Bank has marked lien as shortcut for recovery of disputed loan amount, which is illegal.
I am not a party or gurantor to any ICICI bank loan, still bank has marked lien in my account.
Request you to remove the lien so that I can use my account to widhraw cash for my daily needs
Hi,
We are sorry to hear about the issue. We have noted down your account number and we'll get back to you at the earliest to address your concern.
Regards,
ICICI Bank Customer Service Team.
We are sorry to hear about the issue. We have noted down your account number and we'll get back to you at the earliest to address your concern.
Regards,
ICICI Bank Customer Service Team.
ICICI Bank Ltd — CLOSE MY A/C
APKE MUMBAI OFFICE SE PHONE AYA KI AAP KA A/C RUNNING MAIN NAHI HAI TO AAP ISKO BAND KARWA SAKTE HAIN ISME JO DEBIT BALANCE HAI VAH AAP DEPOSITE KARWA DO , MAINE MERE A/C MAIN DEBIT BALANCE DEPOSITE KARWA DIYE , LEKIN YAH A/C SE AB BHI MASSEGE ATE HAIN , BARBAR REQUEST KARNE PAR BHI YAH A/C BAND NAHI KIYA, , ATM MAINE AAP KI VAISHALI NAGAR JAIPUR BRANCH MAI DEPOSITE KARWA DIYA THA, AAP ISKO CHAHE 100 YEAR CHALAO MERE PASS KUCH NAHI HAI, 3000/= DEPOSITE KARA DIYE , A/C NO,[protected],, DATE[protected] , KO 1000/= [protected] KO , 2000/= ,, VAISHALI NAGAR BRANCH JAIPURCustomer satisfaction rating Customer satisfaction rating is a complex algorithm that helps our users determine how good
a company is at responding and resolving complaints by granting from 1 to 5 stars for each
complaint and then ultimately combining them all for an overall score.
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Complaints
23610
Pending
2047
Resolved
14236
+91 22 2653 1414
ICICI Bank Towers, Bandra-Kurla Complex, Mumbai, Maharashtra, India - 400051
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ICICI Bank Ltd — demanding wrongly dues
my credit card no is [protected].i have alredy deposited chq for rs 1078/ dt 06/06/2009.for the statement dt 21/05/2009.by mistake they have misplaced my cheque and not presented in clearing.for next month i have purchased for rs 308/ and paid the same.in next month i came to know that they have not presented cheque so i have paid the amount including 1078/.now for their mistake they have charged 615.69rs.so many times i have requested to reverse the wrongly charged amount but they are reversing partly,in october 2009 i have wrote and they replied to pay rs 174.49.i have refused to pay such amount as it was not my mistake.till date i have paid all my dues regularly.now every month they are sending statement demanding dues with the penalty charges.i have clearly wrote that i dont want to continue with you.i have received mail from mohammed osman gani customer service officer dt 3/10/09,and on 13/10/09 by mohammed shareef to pay 174.49rs.before 08/10/2009 ! it was their mistake and they are force to pay by me.in the statement they mentioned that your card has been blocked due to non payment.when i have paid all my bills why this type of harresment ?