[Resolved]  ICICI Bank Ltd — Home Loan foreclosure charges

ICICI Bank Ltd — Foreclosed my loan account

I have taken a Loan of Rs 86, 000 on my credit card at interest rate of 18% for 48 months. I have paid EMI's for 12 months. My loan account was foreclosed without intimating me.

The bank officials are telling that we have foreclosed the loan account and the total amount due is RS 99, 000.

I have taken a loan of Rs 86000 and paid EMI's for 12 months.now they are asking me to pay Rs 99, 000.

They are harassing by making calls

Thanking You

Regards
Vishveshwar Rao

Sir,
I have taken loan 72000/- from my credit card and paid 36 instalment, at present I paid 30 instalment, now I want to pay balance amt and foreclosde my account, pls convey me how I forclosed my account.

Hi,

We regret the problem caused to you. Please send us your contact details at [protected]@icicibank.com and we shall get in touch with you soon to resolve the matter. Kindly refer "2069300" in the subject line.

Regards,
ICICI Bank Customer Service Team

Hello,

I got a call from ICICI mumbai branch from Mr. Vinay. He asked me about all the details about how I arrange the money for foreclosing the loan, I explained him that I have not taken any loan from any other financial institution. I have arranged the money from my own pocket. Then, he confirmed that he will discuss about this matter with sector 50 branch of Noida. And if I have not taken any loan, I shall definately revert back my foreclosure charges. Now next day, I got a mail a below and I replied also, but still no response.

My complaints:

1. If you don't want to return my money, why you were asking so many questions. Who are you to ask such questions to me?

2. I got below reply "We wish to inform you that the offer is applicable to Housing Finance Companies only and not on banks. Thus this offer will not be applicable in your case." Is ICICI home finance is not housing finance company?

3. Why you are not replying to my mail?

Pls revert back early.

Regards,
Nitin

I got a reply from ICICI ctm care "We wish to inform you that the offer is applicable to Housing Finance Companies only and not on banks. Thus this offer will not be applicable in your case." I contacted ICICI they told me that ICICI bank and ICICI Home finance are two different companies. The perosn said that ICICI bank loan account starts from LB while ICICI home finance loan account starts from LH.

I tried to find out this information on internet, but I couldn't. They are simply cheating the customers.