[Resolved]  ICICI Bank Personal Loan — harrasment

ICICI-Personal Loan — Harrasment

Greetings

My name is Bharat Singh residence of S-50a, Sunder block, Shakarpur, New delhi-110092, i am a consumer of ICICI bank.
I have taken a loan of Rs 100000 from ICICI in March 2007 since then i am continously paying my EMI which is Rs 2783. They have some technical issue because of which it never got clear through ECS but i have always paid by cash or cheque.
I got a call from ICICI agency on May 8th 2009 asking for the payment. The telecaller insisted to have a two hour slot for sending the executive. I gave the time 1100 to 1300 for May 9th 2009. No one turned up to take the payment but i got two call around 1500, One from field executive who harrased me and second from Telecaller who was saying it was my fault and i should have been at home at 1500 as well. I asked them to send the executive next day.
Next day i.e 10th may 2009(sunday) i got a call at 7.30, i was sleeping and i asked him to call later as it was too early for sunday. I again got a call at 10.30 and this time he abused me, Harrased me & threatened me of Financial reputation and losses.
Since then i havent paid any EMI and daily i am getting calls from these telecallers asking for the payments. Every time i tell them to send the same executive whose name was Gaurav to collect the payment or send me an apology mail and collect their due EMI.
I havent received any apology since now. These telecallers have harrased me enough and now i am very depressed.
Kindly take some strict action........

Regards
Bharat Singh
[protected]
[protected]
[protected]@gmail.com

ICICI Bank — Harrasment by the bank and foul charges

Harrasment by the bank and foul charges
I am the Credit Card holder for the following card:

ICICI Silver Card - [protected] since 5 years.

I am using the this card for more than 5 years from past 1 year I am not using this card. Now for so many months I am following up with different employees of the bank that I want to settle the amount or convert the balance amount to EMI and want a reversal on the unnecessary charges and interest levied on me. I have used around 45,000 only they have made now it as 73,425.16 and telling me to settle the amount at one shot. As of now recession is there. Running family is the main problem for me. On contrary to that I receive stupid calls and I am getting harassed by the DSA agencies hired by the bank. This kind of verbal harassment is really giving me sleepless nights. Secondly when I called the customer service executive, she is very casually saying that I cannot put a request for settlement as I am a normal payer and not a defaulter, so if I default for 2-3 months then only I can place a request for settlement. Here I am ready to settle the amount or pay the amount by EMI and the bank is not bothered, and just interested to put me in a debt trap and on the contrary put me on the verbal harassment by this goons hired by the bank. What they want is that I pay a min amount and be in their debt trap forever and they keep on enjoying interest from me.I have been a great customer for the bank by giving huge interest in personal loan and credit cards but now I will not entertain any of this. I have canceling my cards and warning the bank not to bother me with unnecessary calls or else I will take legal action.But needless to say they are still continiuing to harass me and telling me to do the min amount payment.Around 3-4 diffrenet ppl from different agencies call me. Now they have sent a letter stating that they will take the amount from my Saving account which salary is credited. If this continues I have to die.

Can you help me what are the regulations under RBI and how my problem can be solved and what actions can be taken against them.

Dear Mr. Kumar,

We're sorry to hear about your experience. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.