[Resolved]  ICICI Bank Sec - 9 Chandigarh — Big Fraud in Personal Loan committed rate of interest 13% and given on 20%

Sir I m agree to pay with legal remaining amount of PL pls suggest for solve this issue i m waiting from 02.08.11 but no any solution from your side to till now

ICICI Bank — Fraud on Personal Loan commited rate of interest 13% and given on 20%

Fw: 'ICICICARE=[protected]' ICICI Bank. 2
Hide Details

FROM:

Hasmat Ali

TO:

[protected]@icicibank.com
customer.[protected]@icicibank.com

CC:

Shailendra Micro

Message flagged
Tuesday, September 27, 2011 4:48 PM
Dear Mr. Balaji

This mail forward to Mr. Amar Shah he is collection manager in ICICI Bank in Chandigarh sec 9. I m continue discussing with them reg. it.

Thanks & Regards
Hasmat Ali
[protected]
----- Forwarded Message -----
From: Hasmat Ali <[protected]@yahoo.com>
To: "[protected]@icicibank.com" <[protected]@icicibank.com>; "customer.[protected]@icicibank.com" <customer.[protected]@icicibank.com>
Cc: Shailendra Micro <[protected]@yahoo.co.in>
Sent: Tuesday, September 27, 2011 4:39 PM
Subject: Fw: 'ICICICARE=[protected]' ICICI Bank.

Reminder-1

Pls provide

Thanks & Regards
Hasmat Ali
[protected]
----- Forwarded Message -----
From: Hasmat Ali <[protected]@yahoo.com>
To: Head Service Quality <[protected]@icicibank.com>
Cc: Shailendra Micro <[protected]@yahoo.co.in>
Sent: Tuesday, September 27, 2011 10:50 AM
Subject: Re: 'ICICICARE=[protected]' ICICI Bank.

Dear Balaji
You are continue copy past same statement no any suggestion for solve this issue and not foreword this mail to concern deptt.

Kindly provide the Loan sectioned latter on urgent.

I m sending this mail to chairmen of ICICI Bank and to RBI Bank.


Today I discussed in RBI for fraud on PL he give suggestion to complaint to RBI Chairman that on what basis ICICI Bank give the PL at so higher rate of interest and why did not provide sectioned latter to customer.

Thanks & Regards
Hasmat Ali
[protected]
From: Head Service Quality <[protected]@icicibank.com>
To: Hasmat Ali <[protected]@yahoo.com>
Sent: Friday, September 23, 2011 8:16 PM
Subject: RE:'ICICICARE=[protected]' ICICI Bank.

Dear Mr. Ali,

We acknowledge receipt of your e-mail of September 23, 2011 addressed to Head Service Quality regarding your Personal Loan Account LPCHD[protected].

We reiterate that your complaint Service Reference Number is SR[protected]. We refer to your complaint and have to state as under:

We have investigated the case, and would like to clarify that the Most Important Terms and Conditions (MITC) and Personal Loan Agreement for the above loan indicate the following:

* The rate of interest 20% p.a
* The loan amount Rs. 1,91,608.00
* The EMI amount Rs. 7,121.00
* Pre payment charges 5.62%
* The tenure of the loan is 36 months.

We wish to inform you that the loan was disbursed based on the agreement and application that was dully authenticated by you. We must inform you that your acceptance of the disbursement cheque makes all the terms of the agreement legally binding on you. We have attached the Most Important Terms and Conditions (MITC) for your reference.

We wish to inform you that the loan was disbursed based on the agreement and application that was dully authenticated by you. We must inform you that your acceptance of the disbursement cheque makes all the terms of the agreement legally binding on you.

Further, we also state that ICICI Bank never asks the customer to sign blank documents/agreements.

We affirm that ICICI Bank at all times acts with diligence, in good faith, and in no manner prejudicial to the interests of its customers.

Sincerely,

Balaji Gupta Maddi
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER

This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank.

-----Original Message-----
From: Hasmat Ali ([protected]@yahoo.com)
Date: Friday, September 23, 2011 03:09 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Cc: Shailendra Micro ([protected]@yahoo.co.in)
Subject: Fw: ICICI Bank.

Dear Mr. Balaji

Today I have discussed with Mr. Amar Shah in collection deptt. in Chandigarh sec-9 ICICI Bank for fraud rate of interest but no any solution for compromise and not solved this issue he clearly says that you will have to pay full pay on 20% EMI. I m sorry to pay on 20% and I m ready to pay on legal rate of interest so pls give me any proof on which basis you had sectioned loan on 20%. and I m already write that i had sign on documents on blank and I want to know that who is sectioned rate of interest (your bank or you agent)


Today I discussed in RBI for fraud on PL he give suggestion to complaint to RBI Chairman that on what basis ICICI Bank give the PL at so higher rate of interest and why did not provide sectioned latter to customer.


So u r requested pls take serious to close it and provide me NOC latter. if you go for next action we (myself and Shailendra ) will go in Cosumer Court



Pls see below statement--

Dear sir,
Finally i am findind a person who avail the PL from ICICI Bank in same date and year,when i was availed thePL. The ROE of that person given by you is less than 20%.
Now, I am finally says that i am not submit any remaing EMI OF PL.if you are not give a suitable solution for the same than we both person (myself and Mr.Hasmat ali) free from legal action against you.
Dear sir, I request to you that please take it seriously and make a way to solve such situation at your end and also beneficial to all.

Thanks & Regards
Shailendra Shrivastva



----- Forwarded Message -----
From: Hasmat Ali <[protected]@yahoo.com>
To: "customer.[protected]@icicibank.com" <customer.[protected]@icicibank.com>; "[protected]@icicibank.com" <[protected]@icicibank.com>
Sent: Tuesday, September 13, 2011 3:23 PM
Subject: Fw: 'ICICICARE=[protected]' ICICI Bank.

Waiting for your response


I discussed with Customer Care at [protected] (172) so many times with Ms Veena Mam reg rate of interest but no any solution from them. they asked me that you will have to deposit all EMI at 20% no possibility of any changes. and collection deptt pres to me to deposit EMI at 20% rate of interest with bounce Charge and interest. I m sorry to pay any EMI and late fees until it is not clear at 13% rate of interest this is very fraud did with me by bank without any information reg rate of interest and not provide any documents to till now reg rate of interest. fraud thinks has kept confidential by bank did not disclose to till now without my need and not provide any documents reg PL and also rate of interest why ??? and what is your system after loan section to providing the documents I want to know.

So you r requested pls take serious and forward this mail to concern deptt to Chandigarh in PL deptt. and get it cleared. if there is no any changes clearly write that you will have to deposit all EMI at 20% rate of interest can't change in interest.

So that both person (I and Shailendra shrivastva) will claim in Consumer court for Clearance for fraud (420) done by bank's agent Mr. Sandeep. he was employ of Bank in 2008.

For further clarification pls call at office No. [protected]


Thanks & Regards
Hasmat Ali
[protected]


----- Forwarded Message -----
From: Hasmat Ali <[protected]@yahoo.com>
To: Head Service Quality <[protected]@ICICIBANK.COM>; "customer.[protected]@icicibank.com" <customer.[protected]@icicibank.com>
Cc: Shailendra Micro <[protected]@yahoo.co.in>
Sent: Tuesday, September 6, 2011 2:28 PM
Subject: Re: 'ICICICARE=[protected]' ICICI Bank.

Dear Mr. BalaJi

Why did not clear this fraud thinks this is totaly fraud and pls talk with me on [protected] or give your contect no. for communication.

Kindly Revert on urgent which bank was give PL on 20% in 2008 at that time there was a economic problem. I login on internet for Fraud on PL of 20% of ICICI Bank with both person.

U r writing every time same and not write for Clearance and not under stand my problem and given statement (Further, we also state that ICICI Bank never asks the customer to sign blank documents/agreements.) is
only for Customer not for your Agent Mr. Sandeep by whom done sign on blank documents and filled documents after sign why committed low interest at 13% and why did not disclose 20% and you r writing 20% rate of Interest on what basis you write only on sign on documents you know that these documents were filled after my sign why not write that no any solution from our bank site we both Person writing same statement at 13% ROI on the basis of Panacea biotec.

I want to Know your system of PL and which documents provide to customer at time of Loan sectioned I was unknown at that time. but You had to provide the following documents before and after loan sectioned
1) Loan sectioned latter with term and conditions after loan section after then you had to transfer amount in account after sign of customer. This is rule of other banks. If your Agent had put the rate of interest 10% then bank had sectioned the loan to me? And why did not send any documents to till now from bank and also massage of EMI we have received before two days of detection date in which not mention any term and condition of rate of interest. Why did not disclose any thing of 20% rate of interest.

And why did not provide the following
1) Complaint Registration No.
2) Track of Processing Fess of 2008 on PL

3) Track Record of rate of interest of 2008 on PL
4) Any other person who has take PL in 2008 with rate of interest and also with Company status
5) Documents sending proof of my PL which you have send on my address after 2-3 days of PL sectioned date as you have committed or your process of PL documents will send after 2-3 days of sectioned date of PL if not why did not send to till now until before my requirement or before my visit at your branch why---???????


So you are requested pls forward this mail to concern department if you are not solved it.
At the time of Loan taking and filling documents I with two friends of Panacea biotec out of which one Person Mr. shailendra Shrivasta take loan with me on same situation and same conditions so both persons send mail to customer care and call again to again in customer care but to till now no any action has taken from your side.
On the basis of Panacea Biotec other banks were agree given to me PL at abt 14% but on the basis of 13% I taken from your bank. If 20% rate of interest was disclosed from your agent or from your documents, I was not bounded with you to take PL at 20% and Why take ?????? this is totally fraud.
So you are requested pls take serious and get it cleared at your end otherwise both person will go in consumer court and also with other friend who was present with me at that time and without clearance I m sorry to pay at 20% rate of interest I m agree for clearance at 13% rate of interest.
Pls revert ASAP if you can clear this issue at your end if not pls revert and also provide the Complaint Registration No. of mail which I have sending continue from 04.08.11. and also my friend Mr. shailendra Shrivastva.


For proof pls see below statement of Mr. Shailendra Shrivastav


Thanks & Regards
Hasmat Ali
[protected]
From: Head Service Quality <[protected]@ICICIBANK.COM>
To: Hasmat Ali <[protected]@YAHOO.COM>
Sent: Monday, September 5, 2011 8:35 PM
Subject: RE:'ICICICARE=[protected]' ICICI Bank.

Dear Mr. Ali,

We acknowledge receipt of your e-mail of September 3, 2011 addressed to Head Service Quality regarding your Personal Loan Account LPCHD[protected].

We reiterate that your complaint Service Reference Number is SR[protected]. We refer to your complaint and have to state as under:

We have investigated the case, and would like to clarify that the Most Important Terms and Conditions (MITC) and Personal Loan Agreement for the above loan indicate the following:

* The rate of interest 20% p.a
* The loan amount Rs. 1,91,608.00
* The EMI amount Rs. 7,121.00
* Pre payment charges 5.62%
* The tenure of the loan is 36 months.

We wish to inform you that the loan was disbursed based on the agreement and application that was dully authenticated by you. We must inform you that your acceptance of the disbursement cheque makes all the terms of the agreement legally binding on you. We have attached the Most Important Terms and Conditions (MITC) for your reference.

We wish to inform you that the loan was disbursed based on the agreement and application that was dully authenticated by you. We must inform you that your acceptance of the disbursement cheque makes all the terms of the agreement legally binding on you.

Further, we also state that ICICI Bank never asks the customer to sign blank documents/agreements.

We affirm that ICICI Bank at all times acts with diligence, in good faith, and in no manner prejudicial to the interests of its customers.

Sincerely,

Balaji Gupta Maddi
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER


-----Original Message-----
From: Hasmat Ali ([protected]@yahoo.com)
Date: Saturday, September 03, 2011 11:45 AM
To: Head Service Quality ([protected]@icicibank.com); customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Cc: Shailendra Micro ([protected]@yahoo.co.in)
Subject: Re: ICICI Bank.

Dear Mr. BalaJi Gupta
kindly Revert on urgent

Both person (I and Shailendra Personal Loan Account LPCHD[protected].) will forward and will go in consumer court Nalagarh (HP) if you will not compromise in clearance. this is 420 thinks of bank happened with both persons and now doing fraud communication by mail not understand my problem. so Mr. balaji you are requested pls revert any option for clearance from your side if not pls write in mail so that I can take necessary action but I m sorry to pay at 20% rate of interest that is very higher. this rate was not of any bank in 2008 this fraud and 420.

Thanks & Regards
Hasmat Ali
[protected]
From: Head Service Quality <[protected]@icicibank.com>
To: Hasmat Ali <[protected]@yahoo.com>
Sent: Friday, September 2, 2011 8:44 PM
Subject: RE:'ICICICARE=[protected]' ICICI Bank.

Dear Mr. Ali,

We acknowledge receipt of your e-mail of September 1, 2011 addressed to Head Service Quality regarding your Personal Loan Account LPCHD[protected].

Your complaint Service Reference Number is SR[protected]. We refer to your complaint and have to state as under:

We have investigated the case, and would like to clarify that the Most Important Terms and Conditions (MITC) and Personal Loan Agreement for the above loan indicate the following:

* The rate of interest 20% p.a
* The loan amount Rs. 1,91,608.00
* The EMI amount Rs. 7,121.00
* Pre payment charges 5.62%
* The tenure of the loan is 36 months.

We wish to inform you that the loan was disbursed based on the agreement and application that was dully authenticated by you. We must inform you that your acceptance of the disbursement cheque makes all the terms of the agreement legally binding on you. We have attached the Most Important Terms and Conditions (MITC) for your reference.

We wish to inform you that the loan was disbursed based on the agreement and application that was dully authenticated by you. We must inform you that your acceptance of the disbursement cheque makes all the terms of the agreement legally binding on you. We have attached the MITC for your reference.

Further, we also state that ICICI Bank never asks the customer to sign blank documents/agreements.

We affirm that ICICI Bank at all times acts with diligence, in good faith, and in no manner prejudicial to the interests of its customers.

Sincerely,

Balaji Gupta Maddi
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER

This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank.

-----Original Message-----
From: Hasmat Ali ([protected]@yahoo.com)
Date: Thursday, September 01, 2011 10:26 AM
To: Head Service Quality ([protected]@icicibank.com); customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Cc: Shailendra Micro ([protected]@yahoo.co.in)
Subject: Re: ICICI Bank.

Dear Bala Ji
No any solution from your side for fraud clarification kindly provide Complaint No. I awaiting for it from 04.08.11 but not provide and other requirements of customer you did not provide or not justified.

pls see below for complaint No. for my friend Mr. Shailendra Shrivastva which provided from your side.

To: [protected]@yahoo.co.in
Sent: Fri, 26 Aug 2011 20:53 IST
Subject: RE:'ICICICARE=[protected]' ICICI Bank

Dear Mr. Shrivastava,

We acknowledge receipt of your e-mail of August 26, 2011 addressed to Head Service Quality regarding your Personal Loan Account LPCHD[protected].

The complaint has been registered vide Service Reference Number SR[protected].

We understand that you have the following complaint:

Clarification on rate of interest towards your personal loan account.

We are looking into the issue and will revert to you on or before September 6, 2011.

Sincerely,

Vishnu Kumar
Office of Head Service Quality



Thanks & Regards
Hasmat Ali
[protected]


From: Head Service Quality <[protected]@icicibank.com>
To: Hasmat Ali <[protected]@yahoo.com>
Sent: Monday, August 29, 2011 9:36 PM
Subject: RE:'ICICICARE=[protected]' ICICI Bank.

Dear Mr. Ali,

We refer to your e-mail of August 25, 2011 addressed to Head Service Quality regarding your Personal Loan Account LPCHD[protected].

We have investigated the case, and would like to clarify that the Most Important Terms and Conditions (MITC) and Personal Loan Agreement for the above loan indicate the following:

* The rate of interest 20% p.a
* The loan amount Rs. 1,91,608.00
* The EMI amount Rs. 7,121.00
* Pre payment charges 5.62%
* The tenure of the loan is 36 months.

We wish to inform you that the loan was disbursed based on the agreement and application that was dully authenticated by you. We must inform you that your acceptance of the disbursement cheque makes all the terms of the agreement legally binding on you. We have attached the Most Important Terms and Conditions (MITC) for your reference.

We wish to inform you that the loan was disbursed based on the agreement and application that was dully authenticated by you. We must inform you that your acceptance of the disbursement cheque makes all the terms of the agreement legally binding on you. We have attached the MITC for your reference.

Further, we also state that ICICI Bank never asks the customer to sign blank documents/agreements.

We affirm that ICICI Bank at all times acts with diligence, in good faith, and in no manner prejudicial to the interests of its customers.

Sincerely,

Balaji Gupta Maddi
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER

This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank.


-----Original Message-----
From: Hasmat Ali ([protected]@yahoo.com)
Date: Thursday, August 25, 2011 01:01 PM
To: Head Service Quality ([protected]@icicibank.com); customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Cc: Shailendra Micro ([protected]@yahoo.co.in); shailendra.[protected]@gmail.com (shailendra.[protected]@gmail.com)
Subject: Re: ICICI Bank.

Thanks Sir

For Cooperation

Thanks & Regards
Hasmat Ali
[protected]
From: Head Service Quality <[protected]@ICICIBANK.COM>
To: Hasmat Ali <[protected]@yahoo.com>
Sent: Wednesday, August 24, 2011 8:03 PM
Subject: RE:'ICICICARE=[protected]' ICICI Bank.

Dear Mr. Ali,

We acknowledge receipt of your e-mail of August 20, 2011 addressed to Head Service Quality regarding your Personal Loan Account LPCHD[protected].

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 August 30, 2011.

Sincerely,

Balaji Gupta Maddi
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER

This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank.



-----Original Message-----
From: Hasmat Ali ([protected]@yahoo.com)
Date: Tuesday, August 23, 2011 02:54 PM
To: Head Service Quality ([protected]@icicibank.com); customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Cc: shailendra.[protected]@gmail.com (shailendra.[protected]@gmail.com); Shailendra Micro ([protected]@yahoo.co.in)
Subject: Re: ICICI Bank.

Dear Mr. BalaJi
Are you not understand what I m saying and what I m writing in Mail you are write again to again and based on only Agreement copy are you understand what documents I want in mail and why did not provide to till now and no any solution from your side If it can not solved at your end and can not provide any document to customer clearly write in mail and revert. when this system will on to read and write of mail and send to you and you send to me.
I discussed in Personal Loan Deptt in Chandigarh on No. [protected] but no any solution to solve this issue Why ???

So I request to you pls get it cleared at your end so I can deposit your amount. and kindly provide my Cheques with NOC latter.

Thanks & Regards
Hasmat Ali
[protected]
From: Head Service Quality <[protected]@icicibank.com>
To: Hasmat Ali <[protected]@YAHOO.COM>
Sent: Monday, August 22, 2011 9:09 PM
Subject: RE:'ICICICARE=[protected]' ICICI Bank.

Dear Mr. Ali,

We acknowledge receipt of your e-mail of August 20, 2011 addressed to Head Service Quality regarding your Personal Loan Account LPCHD[protected].

We have investigated the case, and would like to clarify that the Most Important Terms and Conditions (MITC) and Personal Loan Agreement for the above loan indicate the following:

* The rate of interest 20% p.a
* The loan amount Rs. 1,91,608.00
* The EMI amount Rs. 7,121.00
* Pre payment charges 5.62%
* The tenure of the loan is 36 months.

We wish to inform you that the loan was disbursed based on the agreement and application that was dully authenticated by you. We must inform you that your acceptance of the disbursement cheque makes all the terms of the agreement legally binding on you. We have attached the Most Important Terms and Conditions (MITC) for your reference.

We wish to inform you that the loan was disbursed based on the agreement and application that was dully authenticated by you. We must inform you that your acceptance of the disbursement cheque makes all the terms of the agreement legally binding on you. We have attached the MITC for your reference.

Further, we also state that ICICI Bank never asks the customer to sign blank documents/agreements.

We affirm that ICICI Bank at all times acts with diligence, in good faith, and in no manner prejudicial to the interests of its customers.

Sincerely,

Balaji Gupta Maddi
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER

This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank.


-----Original Message-----
From: Hasmat Ali ([protected]@yahoo.com)
Date: Saturday, August 20, 2011 06:47 PM
To: Head Service Quality ([protected]@icicibank.com); customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Cc: Shailendra Micro ([protected]@yahoo.co.in); shailendra.[protected]@gmail.com (shailendra.[protected]@gmail.com)
Subject: RE: 20% interest on Personal Loan (ICICI Bank)

Dear Bala Ji / Sangeeta Dube

Given information are totally wrong you are doing fraud in this also.
*The rate of interest 20% p.a
* The loan amount Rs. 1,00,000.00
* The EMI amount Rs. 3,097.00
* Foreclosure charges 5%
* The tenure of the loan is 48 months.
The PL Amount Had bee sectioned as below

Loan Amount ----->191,608.00
Loan Equated Monthly Installment ( E.M.I ) amount-----> 7121.00
For 36 Months

As per your mail statement (we also state that ICICI Bank never asks the customer to sign blank documents/agreements.) is this statement is only for customer not for your agent ? and where reflect your document and I was unknown from Loan's documents but your Agent Mr. sandeep was aware do not sign on blank documents but why put sign of me on blank documents this is 420 thinks and why did not ask with me that don't sign on blank documents. I & my Friend put sign on Blank documents on believe of Mr. Sandeep.

I want to Know your system of PL and which documents provide to customer at time of Loan sectioned I was unknown at that time. but You had to provide the following documents before and after loan sectioned
1) Loan sectioned latter with term and conditions after loan section after then you had to transfer amount in account after sign of customer. This is rule of other banks. If your Agent had put the rate of interest 10% then bank had sectioned the loan to me? And why did not send any documents to till now from bank and also massage of EMI we have received before two days of detection date in which not mention any term and condition of rate of interest. Why did not disclose any thing of 20% rate of interest.

And why did not provide the following
1) Complaint Registration No.
2) Track of Processing Fess of 2008 on PL

3) Track Record of rate of interest of 2008 on PL
4) Any other person who has take PL in 2008 with rate of interest and also with Company status
5) Documents sending proof of my PL which you have send on my address after 2-3 days of PL sectioned date as you have committed or your process of PL documents will send after 2-3 days of sectioned date of PL if not why did not send to till now until before my requirement or before my visit at your branch why---???????


So you are requested pls forward this mail to concern department if you are not solved it.
At the time of Loan taking and filling documents I with two friends of Panacea biotec out of which one Person Mr. shailendra Shrivasta take loan with me on same situation and same conditions so both persons send mail to customer care and call again to again in customer care but to till now no any action has taken from your side.
On the basis of Panacea Biotec other banks were agree given to me PL at abt 14% but on the basis of 13% I taken from your bank. If 20% rate of interest was disclosed from your agent or from your documents, I was not bounded with you to take PL at 20% and Why take ?????? this is totally fraud.
So you are requested pls take serious and get it cleared at your end otherwise both person will go in consumer court and also with other friend who was present with me at that time and without clearance I m sorry to pay at 20% rate of interest I m agree for clearance at 13% rate of interest.
Pls revert ASAP if you can clear this issue at your end if not pls revert and also provide the Complaint Registration No. of mail which I have sending continue from 04.08.11. and also my friend Mr. shailendra Shrivastva.


For proof pls see below statement of Mr. Shailendra Shrivastav




Thanks & Regards
Hasmat Ali
[protected]



Dear madam
after 34 hrs there are no response from your side. madam please to be clear and close this issue.

regards,

On Wed, 17 Aug 2011 21:21 IST shailendra shrivastava wrote:

>Dear Madam,
>So many calls in customer care of your bank and so many mails written by you. Madam this document sends by you is not valid because of this is in your hand to put rate of interest of PL 30%, 40% or more. I was believe all of you because I know that ICICI is a very big repudiated bank and treat same all customer but you all are doing big fraud against me in PL this is very doubtful.
>Please madam sends a proper justification for the same. I am request to you please send an only one candidate PL rate of interest given by you in same date in 2008. 20% PL rate of interest is not possible in 2008 because of all other banks give PL between 13% to 15% due to low economic time. After commitment of 13% rate of interest why you are put 20% rate of interest and why you are not intimate for the same at the time of availing the loan.
>In this mail I want to say that I am not able to paid remaining EMI of PL, if you want than send proper justification.
>I am awaiting for your response for clearance on the basis of 13% rate of interest and you are requested that please get it cleared at your end and also return my Cheques with NOC latter. I am agree for pay on basis of 13% of total Amount of PL. but I am sorry to pay at 20% rate of interest.
>
>Regards,
>
>
>From: ICICI Bank Customer Care <customer.[protected]@ICICIBANK.COM>
>To: shailendra shrivastava <[protected]@yahoo.co.in>
>Sent: Friday, 12 August 2011 5:03 PM
>Subject: RE:'ICICICARE=[protected]' BIG FRAUD FROM YOUR SIDE IN PL
>
>Dear Mr. Shrivastava,
>
>Please be informed that Rate of Interest for you Personal loan account LPCHD[protected] has been levied as per the Agreement copy duly signed by you as Interest type Fixed.
>
>We regret our inability to process your request to opt interest at 13%, as 20% is the interest rate which is promised at the time of availing the loan.
>
>Looking forward to more opportunities to be of service to you.
>
>Sincerely,
>
>Pavitra Janga
>Customer Service Manager
>ICICI Bank Limited.


From: Head Service Quality <[protected]@ICICIBANK.COM>
To: Hasmat Ali <[protected]@YAHOO.COM>
Sent: Thursday, August 18, 2011 7:58 PM
Subject: RE:'ICICICARE=[protected]' ICICI Bank

Dear Mr. Ali,

We acknowledge receipt of your e-mail of August 17, 2011 addressed to Head Service Quality regarding your Personal Loan Account LPCHD[protected].

We have investigated the case, and would like to clarify that the Most Important Terms and Conditions (MITC) and Personal Loan Agreement for the above loan indicate the following:

* The rate of interest 20% p.a
* The loan amount Rs. 1,00,000.00
* The EMI amount Rs. 3,097.00
* Foreclosure charges 5%
* The tenure of the loan is 48 months.

We wish to inform you that the loan was disbursed based on the agreement and application that was dully authenticated by you. We must inform you that your acceptance of the disbursement cheque makes all the terms of the agreement legally binding on you.

Further, we also state that ICICI Bank never asks the customer to sign blank documents/agreements.

We affirm that ICICI Bank at all times acts with diligence, in good faith, and in no manner prejudicial to the interests of its customers. Sincerely,

Balaji Gupta Maddi
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER

This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act done with the endorsement of ICICI Bank.


-----Original Message-----
From: Hasmat Ali ([protected]@yahoo.com)
Date: Wednesday, August 17, 2011 06:42 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com); [protected]@icicibank.com ([protected]@icicibank.com)
Subject: SUSPECTED SPAM :Re: 20% interest on PersonalLoan (ICICI Bank)

Dear Ms Sangeeta Dube
You and your Branch can not solve this problem and not understand the matter and our statement and also of our my friend Mr. shailendra Shrivastva ' s statement for fraud filled agreement after my sign. and you are not cleared at your end I can not pay at any cost and I will forward this mail in Consumer Court for fraud clarification. So you are requested pls take serious and cleared at your end.

You are not understand that this agreement copy was filled after my sign and sign put on believe of your officer Mr. Sandeep in presence of Mr. Shailendra Shrivasta and same happened with him.

Thanks & Regards
Hasmat Ali
[protected]
From: ICICI Bank Customer Care <customer.[protected]@ICICIBANK.COM>
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Sent: Wednesday, August 17, 2011 3:18 PM
Subject: RE:'ICICICARE=[protected]' 20% interest on Personal Loan (ICICI Bank)

Dear Mr. Ali,

Based on our telephonic conversation on August 17, 2011, please be informed that the Rate of Interest applicable for your loan account LPCHD[protected] has been agreed by you during the loan agreement via your Authorized Signature and the agreed rate of interest thereby cannot be changed or reduced.

Further, we regret that we would not be able to confirm the Rate of Interest as was applicable for Personal Loan in year 2008, as rate of interest varies from customer to customer.

For any further grievance with respect to your query, please write to *STEP 3* through the "Complaints" option at our website or write to [protected]@icicibank.com

Sincerely,

Sangeeta Dube
Customer Service Manager
ICICI Bank Limited


DISCLAIMER:

This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.
You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.
The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.





















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Sir I m waiting for ur reply pls solve this issue the loan had been taken in 2008 at that time there was a economic problem and rate of interest of other banks was at abt 14% and your agent given loan at 13% on the basis of Panacea biotec ltd and found in record 20% and taken all EMI at 20% and not disclose rate of interest 20% and fill these documents after my sign this agreement copy had kept blank for bank sectioned rate of interest but put 20% that is very higher and to till now no any documents provide me.

I m agree to pay remaining EMI on legal rate of interest.

Hi,

We are sorry to hear about your experience. We have made a note of your mobile number. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Bank Customer Service Team

Both Personas are in waiting for solving this issue from 02.08.11 to till now no any positive Response from Bank side
Same Complain is of Mr. Sailendra Shrivastava details as below
Personal Loan Account LPCHD[protected].
The complaint has been registered vide Service Reference Number SR[protected].

Hi,

We understand that our official had spoken to you yesterday.

Regards,
ICICI Bank Customer Service Team.

No any solution from bank side my EMI due abt 20000rs due to no any clearance from their side. This case given to Mr. Sanjeev (Mob. No. [protected]) from bank side he told me to deposit one EMI after than will issue NOC latter. According to him I deposited one EMI on dated 22.09.11 and he told that you come my office and your NOC laater has received on 8000rs and I will provide to U. So I went to his office for NOC latter with remaining pay on dated 22.10.11 but not show and not provide after than I send this mail to Customer care he told me that don't deposit money without NOC latter or in written so pls suggest what should be do further.