[Resolved]  ICICI Car Loan — Discrepancies in payment posting & force closure of loan

ICICI bank Car Loan a/c no-- .LAMUM[protected]
• The loan started in May 2005 and the first EMI was on 01 June07. Which got cleared, which I was told that will be debited on 7th of every month.
• As My salary was on 7th of every month the second and the third EMI got
un cleared on time
• In August 2005 I was transferred from Mumbai to Varanasi.
• Before moving from Mumbai I have made payment on 26 August 2005 for Rs 7504 for EMI 2nd
• Initial set up, luggage transfer, child admission in school and personal expenses led to financial crunch for about three months
• Still I managed to pay another EMI on 03 Sept-05
• Another EMI was paid on 4th Oct-07
• Another payment was done on 18 Nov-05
• After that there was a big financial; issue due to a major CAR Accident.
• This accident had fully shaken me financially and I had to pay rs 65000 for its repair from my own resources
• The Insurance claim got settled for only rs 25000 and that too after 6 months
• Still I managed to pay the EMI in march & June to ensure that the account is on
• In between when ever I had a little of funds I managed to deposit in the account
• Then I decided to change my job and Go away from the family to Guwahati to be in a position to afford the EMI
• Soon after going there I started making the payments and have paid about 70000 in just 3 months time by arranging from various resources
• I was doubt ful about the pending EMI/amount told to me by call center so I asked for a statement.
• When I checked the statement the payment of rs 15008 shown on 30 april-07, done in Guwahati as cash payment in loan branch was shown as cheque payment. Which raised an alarm regarding the authenticity of their statement and data
• Then Once the ICICI bank saw that I am keen to pay the EMI they started depositing the security cheques in the account without any information/ concern ( in favor of ICICI Bank Limited) taken from me in advance without any dates on them. These were bounced intentionally as I had no idea about the banking of these cheques.
• I got my new address updated in the banks records
• The I again asked for an statement till 31 march-07 which showed a pending amount of only 17542
• This statement till 31 march 07 was given to me in November-07
• The I calculated the amount paid after march 07 and calculated that the new pending amount told to me was doubt ful
• I started calling the call centre , but they asked me to visit the loan branch.
• When I visited loan branch they asked me to call the call center.
• This again enhanced my doubts against the Bank policies and treatment.
• Then I started interacting via mail again & again but there was no sicere reply and all that I got as reply was the list of branches where I could make the payment
• In spite of this entire still in Dec-07 again I have made a lump sum payment of 22512.
• Till date I have already paid RS 198968 as per yourr own statement till 18 jan-08
• The ICICI bank has forgotten that I had a personal loan account with the bank with Loan a./c number LPMUM[protected] which I have already fore closed voluntarily in Dec-07
• After all these understanding, good behavior and keen to pay all I got is a letter from ICICI bank asking me to pay Rs 253000 in 7 days else the car will be taken in their custody and I will have to face legal consequences.

On the above grounds I Request you to please help me to continue the loan

Seeking your support & favour

Regards
Balwant Singh