[Resolved]  ICICI Home Finance Company — Non Return of Original Documents

ICICI/Home loan — Non returning of original home documents

Respected sir/madam
i mahaboob pasha s/o late abdul jaleel complaining about the subject to the company.
as i know that my father Abdul jaleel(A.G.M)Bescom had applied an application for home loan in your bank for Rs.seven lakhs and company had sanctioned Rs.six lakhs sixty thousand, and my father had nearly paid an amount of one lakh eighty thousand rupees to the bank throuhg EMI.but unfortunately he(First applicant) had died in an accident in the year 2005 of sep 23rd, there after my mother(Second applicant) had also died on 25th sep of 2005.afterwards we no source of income to repay the extent amount of loan to the bank.After enquiring the loan documents we have found that the extent principal amount of loan will be recovered from the insyurance company and we have asked the bank officails about this they also replied the same.and we take nearly six months to produce Gov documents and submitted inthe shimoga ICICI.
But nearly two and half year had left no one of the bank officials had taken the responsibilities and did not return the original documents to us .So i kindly request in you to return the original documents as early as possible at your convienience and oblige.
Thanking you.
i am sending the loan details to you.
Application number:-[protected].
File number:-[protected].
LAN number:-LBHAS[protected].
Loan amount sanctioned:-Rs.6, 61, 000/-
Paid amount:-Rs.1, 88, 148/-
year of sanction:-2003
loan agency:-Ashiyana home finance, Hassan, KArnataka
my contact:-[protected], e-mail id:[protected]@yahoo.com

Your's faithfully
Mahaboob pasha.

ICICI Home Finance — return of original documents

non-return of original documents. paid balance amount of Rs. 1, 90, 037 on 14.11.2008 at ICICI Bank, Begumpet, Hyderabad, A.P. vide Receipt No.[protected]. My mobile No. [protected]. no action taken in returning my papers. almost one month passed. I am informed that I will get paperswithin 21 days.

My home loan A/C No LB FER [protected], I repay instalment each month regularly since 2003. But uptill now no statement has been recd uptill now, which I know balance amt of loan. So kindly send me detail of my account.

ICICI Bank Limited — EPS not returned by ICICI Bank

Dear Concerned

I was the emp of ICICI Bank from the year Jun2006 to Jun 2008. Its been almost 1.5 years i have left the org and till now i have not received by PF. When inquired from ICICI people they said my salary account had been closed and Regional provident fund office in Mumbai had not received my cheque back. As they were saying they had submitted the cheque in my account, and it was returned because of account closure on 31/7/2009.

Now i have given them my latest account no as required by them and now they are saying first they will receive the old cheque which they havent received till now and then they will issue me the new cheque and will lodge in my new account no.

They are just harassing me as how it is possible that since 31/7/09 they have not received the cheque.

Request you to intervene into the matter as with your timely help i will receive my hard earned money.

Regards
Nikhil
[protected]

CURRICULAM VITE


Name SWAPAN KUMAR BISWAS



Father’s Name Ashoke kumar Biswas



Date of Birth 28 / 10 / 1987


Permanent Address Basirhat Mirzapur Near- D P Nanda House
Po-Basirhat College
Dist-24pgs(N)
Pin-743412




Local Address C/o- Dipak Biswas
Madhyam Gram Vivekananda Nagar
Near Sishu Uddyan
Kolkata-700129



Sex Male




Contact No [protected]



E-Mail [protected]@yahoo.com



Nationality Indian


Religion Hindu



Caste General


Language Known Bengali, Hindi & English



Educational Qualification

Examination passed Board / University Year Of Passing Marks
MADHYAMIK W.B.B.S.E 2003 514
H..S W.B.C.H.S.E. 2005 450
B.A C.U. 2008 580


Hobbies cricket & Football


Computer Qualification MS Word, Excel & Internet

Working Experience September 2007
ICICI BANK LTD.
SALT LAKE SEC II Branch
As a SE
Selling Current A/C

September 2008
ICICI BANK LTD
GARIAHAT Branch
As a BSSE
Selling current A/C
&
Customer care

Declaration: I do hereby declare that the above statement are true and correct to the best of my knowledge.


Place:


Date ______________________________

ICICI/Home loan — joint names appearing in loan statement

LOAN HAS BEEN AVAILED MY ME AND THE SAME HAS BEEN SANCTIONED ON THE CREDIANTIALS OF MY DOCUMETATION AND SINCE MY WIFE IS AN HOUSE WIFE AND AN NON EARNING MEMBER HER NAME TOO HAS BEEN INCLEDED IN THE LOAN AGREEMENT

HENCE ONLY MY NAME ONLY SHOULD APPER IN THE DOCUMENTS FOR ALL LEGAL PURPOSE

NO [protected]

Dear Mr. Reddy,

We are the customer service team of ICICI Bank.
We will contact you and address your query.

Regards,
ICICI Customer Service Team.

Hi,

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

Regards,
ICICI Bank Customer Service Team.

My name is Chamarty Viswanadham, aged 45 years, working as Senior Manager in Rashtriya Ispat Nigam Limited, Visakhapatnam Steel Plant, Visakhapatnam (Mobile No.[protected], [protected]) residing at the above given address.

M/s ICICI Housing Finance Corporation Limited (ICICIHFCL), 101-A, 1st Floor, 10-1-43, Siripuram Fort, CBM Compound, Visakhapatnam – 530 003 sanctioned a loan of Rs.235000/- upon executing an agreement bearing file No. No.[protected], dated 15/03/2003 for take over of loan from M/s Housing Development Finance Corporation. M/s ICICI Bank fixed the repayment schedule of the loan in 48 equal month installments (EMIs) of Rs.5765/- starting from 07/05/2003 to 07/05/2007. M/s ICICI Bank disbursed the loan of Rs.234681/- by deducting pre-EMI interest of Rs.319/- from loan amount of Rs.235000/- by way of cheque No.612144, dated 25/03/2003 in favour of M/s HDFC, Visakhapatnam.

In connection to this loan transaction towards security, ICICIHFCL demanded me to deposit the Original Property Documents in respect of property situated at Plot No.41, Netaji Nagar, Bommuru, Rajahmundry – 533101, East Godavari District, Andhra Pradesh. Accordingly I have deposited the following documents after receiving acknowledgement from Shri DVK Madhav, Relationship Officer of ICICIHFCL on 08/09/2003.

(a) Sale Deed No.42/95, Dated 19/05/1995
(b) Link Sale Deed No.7341/83, dated 06/08/1983
(c) Encumbrance Certificate No.493/99, dated 13/04/1999
(d) Encumbrance Certificate No.3541/99, dated 15/04/1999



For initial two years, I have paid loan amount by way of post dated cheques in favour of M/s ICICIHFCL, Visakhapatnam. Later, I was asked to give posted cheques in favour of ICICI Bank Limited (ICICIBL), Visakhapatnam. I have repaid entire loan amount promptly in 48 installments as fixed in the agreement to ICICIHFCL/ICICIBL on 07/04/2007. Then I have demanded the ICICIHFCL/ICICIBL for returning of Original Property Documents. I have sent several reminders to the Bank.

I have filed a case against ICICI Bank Limited in District Consumer Forum, Visakhapatnam and also made an appeal on the verdict of District Consumer Forum in AP State Consumer Disputes Redressal Commission (APSCDRC), Hyderbad. However, ICICI Bank Limited does not bother to comply with the verdict given by APCDRC, Hyderabad. (Copy of judgments of District Forum & APSCDRC are attached herewith)

The matter was also taken up through National Housing Bank, Mumbai for returning the documents by ICICIHFCL/ICICIBL. There was no reply from NHB or ICICIHFCL/ICICIBL till date.

ICICIHFCL/ICICIBL does not furnish details as regarding where, when, how and in which circumstances the original documents are lost/misplaced. Since beginning of informing the non-tractability of documents in 2007, ICICIHFCL/ICICIBL is asking me for giving consent for obtaining certified duplicate copies of the documents. If the original documents are destroyed due to the reasons such as fire, floods, etc and cannot be traced back under any circumstances, then the question of certified duplicate copies will arise. If the ICICIHFCL/ICICIBL misplaced the original documents or delivered wrongly to a third party, the question of certified duplicate copies will not arise and the ICICIHFCL/ICICIBL is responsible for locating and delivering the documents to me. For the past four and half years, though the matter was taken up in several ways, but the ICICIHFCL/ICICIBL failed to bring out such reasons for loss/misplacement of original documents and circumstances under which original documents lost/misplaced to the my notice immediately and no supporting evidence like extracts of registers, etc was provided by ICICIHFCL/ICICIBL to me.

If the ICICIHFCL/ICICIBL really misplaced original documents in their office, the ICICIHFCL/ICICIBL could have tracked the same down by obtaining the services of independent professional investigators, like chartered accountants etc. ICICIHFCL/ICICIBL neither made any such efforts in the past three and half years nor provided any evidence to me in respect of such efforts made by the ICICIHFCL/ICICIBL.

As aforesaid, since beginning ICICIHFCL/ICICIBL is showing very much interest to obtain the certified duplicate copies of documents, but does not paying any interest for tracing the original documents. The reason might be that once the original documents are recreated, the ICICIHFCL/ICICIBL may definitely avoid its responsibility of tracing back the original documents and delivery of the same to me as well as the loss that may be caused due to me because of misuse of original documents by third parties. In such circumstances, ICICIHFCL/ICICIBL has to establish by way of report of an independent professional investigator that the all documents in their office are verified and my original documents cannot be traced.

Further the behaviour of ICICIHFCL/ICICIBL not responding to the request of the undersigned to furnish evidence of records maintained for recording the movements of original property documents, etc is giving thought that some fraud is going on.

The original property documents and its original link documents are always essential for any future transaction by me. Whenever I try to transact with the property in any manner, certainly the original documents are very much essential and everybody who wants to transact with I will definitely ask for original documents. The loss of such original documents due to careless and negligence on the part of ICICIHFCL/ICICIBL will not solve the future problems that will arise to me. The certified duplicate copies of documents obtained by the ICICIHFCL/ICICIBL cannot be as good as original documents.

Nobody will come forward to do any transaction with the property without original documents. Even if anybody comes forward for transacting with the property, he will take the undue advantage of non-availability of original documents (or certified duplicate copies) with me by paying lesser value for the property. So the loss of original documents is huge irreparable loss not only to me but also to his heirs or successors.

As you are aware that in Satyam Fraud case from news papers and other media. There may be every chance of misuse of original property documents by the ICICIHFCL/ICICIBL for creating fictitious entries in their books of accounts to show more advances, if ICICIHFCL/ICICIBL are allowed to obtain the certified duplicate copies the property documents without proper reason. In such circumstances, the undersigned may have to face a lot of troubles.