[Resolved]  ICICI Home Loan — HOUSING LOAN

Address:

Sonipat, Haryana

Respected Sir,

Respectfully, I wish to say that I had taken homeloan from ICICI HOMELOAN in jan 2006. Also I had submitted 36 PDC (POST DATED CHEQUES) of PUNJAB NATIONAL BANK OF RS 5812 (EMI) on demand of icici bank.. Till end of 2008 icici bank presented all the pdc and all the pdc were cashed, even single pdc was not bounced, then in last of 2008 again icici asked me to submit fresh 36 pdc, and as per demand of icici bank I submitted 36 pdc on[protected] to MR. SATISH CHOUDHARY OF ICICI BANK AT SONEPAT BRANCH OF AMOUNT 5812/ (EMI)receipt of same is lying with me mentioned all the cheques numbers on it. And problems start here only.

From[protected] to[protected] no pdc was presented although there was adequate fund in my account ( it can be checked from my bank account copy also)On[protected] two pdc were presented on same date and both were cashed.Again on[protected] two pdc were presented on same day and both were cashed. I reported this wrong practice of presentimg more than one pdc in one month to CAPT MANDEEP DAHIYA (MGR PANIPAT BRANCH) But again icici presented two pdc on same date and both were rejected and I was imposed penalty due to mistake of icici from both side.It is height of negligency when icici bank presented three pdc on[protected]. however these three pdc were also cashed from my account.This unlawful practice of icici presenting more than one pdc in same month kept going till SEPT 2009. From 17 january 2009 to 30 november 2009 (11 months) icici presented 18 pdc in 11 months. It is inspite of my more than hundred telephonic complaints not to present more than one pdc in one month. I am really sad and surprised to see the self style functioning of icici bank who claims to be highly professional bank at international level I think a RURAL BANK IS MORE PROFESSIONAL AND HELPFUL THAN THIS ICICI...........ICICIBANK IS HELPFUL ONLY TILL DISBURSMENT OF LOAN AFTER THAT ICICI STARTS TROUBLING AND COLLECTING MONEY FROM CUSTOMERS BY LEAGAL OR ILEAGAL WAYS.

Since last year I am in touch with icici bank and customer service of icici bank but no body is intrested to help me out . Also I had asked them to present balance pdc but after november 2009 they have not presented any pdc and my 16 pdc are lying balance with icici and my adequate balance is always there in my account.

AlsoI have asked icici bank to take balance dues (due to increased in amount of emi) from me without any penalty which was imposed on me due to presenting more than one pdc in one month (mistake of icici) It is mistake of icici bank to receive the pdc of 5812 Rs if amount of emi was increased, why I was not asked to issue fresh pdc of fresh emi amount and now icici is asking me to pay false overdues
as intrest on differntial amount of emi and other dues better known to bank only.

Now icici has sent me a letter 10 days back asking me to pay total outstanding due od Rs 905039.00(nine lacs) and icici has issued me a NOTICE under Section 13(2) of theSecuritisation and Reconstruction of Financial Assets and Enforcement of security intrest Act 2002.. Also bank is harassing me by claiming that my property will be MORTGAGED BY BANK as per directions of RESERVE BANK OF INDIA.
I AM NOT IN POSITION TO PAY THIS BIG AMOUNT OF 09 LACS AT ONCE AT ANY COST BUT I am ready to pay my net balance without any penalty due to mistake of icici by not presenting my balance pdc still lying with them and I am also ready to issue fresh pdc of fresh emi amount if my balance pdc are returned by icici.

Pse suggest me what should I do in such situation...... can icici bank MORTGAGE my property when I am not in mistake or without permision of court. In that condition I request honorable court to give me chance to prove my innocency by producing proof of mistakes of icici bank. A lso I have written to BOMBAY HEAD OFFICE OF ICICI BANK BUT THERE IS NO CO-ORDINATION OF BRANCH AND THERE IS NO USE OF COMPLANING AT PLATEFORM OF ICICI BANK . SOMETIME I AM TOLD TO SPEAK TO PANIPAT BRANCH AND SOME TIME I AM TOLD TO SPEAK TO KARNAL AND SOME TIME I AM TOLD TO SPEAK TO CHANIGARH I DO NOT UNDERSTAND WHERE I SHOULD APPROACH AND WHOM SHOULD I APPROACH EVERYBODY TELLS DIFFERENT STORY.

S IR I REQUEST YOU TO SOLVE MY PROBLEMS AT EARLIEST .

WITH REGARDS

MY ADD --

SURESH GEHLAUT AND SUMITRA GEHLAUT
H NO 116/29 MALVIYA NAGAR
DISTT SONEPAT

STATE HARYANA

MY MOB NO [protected]
MY E MAIL ID IS -- gehlautsk @shreecementltd.com