[Resolved]  ICICI Personal Loan — harassment and no waiver (LPCHD[protected])

I have taken a 73000 loan from ICICI bank the EMI of which is 2750 rs. The ICICI bank was not able to withdraw first EMI from my account (andhra bank account no. 19175). So they sent recovery executive to me for taking that installment. The recovery executive take two intallments from me by saying that there is a problem that ICICI bank will not be able to withdraw the second intallment also. So I gave him the two installments amounting rs 5500 the receipt no. of which is L[protected]. They deducted second installment from my bank account also and technical reason because of which they are not able withdraw first installment they put a fine of rs 225 rs in my account for the reason of check bounce which was not actually bounced. I showed them my bank statment which is showing no boucing to regional icici loan dept. at sec. 9 chandigarh. The executives there take photostat of my bank statement and ensure me that i will receive my 225 rs refund within 15 days. As the recovery agent has taken second installment from me in advance in cash which was deducted from my bank account also. So to take back the extra intallment which they have taken from me by there own mistake it took four months to get it back with deduction of 225 rs which according to them are check decline charges which was not bounced. I go to them after every 15 days they take photstat of my bank statment and tell me to come after 15 days. I keep on visiting there for around 5-6 months to get back those 225 rs. But every time they take my bank statement and ask to come after 15 days. This increased my frustration as being a bank they impose any thing on there customer and customer is the one to bear mistakes done by them. So after not getting any result i really bounced my dec. month installment after that i have started receiving calls from there call centre delhi. I told them to waive my unnecessary bouncing charges of first intallment and second bouncing which was done intentionally to have there attention. My only concern was to get a waiver of extra charges imposed on me but they told me to pay installment only. I don't have faith on ICICI bank.I am having records of every thing that how many times i have visited there sec. 9 office and called to them at there help line from telephone. instead of settling the issue by waiving my fines they have send recovery executive with police at my home.

Money is not a concern here. My only concern is that how a bank can be so irresponsible about there customers. Because there is cost of everything. I have visited there branch 6-7 times got no results only fustration.

My concerns are:

1) Why the have charged extra 730 rs in my first installment as my payment schedule is showing first installment of rs 2020 rs.

2) Why they have charged check decline chrges for check which was not declined.

3)Why there recovery executive had taken extra advance intallment from me.



Now i have actually bounced one of there installment to negotiate with them my waivers but instead of waiver they have sent police to my house. How can police be involved in recovery of icici bank.

Please help me immidiately and suggest me what to do as this is a matter of self respect now.