[Resolved]  ICICIcredit Card — BANK ASKS FOR EMI FOR THE LOAN I NEVER RECEIVED

To,

Credit Card Dept.
ICICI Bank.

Subject:-BANK ASKS FOR EMI FOR THE LOAN I NEVER RECEIVED

Sir,

In the month of february 08 i was shopping at mens avenue shopping mall in pune.

I was paying my bill through ICICI back credit card swapping machine.

( i can not display credit card no here.)

The representative of the shop responsible for cash collection offered me LOan on my ICICI credit card which was be equal to cash limit

of my credit card by swapping the credit card on another special machine which was placed by ICICI bank for instant loan transaction.

He asked me to take loan and get the instant loan facility of ICICI bank.

i liked idea and i asked him to act for same.He swiped my credit card on that special machine and gave me recepit of it which stated that

i have availed a loan amount approx. 14000 and demand draft for same.He said, i will receive on my home address within 2 days and

installment will start from next month.

i was happy to get loan by such simple way.

But i did not receiveed any loan demand draft after that.

Since the sanctioned loan amount was not so high and also while swapping he had not done any credit card transaction, i did not bother why

i had not received any demand draft.

And since i have not received any demand draft for loan amount there was no question of EMI or giving it back, so i for got total incident.

After two months i started receiving email statement, reminder mails from ICICI that i need to pay the EMI.

So i called ICICI cust care and stated that i have not received that demand draft yet and how then they have started the collection for EMI.

so the customer executive asked me not to pay the EMI and asked me that whether i wanted to get that demand draft on my home address.

Since this issue was so compolex and service was not good i denied his request and asked to just cancel those EMI and asked him to drop

email to me that i dont have to pay EMI.

He has done

I have called customer care several time s and said all things and also replied to their email stating same.

This is now 9th month of the year and ICICI have not resolved this issue even after 7 month of the this incident.



Regards,
Nilkanth Patil
[protected]@gmail.com