ICICI Bank Complaints & Reviews

THREATS BY RECOVERY AGENCY of icici bank Personal Loan

DEAR SIR
i wuold like to bring to the notice of RBI and others concerned that despite the guidelines issued by RBI, one of the RECOVERY AGENCIES OF ICICI BANK PERSONAL LOAN ,are still using threatening and illegal means of recovering the payments of credit cards.One man from GROUP RECOVERY MANAGEMENT--THEIR auth. agents for recovery have been regularly visiting my house and using all kinds of abusive, filthy and threatening langauage for recovering the outstanding dues against my PERSONAL LOAN

I have been in a financial mess for the last about one year, due to which my track of regular payment was spoiled.I, without fail .ysed to make payments with all the interest and every other charges.The bank earned a lot during the time I was earning well, but now I m not in a position to make any payments.

I requested the recovery agent that it would take me a few months to settle their account but they are not listening and are continuously threatening me with dire consequences.I told them to follow the things legally but they are not listening.They are saying they wuold get my account settled at a very lesser sum if i pay them seperately, apart from paying to the bank.

I request the concerned authorities to stop this way of collection or would be forced to drag the agency to consumer court and also take them to court for criminal charges for using illegal and threatening ways .

Person name from agency who is threatening everyday Anil Choudhary contact number [protected]Please take action against this person as he is one who is calling everyday & using abusing language.


Rama

i used an icici credit cards past four yesars card worth rs 25000. after that i made payment regularly due to my mother sickness i didin"t made the payment properly , after tat i convert my creditcard in to an Emi card after that i made it properly by the time my mother is hospitalised in that time icicibank leaned my account without any notification on the first week of april. after that i contact the customer care and i asked the explanation they told to meet the madurai collection department after that i met madurai manager he asked medical history of my mother and he forwarded to head office and the headoffice accept for settlement and he informed me that head office approved for settlement of principle amount only they cancelled the interest and i also agreed for pay the principle amount but the bank people they didn"t inform me the debit the amount fully how much they leaned after that i asked the bank people regarding thios they wont answer properly now three months finished still i wont get back my mony which they debit excessly without my knowledge.please help me to get the amount back i will produce the details for your refference


EMI CARD NUMBER : [protected]

AC/NO : [protected]

PRINCIPLE AMOUNT : RS 20,000

INTEREST : RS 9,935

DATE OF LEANED : 1ST WEEK OF APRIL 2011

DATE OF DEBIT : 19.04.2011

AMOUNT I AGREED TO PAY : RS 20000

BUT AMOUNT DEBIT : RS 29,935.


NAME : SURESH KUMAR

BANK : ICICI BANK

CONTACT NUMBER : [protected],[protected]

PLEASE HELP ME TO GET THAT 9935 RUPEES BACK

Sir.
I Rajendra kaul opened my daughters saving account in November2010 ( A/C No.[protected] to help my daughter to get money timely since she was studying in Jodhpur. Her saving account was blocked on 28 Feb 2011 since she got 18 years without any prior intimation effecting my daughters day to day transctions and i count not send her monthly requirements so we were forced to open another saving account for my daughter in another bank to meet her requirements at Jodhpur where she is doing Mtech.We went to ICICI mansarovar branch office where we came to know that the account has changed from minor to major and needs ten thousand security amount to get the same account in operation once again. we requested the officials to close the account since we can not afford to keep, ten thousand as security amount. we had been advised to submit an application which we did for closing the account and assureed that the amount lying in the account no.[protected] will be paid to you through bank draft. After a gap of four months we have not received our money and during these four months we had been to branch office of mansarovar frequently and bank officials are assuring us that the amount will be returned back very soon.
Now we request your good self how to get the account closed at this ICICI branch so that we receive our money back.

I need help. ICICI ruined my life two years back and they are still trying to harass me more. I am just copying the exact details of what my story is.

I am also attaching the content of the mail i received from RBI when I filed a complaint againt ICICI. I have written number of emails in December 2009 and they never gave me a straight forward reply now they are saying they got order from court to recover my car. I am not going to give it to them. I need help or I will commit suicide."

"OFFICE OF THE BANKING OMBUDSMAN

(Tamilnadu and Union Territories of Pondicherry

and Andaman & Nicobar Islands)

Reserve Bank of India Building (II Floor)

Fort Glacis, Post Box No.40

16, Rajaji Salai, Chennai – 600 001

Phone : 25395487 Fax :[protected]



BO (Che)/ 11354 /C-9763 /2008-09 April 15, 2009



Shri Deepak Manna



E-mail: [protected]@gmail.com<mailto:[protected]@gmail.com>



Dear Sir,



C-9763 against ICICI Bank.



Please refer to your complaint against ICICI Bank. In this connection we draw your attention to bank's letter dated March 24, 2009 and we advise you that the bank had offered you a onetime full and final settlement pay by March 30, 2009. This is a settlement issue which is not under the purview of the Banking Ombudsman Scheme 2006. However as the bank has offered you a settlement we treat the complaint as settled and closed at our end. .



Yours faithfully

Sd/-

(K R Shankar Iyer)

Assistant Manager



________________________________
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"Greetings,



I had two personal loads and car loan from ICICI. I suggest you to read my complaints copied below. I need your legal advice. The Bank blocked my salary account three times. First time they blocked I paid 66k in May 08 then they blocked again in June and I paid 15k. I told them that I need sometime I will pay of the remaining amount and they blocked my account third time in Dec 08. This time I was forced to leave the job only because of ICICI and my salary account is still in block state only. I filed a complaint with RBI and in May 09. I received a reply from RBI with a copy of ICICI settlement letter which was never sent to me. Moreover If ICICI settled this case without my notice why the still have a lien on my salary account which is no longer used.



So In December 08 I was forced to quit my job because I salary was only 26K and I paid so much amount to them in past six months I took credit from others to pay this thought I will get everything on track in few months. Dec 08 was a worst period I went through mental torture by ICICI I wrote them number of mails through my ICICI account and they never responded or took action. I was also having a auto car loan and was not able to pay the amount from Dec 08 because I left my job as ICICI forced me to do so. Then after couple of months I got a job where the salary was very low and I didn’t paid a single money towards my car loan but for all these things ICICI is responsible.



The mental torture the bank and their managers have given me over the period of time now I don’t want to pay the car loan at all I want to file a complaint against the bank and get some compensation for the mental harassment trauma I went through in the past year and half. Please go through my case and suggest me how much compensation I should demand legally and what will be the procedure for all these things. I am not staying in Delhi, I took the loan from Delhi and need to know is it possible to file a case and teach them a lesson so that they will think twice before blocking any salary account in near future.



I even posted all these in different websites. My copies I sent to RBI. Please go through this case and suggest me the best step I went to mental trauma because of this bank for year and half and now I need compensation for all these harassments. And I want to make sure I will never pay the remaining auto loan to ICICI.



Greetings,



This mail is in regads to the conversation we had over the phone on

11th December'08. As you asked for a detailed mail with account

number and other things, I herby providing the same in this email.



I was haing a couple of personal loan account with ICICI previously. I

was undergoing some financial crisis and I was not able topay EMI as

the EMIs subjected to the saving account was not maintained by me

because of this financial crisis. I thought Iwill pay the entire money

and close the loan accounts once the financial condition get better.



I joined a job in Sutherland on April'08 and knew it very well that if

you have a loan account the bank will block my salary account. I was

positive to pay so I provided my correct information while opening the

account and the bank somehow traced my account they in the month of

may they blocked my salary account and was asked to pay the entire due

to get the lien removed. In May'08 the bank took 18650 rupees from my

salary account which was part of my salary for April'08 (21st May'08)

(I was only left with 2500 rupees of my salary to survive for the

entire month. Then they blocked some amount on my account which I

borrowed from someone and paid on 28th of May 18350 rupees. (Receipt

of cash payment on 28th May'08 - L[protected])



Detail of bank statement copied below;



2 21/05/2008 21/05/2008 LPDEL[protected]/LI OCT07-687 1,129.00

17,634.00

3 21/05/2008 21/05/2008 LPDEL[protected]/LI SEP07-428 2,939.00

14,695.00

4 21/05/2008 21/05/2008 LPDEL[protected]/LI MAY07-429 2,939.00

11,756.00

5 21/05/2008 21/05/2008 LPDEL[protected]/LI JUN07-430 2,939.00 8,817.00

6 21/05/2008 21/05/2008 LPDEL[protected]/LI JUL07-431 2,939.00 5,878.00

7 21/05/2008 21/05/2008 LPDEL[protected]/LI AUG07-432 2,939.00 2,939.00

8 21/05/2008 21/05/2008 LPDEL[protected]/LI APR07-433 2,939.00 0.00





I knew I have some dues towards my car loan (Loan

A/C:LADEL[protected]) and I volunterily paid 29350 rupees cash on

28th May'08 (recepit no L[protected]). I have also given in written

that I will pay the remaining debts in couple of months. Finally my

salary account (A/C:[protected] was released but salary for that

month was not credited to my account so I requested for advance salary

and I received 18900 rupees as advance salary on 9th June'08. I

thought I will pay 6000 rupees towards my car loan account and that

the reason I kept that amount till the end of the month. But due to my

shift timings I was not able to visit the branch to make payments. I

once called ICICI customer care and tried to request to send someone

to my place to collect the money (Can be checked with bank call

records) but they told me that thsi will take five or more business

days.



In total I had paid around (18600+18350+[protected] rupees in the

month of May'08. My intensions are not to be a defaulter I am willing

to pay all my debts but the bank need to understand that I am a human

and I have my own expenses. If the bank blocks my salary or snatches

the salary ( i.e.my bread and butter) how will I survive in this new

place where I don't have relatives or friends. When I will not survive

i will either die or leave the job then how will the bank get the

remaining money from me.



Then in the month of July the bank blocked my account for 30K and I

had a discussion with Manish Singh (Manager incharge of my account)

and he told me that you have to pay the entire money but later he

agreed to part payment and then I paid 15K and promised to pay the

remaining afterwards. The transaction fo the 15K payment is copied

below;



1 08/07/2008 08/07/2008 LIDEL[protected] -/LI647 150.00 29,826.00

2 08/07/2008 08/07/2008 LIDEL[protected] -/LIFEB08253 2,770.00

27,056.00

3 08/07/2008 08/07/2008 LIDEL[protected] -/LIMAR08254 2,770.00

24,286.00

4 08/07/2008 08/07/2008 LIDEL[protected] -/LIAPR08255 2,770.00

21,516.00

5 08/07/2008 08/07/2008 LIDEL[protected] -/LIMAY08256 2,770.00

18,746.00

6 08/07/2008 08/07/2008 LIDEL[protected] -/LIJUN08257 2,770.00

15,976.00

7 08/07/2008 08/07/2008 LIDEL[protected] -/LI463 250.00 15,726.00

8 08/07/2008 08/07/2008 LIDEL[protected] -/LI464 250.00 15,476.00

9 08/07/2008 08/07/2008 LIDEL[protected] -/LI465 250.00 15,226.00

10 08/07/2008 08/07/2008 LIDEL[protected] -/LI466 250.00 14,976.00





I told Mr. Manish Singh clearly that I have moved from Delhi and I

have all my luggage lying there and I am paying rent without staying

there so I need sometime and I will pay it later. Then I tookall my

luggage +my car from Delhi and it cost me 12K car+20K luggage = 32K. I

was still paying the autoloan emis regularly because I know if I don't

pay this the sum will be more and will be hard for me to pay. In the

month of October 08 I went to Mount Road branch in Chennai to pay part

of my dues for the laon account (LIDEL[protected]) but they told me

the account number is not valid and I came back checked the loan

account number and went again and then they informed the account is

available there must be some problem with the account number. I then

wrote an email to ICICI through internet banking stating the problem.

They asked me to go to ambatturr branch and pay the money. In the

month of november I went to ambattur branch and they said they will

accept the entire amt. due and not take part payment. I then came back

and thought to pay the money later on when I have some money as I have

some NSC maturing in March Last.



In December they again blocked my account and they put a debit of 30K

again. I got in touch with Manish and said him what all happened he

was not listening and said talk toJitendra ([protected]) ICICI

employe. I called him but he is not at all wiling to listen to me and

my problem. I told him that in November I went to Ambattur and this is

what happened and then I had 10K in my hand and I invested that and

took a house rent for myself. All this time from April I was staying

in Manision and friends house. How long one will stay in other's house

so I thought I will pay the bank in March and took a house. I have the

lease agreement done on Dec 03.



Right now I don't have money at all and I have to do Savings for TDS,

pay LIC premium or for next three months I will not have salary at

all. I was begging Mr. Manish and Jitendra to get the lien removed for

three months. I told him that I am ready to hand over my LIC original

documents also so that you can have faith that I will not run away and

I will work in Sutherland as I have invested 70K to bring my house and

get the luggage and car from Delhi. But he is not willing to listen.



Sir, My father has retired long back and I have to take care of my

family and I have to take care of my lodging and fooding I am staying

alone in Chennai. I have commiitments for TDS (very important for my

next couple of month's salary. If ICICI take my salary or even part

of my salary I will die.



I am begging you please don't snatch my life from me. I will pay in

March If think I will run away please let me know I will submit my LIC

documents policy worth 3.5L.



Please get the lien removed. I am not lying it will be a matter of

life and death for me. for the entire year I have paid 96+15K = 111K

+car installments 20K = 131K, I have invested 70K in house and getting

my luggage. 200K in total I don't want to get into worst condition so

that I have to commit suicide.



Please help me with great hope. (Please forgive the spelling and

grammatical errors)



Deepak Manna

[protected]"



Copy of mail I wrote to ICICI on July01. 2008.



On Tue, Jul 1, 2008 at 3:00 PM, Deepak Manna <[protected]@gmail.com> wrote:



Greetings,



This is to bring to your notice that I have been harrassed a lot by

ICICI bank loan division in the past few months. I am a loan consumer

of ICICI Bank I have taken four loans from ICICI in the past. One two

wheeler loan (Detail not available with me right now) all amount

cleared towards this loan account. Then I took a personal loan of

78000 rupees (Loan A/C: LPDEL[protected]) and one Auto loan (Loan

A/C:LADEL[protected]) one more personal loan in March'08 (Loan

A/C:LIDEL[protected]).



I was going trough some tough financial conditions for past one year

and was not able to pay installments on time for the personal loans. I

however managed to pay the installments for the car loan till

December'07 (with some skips). Then I got a good job in Chennai and

finally I decided to pay the debts asap. Before I take any action from

my side the Bank detected my salary account (A/C:[protected] and

they block my salary account in the May and took 18650 rupees from my

salary account which was part of my salary for April'08 (21st May'08)

(I was only left with 2500 rupees of my salary to survive for the

entire month. Then they blocked some amount on my account which I

borrowed from someone and paid on 28th of May 18350 rupees. (Receipt

of cash payment on 28th May'08 - L[protected])



Detail of bank statement copied below;



2 21/05/2008 21/05/2008 LPDEL[protected]/LI OCT07-687 1,129.00

17,634.00

3 21/05/2008 21/05/2008 LPDEL[protected]/LI SEP07-428 2,939.00

14,695.00

4 21/05/2008 21/05/2008 LPDEL[protected]/LI MAY07-429 2,939.00

11,756.00

5 21/05/2008 21/05/2008 LPDEL[protected]/LI JUN07-430 2,939.00 8,817.00

6 21/05/2008 21/05/2008 LPDEL[protected]/LI JUL07-431 2,939.00 5,878.00

7 21/05/2008 21/05/2008 LPDEL[protected]/LI AUG07-432 2,939.00 2,939.00

8 21/05/2008 21/05/2008 LPDEL[protected]/LI APR07-433 2,939.00 0.00

I knew I have some dues towards my car loan (Loan

A/C:LADEL[protected]) and I paid 29350 rupees cash on 28th May'08

(recepit no L[protected]). I have also given in written that I will

pay the remaining debts in couple of months. Finally my salary account

(A/C:[protected] was released but salary for that month was not

credited to my account so I requested for advance salary and I

received 18900 rupees as advance salary on 9th June'08. I thought I

will pay 6000 rupees towards my car loan account and that the reason I

kept that amount till the end of the month. But due to my shift

timings I was not able to visit the branch to make payments. I once

called ICICI customer care and tried to request to send someone to my

place to collect the money (Can be checked with bank call records) but

they told me that thsi will take five or more business days.



In total I had paid around (18600+18350+[protected] rupees in the

month of May'08. My intensions are not to be a defaulter I am willing

to pay all my debts but the bank need to understand that I am a human

and I have my own expenses. If the bank blocks my salary or snatches

the salary (i.e.my bread and butter) how will I survive in this new

place where I don't have relatives or friends. When I will not survive

i will either die or leave the job then how will the bank get the

remaining money from me.



They did the same again they put a block of 30000 rupees on my acount

by the end of June and they snatched all my salary, I am again left

with 7600 rupees to survive for the entire month. I came to know that

Mr. Manish Jain (mobile: [protected]) has leaned my account for 30000

rupees for another Loan A/C:LIDEL[protected]. I tried to call him and

say that I will pay the money in two installments because I need money

to pay towards my car loan and other expenses. But he was not at all

listening to me. He said he will talk to me after sometime but never

picked my phone. I called him not less than 20 times all the time he

disconnected my call.



Please think that the bank took 96300 rupees from me in two months my

salary is 26000 rupees, I was running through tough time for one year

will I have money to eat, live work and pay the bank debt. I am not at

all in a condition to pay a single penny towards my car loan account

(Loan A/C:LADEL[protected]) under the current situation the bank has

left me with.



I am mentally harrassed like anything by the bank. If I was to be a

defaulter I wouldn't have paid any thing after the bank auto debited

my salary. I would have left this job and joined someother company. I

never did this I voluntarily paid money towards the car loan where the

bank didn't block any thing on my salary account towards my car loan.

Still the bank is not at all cooperating with me.



The only option left with me is to leave this job and go to my home

town. I want to file a case against all these harrassement of

snatching my bread and butter when I was willing to pay all my debts.

I will file a case for all these what the bank have given me when I

wanted to be loyal and if at any point of time I commit suicide the

bank and Manish Jain (mobile: [protected]) will be responsible and they

will be responsible for my family, my father has retired five years

back and he don't have any source of Income. I am the only earning

member of my family at this point of time.



I want you all to guide me what to do when I have paid so much still

the bank is not cooperating with my problem.



Yesterday, I called customer care of ICICI to file a complaint against

Manish Jain (mobile: [protected]) for not listening to me and behaving

in rude manner. I spoke to Mega More representative and she lodged a

complaint gave me a reference number SR71369679. Manish Jain along

with ICICI bank snatched all my happines and left me with tensions,

harrassment and tears. I am depressed don't have a way other than

suicide. In case I have to die I will make sure his happiness are

snatched from his life. He will be responsible with the bank for my

death.



Please help me I need help I am dying !!



Regards

Deepak Manna”

""COMMUNICATION WITH ICICI" Dear Customer,

We refer to your e-mail of December 22, 2009 addressed to ICICI Bank regarding your Car Loan Account LADEL[protected].

We are looking into your complaint and will revert to you on or before by February 4, 2010.

Sincerely,

Chaitanya Joshi
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER

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Head Service Quality to me

show details 2/4/10

Dear Customer,

We refer to your e-mail of December 22, 2009 addressed to ICICI Bank regarding your Car Loan Account LADEL[protected].

We request you to make the payment of outstanding dues against the Loan Account LIDEL[protected] to enable us to assist you for the removal of lien from the savings account.

Sincerely,

Chaitanya Joshi
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER

This e-mail message may contain confidential, proprietary or legally privileged information. The e-mail should not be accessed by anyone who is not the original intended recipient. If you have received this message erroneously, please delete it immediately and notify the sender. E-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, alteration, destruction, etc. Before opening any attachments, please check them for viruses and defects. The notice appended to our e-mails is not intended to prejudice the interests of our customers in any manner or to evade our responsibility for any act of omission or commission done with the endorsement of ICICI Bank Limited.

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Deepak Manna to Head

show details 2/5/10

Hi Chaitanya,

Please refer to the attached documents ICICI provided to RBI which were never sent to me and make me understand what these letters says.

Regards
Deepak Manna

respected Sir
It is to inform you that you have stated that auto debit facility is active on your account i.e.[protected] but on today Rs.321.47 not withdrawan by you. so i am not responsible for that and not liabale for interest charges.
I have drpoed the cheque of same amount but it will be withdrawn on 22-06-11
so you are requested to accept the cheque and do not charge interest.
thankingyou.
Qamber Hasan
credit card no [protected] Icici credit card
icici s/b account no[protected]
mobile no [protected]

Dear Sir,

I need to bring to your attention my experience as an ICICI Bank customer.

My name is Nishant Narendra and I was using an ICICI Credit Card # [protected] which is about 5-6 years old and due to some problems with the bank I had stopped paying the credit card dues after[protected].
After about 1 year I got a call from the ICICI Credit Card legal team stating that they would like to do a full and final settlement on my card and if I am ready to pay the settlement amount, all my dues would be clear and I would receive an NOC from ICICI on my credit card and my name would be removed from the default list in CIBIL as well. However due to some medical emergency I was unable to furnish that settlement that month.
Now few days ago some ICICI recovery agent named Sandeep has started calling at my office no. from no.[protected]. This guy used abusive language and started threatening me that he has my home and office address and he is going to come and beat me and my family up to ensure that I pay the amount or he will create a nuisance in my office and ensure I get kicked out of my office.
The very same day he had called my office HR Department and started threatening them that if he(me) didn't pay the amount they will keep calling them everyday to get the money out.
He is even using the same language with the receptionist and my office staff. I already have asked him to call on my personal no., however he is adamant to talk on my official no.
Now he has been calling everyday and threatening my office staff of dire consequences.
I am not sure what do to at this stage as I fear the way Sandeep has been calling and threatening me and calling my office, he will either cause harm to my family or my job.

These are not the only statements that the bank executive used, but were also accompanied by an offensive and abusive behavior and language, which is legally and ethically against the Human Rights and Indian Penal Code.

I would request you to kindly advise if I should file an FIR against ICICI bank and Mr. Sandeep. I am not sure at this point how to get rid of this guy who has been harassing me and has been calling the senior level people in my company which could easily cost me my job.
I would also like to know how I can settle my dues and obtain the NOC from ICICI bank to get my name removed from CIBIL.

PLEASE NOTE THAT ALL THE EVENTS STATED ABOVE HAPPENED BETWEEN THE TIME PERIOD OF MAY 2011- JUNE 2011.
We hope that you take note of this experience and help us.

Appreciate all help & support.

Thanks!
Nishant Narendra
+91-[protected]

Dear Sandhya/Anshoo,

As you and your senior team members are mentioning many time that I had default on many occasions as my deduction is through EMI for which I have to keep the minimum balance. When I go through my loan statement I found that almost 2 years my all EMI are paid in time as earlier this account were my salary account so I don’t need to deposit the money by standing in queue at your bank.

As I have already informed that I didn’t received any sort of communication from your end nor via courier nor through, you can very well check from your record if you have. And as per your trailing mail if you want to know teach me the bank process then one thing I informed that we are professional and we not have so much time to read all your polices and guidelines which in your booklet so called” Granth”. At that time your sales executive or even your office staff tick the boxes where in the customer need to signature, now by this matter that all these guidelines are in the favour of ICICI only.

I just want to state that when my first EMI got bounced due to some personal/official reason than I understand that I will this EMI within next month and my EMI tenure would be increase, then I am not aware that still you are charging the bouncing and OD charges which gives you permit to called me defaulter.
FYI even your executive does not bother to give me my loan account number and when I mailed to customer care then I come to know to such charges and you are mentioning that you have checked your loan account and I have default in many question, can I ask you one thing when you come to that the person is a defaulter then why not you and your team contact me. I tell you the reason because I am your those kind of customer which you are looking for because they will EMI along with bounce and OD charges.

Lastly you have written that as a special case you can waive off me the only May’11 OD and bounce charges and please treat this is as your final communication. Mam I just want to say that you keep your special waiver which is more or equal to Rs 400. It is a just a thin percentage of interest which I had already paid to you so please don’t oblige me by considering it. I am giving you many option to settle the account but if you want to stretch it then its very much ok for me.

Anyways this is my last mail to you because I am very much fad up with your team members replies, everyone is pointing customer mistake but none of you don’t look yourself because If you looked then such type of issue will not arise.

Also If am a defaulter sort of customer then default very early not after paying 42-43 EMIs. Also If paid 6983 which I will not then again you charges OD and bounce charges because this month also your EMI date is over with your mail –mail talk.

Now after having so much fad up I am going to your ICICI branch and request to close the account so that EMI deduction part is over and now I want your team comes to full and final negotiation.

Regards

Amit Pandey
[protected]



From: Amit Pandey
Sent: Friday, June 17, 2011 4:15 PM
To: 'Sandhya Amin'
Subject: RE: RE:'ICICICARE=[protected]' FW: Deductin against Loan

Dear Mam,

I am ready to pay the outstanding amount of Rs.6213, but what are these outstanding charges of amount Rs. 770 which you incurred. It it is ok with you then I will pay Rs. 6213 by tomorrow itself. This outstanding is a very small amount. Which you can easily waive off. So please request you to consent the same so that I can my EMI by tomorrow.

Regards,

Amit Pandey


From: Sandhya Amin [mailto:senior.[protected]@ICICIBANK.COM]
Sent: Friday, June 17, 2011 9:17 AM
To: Amit Pandey
Subject: RE:'ICICICARE=[protected]' FW: Deductin against Loan




Dear Mr. Pandey,

As a special case, we can consider waiver of the bounce charges and overdue charges for the last EMI, i.e. for the month of May 2011. However we request you to clear the outstanding amount of Rs. 6983 ( June EMI of Rs. 6213 + outstanding of Rs. 770) to enable us initiate the reversal.

We regret that we will not be able consider any further reversals. Please treat this as our final communication in this regard.

Sincerely,

Sandhya Amin
Team Manager
Senior Management Desk


-----Original Message-----
From: Amit Pandey (Amit.[protected]@STEL.IN)
Date: Thursday, June 16, 2011 05:22 PM
To: Amit Pandey (Amit.[protected]@STEL.IN); Sandhya Amin (senior.[protected]@icicibank.com)
Subject: RE: RE: FW: ICICI Bank Ltd

Dear Sandhya,

Still waiting for your revert, request you to please how much Money I have to pay to settle my EMI After considering waiver


Regards,

Amit Pandey



From: Amit Pandey
Sent: Wednesday, June 15, 2011 5:03 PM
To: 'Sandhya Amin'
Subject: RE: RE:'ICICICARE=[protected]' FW: ICICI Bank Ltd

Dear Sandhya,

As I already intimate that I am not aware of the OD and bounce charges because of communication issue. If I am aware then such type of issue will not happened.

I again request you to waive off the amount so that I can pay my EMIs with in time, otherwise I’ll not be able to any EMIs dues. If you waived off such amount then I’ll assure that I’ll pay all the balance EMIS with in time.

I want to settle the issue not to stretch the issue so if you want to settle things mutually then waive off such charges then update me the balance amount of EMIs mentioning month so that I can pay asap, it’s not a very heavy amount which you can’t waive off.

Otherwise you add OD and bounce charges every month but I’ll not pay any EMIs and you are ready to take legal action if you want.

Regards

Amit Pandey

From: Sandhya Amin [mailto:senior.[protected]@icicibank.com]
Sent: Wednesday, June 15, 2011 3:54 PM
To: Amit Pandey
Subject: RE:'ICICICARE=[protected]' FW: ICICI Bank Ltd



Dear Mr. Pandey,

We have examined your Loan account and found that you have defaulted on the EMI payments on multiple occasions. Since you have opted for the repayment mode through Autodebit, you were required to maintain sufficient funds in your Savings Bank Account to ensure that the EMI payments are regularly debited from your account.

In view of the above, we regret our inability to waive the overdue and bounce charges.

Sincerely,

Sandhya Amin
Team Manager
Senior Management Desk






From: Amit Pandey
Sent: Friday, June 10, 2011 6:37 PM
To: 'Anshoo srivastava'
Subject: RE: RE:'ICICICARE=[protected]' FW: Deductin against Loan

Dear Mr. Anhsoo,

I have intimated your ICICI bank patna that I have changed my address and there is no branch at Patna who is dealing with you loan department. I had also intimated about my number change to local bank branch that my number has been changed from Mar’11 but before that I had not received any SMS from your end , you can very well check the failure report of SMS if you have and I am also assure that courier delivered by you is also returned.

Now I don’t want to conclude this issue any more, I am ready to pay EMI but I want waiver of all bounce and OD charges which you charged to me. If you are ready to waive off all the bounce and OD charges than update me the balance amount by clearly stating the month which I have to pay than I have no issue otherwise it’s become difficult for me to pay the balance EMIs

Regards

Amit Pandey
[protected]


From: Anshoo srivastava [mailto:senior.[protected]@ICICIBANK.COM]
Sent: Friday, June 10, 2011 6:14 PM
To: Amit Pandey
Subject: RE:'ICICICARE=[protected]' FW: Deductin against Loan

Dear Mr. Pandey,

We refer to your appended e-mail of June 3,2011 addressed to Mr. K V Kamath.

We would like to confirm you that as per the loan agreement signed by the borrower, he is supposed to maintain adequate balance in his account to ensure the clearance of EMI. In case the loan EMI (Equated Monthly Installment) for the any month is returned due to the reason 'Insufficient funds'. EMI bounce charges Rs. 200.00 + service tax (10.30%) as well as overdue charges @ 24% p.a. or 2% p.m.

In your case, we have observed that on several occasions the EMI had returned due to the reason 'Insufficient funds' and accordingly charges have accrued on your Loan accounts.

As per the banks process, in case of any outstanding reflecting in the customer Loan account, bank is authorized to debit the customer account for the outstanding amount. A debit intimation letter dated May 31,2011 was send to your communication address through normal post. Please find enclosed statement of account for your reference.

Apart for the regular EMI Banking date, Bank had represented the Auto Debit to recover the overdue outstanding amount on May 31,2011. Since Rs. 13000 was available in your Savings Bank Account, it was recovered and adjusted against the outstanding payment on your Loan account. We would also like to state that an SMS is sent to customers initimating about the outstanding payments. In your case it was sent to you in January 2010 , November 2010, January 2011, February 2011, March 2011 and May 2011 .

We hope the above details clarify the query to your satisfaction.

We thank you for writing to us.

Sincerely,

Anshoo Srivastava
Manager - Senior Management Desk


-----Original Message-----
From: Amit Pandey (Amit.[protected]@STEL.IN)
Date: Thursday, June 09, 2011 02:42 PM
To: Anshoo srivastava (senior.[protected]@icicibank.com)
Subject: RE: RE: FW: Deductin against Loan

Dear Mr. Anshoo,

Thanks for responding but I appreciate if you can manage to resolve before EMI date.

Regards

Amit Pandey
[protected]

From: Anshoo srivastava [mailto:senior.[protected]@icicibank.com]
Sent: Tuesday, June 07, 2011 12:14 PM
To: Amit Pandey
Subject: RE:'ICICICARE=[protected]' FW: Deductin against Loan

Dear Mr. Pandey,

We refer to your appended e-mail of June 3,2011 addressed to Mr. K V Kamath which has been forwarded to the undersigned for due analysis and redressal.

We sincerely apologize for the delay in our acknowledgement. We are looking into your query and we will update you with the status on or before June 13,2011.

Looking forward for your co-operation.

Sincerely,

Anshoo Srivastava
Manager- Senior Management Desk




________________________________________
From: Amit Pandey [mailto:Amit.[protected]@STEL.IN]
Sent: Friday, June 03, 2011 3:42 PM
To: customer.[protected]@icicibank.com; CCMAILREPLY /ITG/IBANK/BKC
Cc: Kamath K. V. /CORPORATE/IBANK/BKC
Subject: FW: Deductin against Loan
Still it shows your poor services that even after a day passed I didn’t receive the complaint number or any sort of acknowledgment from your end.

Regards

Amit Pandey

From: Amit Pandey
Sent: Thursday, June 02, 2011 7:06 PM
To: '[protected]@icicibank.com'; 'customer.[protected]@icicibank.com'
Subject: Deductin against Loan

Hi,

I am a loan holder of ICICI bank and my loan number is LAGOR[protected] in the name of Amit Pandey. In this regards I never get any update from your end regarding EMI deduction and other sort of charges which you incurred.

On 31st May’11 I have deposited Rs 15000 in my account and withdrawal Rs. 2000 on the same day and at that time my account balance was Rs. 13000. When today I checked my account then I found that there is zero balance in my account. On the same time I called to your customer care and they informed me that that due to some ECS were not debited into my account that’s why they have deducted Rs. 13000.

Now I want to ask that how much time I got information from your end regarding ECS bounced. Also I come to know that there are lot of OD and bounced charges which were also deducted by to this.

I have transferred this amount of Rs. 15000 for some urgent purpose and will deposit your EMI on between 05-06 of this month but due to deduction of Rs. 13000 before EMI date I had incurred a big loss.

This clearly shows that you are not trusting your subscriber who are paying you since last 42-43 months. Due to such type of response I would like to clear one thing that from now onwards I will not pay you a single amount of money if you have not again credited the amount deducted into my account and I want waiver of all bounced and OD charges which I was not aware off.

If you can’t do so then you are free to proceed to do anything.

Regards

Amit Pandey
[protected]

I HAD INVESTED IN ICICI HFC -FIXED DEPOISITS WHICH IS DUE FOR MATURIY ON 1ST JUNE 2011.
THE BANK HAD BEEN DODGING WITH ME FOR MATURIY CREDIT/PAYMENT.

FD NO: 333H0079413A309( Folio 333HF 0094433) Rs. 100000/- due on 1st June 2011.

Advance submission for maturity claim through theri chennai adyar office.

No intimation till date.

BHUVANESWARI RAJARAM

Sir,
I have my cibil report dtd.09.05.2011 in which i have noticed that my name is wrongly mentioned in cibil. as i have all NOCs from various banks/credit cards (HDFC Home loan, RBS Credit card, ICICI Bank credit card, HSBC personal loan, City Bank personal loan).
i hereby submit scanned copy of NOCs of above mentioned banks and credit cards for your ready ready reference.
i request you to write off my name from my cibil report so that i can able to get new home loan as early as possible.
thanking you,
yours sincerely.
Manoj Kumar Srivastava,
control No.[protected]

Hi,

I am not receiving my credit card statement from ICICI Bank ltd. However, I receive messages from Manikanta courier that they have delivered the statement. I gave complaint at Phone Banking about the same and asked for POD. Its shocking that in POD there is no relationship mentioned nor the signature doesnt match with mine nor my parents who live with me. ICICI Bank Ltd is not delivering credit card statements and moreover this is a fraud by ICICI Bank and the Manikanta courier.

Regards,
Disappaointed customer

Please block my debit card
Name -AMit Kumar
a/c[protected].
City where i lose my card. - Meerut

bondholder's no: 5373-143
certificate no: 24923
distinctive no;[protected]

Payment in respect of this bond , which was issued on 28.04.1999 and matured on 28.08.2004 is yet to be received by me.
Please advice the position and remit the proceeds on my following address:
594ka/379,
neelmatha bazar,
cantt road,
lucknow-226002
u.p
my EMAIL ID is : [protected]@gmail.com
CONTACT NO: [protected]

Sir HS39844632 ( POLICY NO WHICH IS ALLOTED ON PAYMENT )
Agent came at my house TILHAR.I give a cheque for Rs25000-To purchase HEALTH CARE POLICYON 22 FEBRUARY2011.Before one month we know that policy not issued.NO REASON MENTION.&CHEQUE Rs 25000- return on dated 9/5/2011 which collect by me personaly from shahjhanpur office after 39 days.Courier of ICICI is not responsible for any delay/any important paper.
ICICI hold my amount since four months.in between i contact many times in office to office head SHAHJHANPUR/BAREILLY.but no results Everybody say i am not responsible.
WE WANT TO KNOW IS THIS PRACTISE IS TRUE.NO ANY CONTACT DONE BY CHEQUE RECEIVING AGENT/DEVLOPMENT OFFICER IN MEAN TIME.MY MONEY HAD GONE SO I AM GOING OFFICE TO OFFICE.
SARVESH KUMAR AGARWAL 92-DATAGANJ TILHAR M-[protected]

I had applied for home loan property (Enkay Garden) in panvel New Mumbai
Thru infinity banking I received mail I am eligible for home loan.
I requested the builder to provide all legal documents, from the builder and I received 50 pages of legal documents from builder and it’s in my residence.
Without scrutinizing my legal documents icici bank representative ignoring my loan eligibility.
My NRE account with icici bank for 12 years and still I am not able to apply loan.
ICICI representatives.
Mr.Amit Barla
Mr.Shamit Shivalkar.(Vashi New Mumbai)
I am in Muscat how can I meet this representatives in India my family members are not much aware of the loan procedures, I require your opinion on property why my loan is delaying.
Srikumar

Dear sir,

Some time ago i written a complaints for not recovery my Provident Fund, but no Action taken on that point, there fore i required to written this complaints again for not proper action taken by ICICI Bank.

I required some money for my personel use, so i want to withdraw my PF amount.

Please help to withdraw my PF amount. My Contact No. is [protected]

Thanks & Regards
Ashish Moondra

Hi,

I have been waiting for the EPS settlement for the past 14 months now....

I worked for ICICI Bank from Feb 2005 to April 2010. During my relieving process I had submitted all the required documets. My last working day was in April 2010.


Name: Mohd Kaleem Uddin
Emp ID: 125615
Company: ICICI Bank Ltd
Acknowledgement date: 11/04/2011.

Application No: 125615 - Mohd Kaleem Uddin/MH/18796/4600


After a long wait, finally ICICI Bank has submitted my EPS form on April 11, 2011 at " Employees' Provident Fund Organisation Bhavishya Nidhi Bhavan,341, Bandra (East), Mumbai - 400 051". I have been asked to contact above mentioned office for further queries. Since last 2 months I have been writing to them with no response.

E-mail ID's :<[protected]@nic.in> ,<ro.[protected]@epfindia.gov.in>

I request authorities concerned to look into this do the needful at the earliest.

Thanks & Regards,
Kaleem
[protected]
[protected]@rediffmail.com

i had taken personal loan from icici bank limited. in 2006. i had been paying emi on day and due to some problems i failed pay one due for two months. due to which banks people came to house and created lot of problems in 2006. after that i stopped paying the emi due to problems which they have created. after which they have sent any reminders or any payment request to me for many years. later in 2009 icici bank people came to my house stating that they have logged a complaint in police station and i will get arrested if not paying the loan. even i waited for them to take action as there no problems from my end as i asked them to show the documents or statement of the loan. they came back after 3 day with a wrong statement which had no details about the loan or any place mentioned icici bank ltd. and later again there was no response from there end. and now 14th june 2011 they came to house saying that i had called them for settlement and told to collect the payment. for which i not told them and they are telling a lie and also they called me foreseeing to commit to do payment as they are recording the call and they are saying that if i dont pay i will have to face many problems. please help

I have purchase two wheeler hero honda passion in year of 2007. Bank name icici bank ltd. I have already paid of diffrance amount and I have collet noc latter of icici bank ltd so its kindlly requst pls remove my name in cibil report.

Dear sir,
I am credit card holder No.[protected] received massage for paying Rs. 2296 as a charge for CPP and ICICI lombard health Premium. Actually I am paying my regular premium Rs.804 as a health premium but without informing me the bank send me an SMS for paying Rs. 2296. I have to pay Rs.804 but bank has told me to pay minimum amount Rs.870 Pl, take an early action as I don't want to continue my CPP plan, and send me an SMS for paying valid amount for my Health plan only. I have tried to talk to customer care but in vain no contact could be made with them due to unwanted deployed system.

T/Y
Regards
Vijay Madankar
Navsari , Gujrat
Mo,[protected]

A set of documents including original sale deed was in the custody of ICICI bank limited regarding housing loan.While recovering the documents from ICICI bank the original sale deed no: 5002/2000-1,dated[protected] by the name of Mr.Balakumar has been found to be missing .The bank representative is not able to trace the document from the past three months .The original sale deed is mandatory for availing house loan from M/s Deutsche post bank home finance limited.So ICICI bank is to be held responsible for the loss of Original sale deed no:5002/2000-1 and necessary action to be taken against the ICICI bank.


Thanks & Regds
VENKAT R KUMBHA
ICICI HOUSE LOAN A/C LBBNG[protected]
SCIENTIST 'C'
ADA,BANGALORE
MOBILE:[protected]