ICICI Bank Complaints & Reviews

Dear

This is regarding my Provident Fund.I have submitted my provident fund withdrawal form in the month of October-2008 in but till now i have not received my Provident Fund No "DL/35644/" of " HITECH PRODUCERS PVT LTD 6/12,CENTRAL LANE, BENGALI MARKET, NEW DELHI CRSD7MU .Please help me so that i can get it soon.

My Saving account number[protected]. I am holding this saving account with ICICI Bank Tardeo branch for over 2 years. That time the min balance required was Rs 5000/- which i have been maitaining. The account however was unoperated for almost 18 months. During this course the bank would have increased the min balance requirement to Rs. 10,000/-. Snce I keep touring for my work the increase in min balance information skipped my attention till one day in July'2009 I got an SMS 1st time stating my account balance is approx. 1900/- which stuck my mind that I had Rs. 5000/- than how it has come down to below 2000/- So I enquired with the bank who told me this. Ms. Phiroza in the branch told me to give an application for consideration to the branch manager which i did but till date I have no response from the bank. I did receive a call twice from Phiroza and one more person stating that if i am making some more investment in form of insurance than they are willing to consider.

My request is that if the account is unoperated for a long period the account is freezed for security reason than how can they charge penalty. I understnd that if i am using the services and not maintaining the balance they will charge, but here i have not operated the account for over 8 months than how can the bank charge. The nationalised banks min balance requirement till date is R. 5000/- only than too these pvt. banks are demanding higher min balance amount

Please help me to reverse the penalty charges.

I FINANCED MY CAR THROUGH ICICI BANK IN AUG 2004 FOR 5 YRS. MY FINANCE IS OVER ON SEP-2009.BUT TILL DATE I DONT RECIEVE NOC FROM BANK .PLS ARRANGE NOC FROM BANK.

RAJESH SAINI
CAR LOAN A/C.NO-LADEL[protected]
CAR- WAGON-R LXI
DL4CAA2056
[protected]

I got a property from Mr. Dinesh Naik this property is on loan with ICICI bank loan account no.LBMUM[protected] of Mr Dinesh Naik.

I have approached Axis Bank as I am getting lower rate of interest. However when Axis Bank sent the pay order for foreclosure ICICI Bank denied to accept it they said they will not do any bank to bank loan transfer.

Axis Bank is not ready to give the pay order to the account holder. I have already got the registration done. I want the process to file the complaints against ICICI Bank for such approch.

I am merchant establishment for icici bank.
My MID no. is 50099839 and my terminal ID IS 10412126.
I Had RECEIVED ONE PAYMENT OF Rs. 2766.57, vide check no.500701
The process date was 30/05/2008.I had misplaced the check.
I have now found the check.
Please let me know which office of icici bank in mumbai I can take the check to get it revalidated. as it is more than six months old.
FOR GYPSY HOTEL
Rajinder Singh Bhatia

Dear sir

I took a home loan from ICICI in 2006.

As you know that ICICI always increases the floating Interest rates high and do not decrease as soon as RBI asks when PLR rate is decreased because of this I am paying lots of intrest to ICICI unnecessarily.

So I thought to transfer my loan to PSU banks like SBH,SBI or Union bank.But they are charging 2.5 % as pre closure charges to transfer the home loan.I have studied in Economic times and also in blogs that RBI has requested banks not to collect any pre closure charges Srikanthand also High court has also ordered the same.

Please help me to transfer my loan with out preclosure charges.

Please do needful.

Thanks

I changed my home address on 22nd Oct and requested them to send my two previous card statement on my New address.but till date i haven't received the credit card statement on my new address.
The customer care persons not responding properly.

I am an account holder of ICICI Bank. My A/c No. is[protected]. The IVR system of ICICI Bank is very very poor. I had placed a request one week earlier i.e. on 11/nov/09 but today when i called, i was told that the request has not been placed and the Cust. Care Exec connected me to the IVR telling me the steps, i followed those steps but no request message ever came up. Instead I finished my whole 100 Rs. balance in my mobile trying to get it done.

It is really weird that the so called no.1 private sector bank of India has such poor service.

Dear sir,

I have been taken STPL loan from icici bank ltd.My emi amt:1836/- per month.As per recovery agent , Rs 32000/- total outstanding and principal is Rs.25000/-.

I want some time for pay your total outstanding but recovery agent not giving time and mantly tourcher to me and taken a cheque from me amt:Rs20000/-, and said if cheque will bounce so i will complaint in police.

I have been mantly disturb and i can do susside.If you are not take any action i will suside and you will responsible for this.

I have a ICICI Tax saving Bond 022002-TSB -Three , it is already matured but till to date i have not received maturity amout. I have original bond with me. How to get my maturity amount. pl suggest to my mail id [protected]@yahoo.co.in...

ARE THE NODAL OFFICERS BLIND OR WHAT? OR DO THEY NOT UNDERSTAND SIMPLE ENGLISH???


IF I HAVE ASKED SOME ONE HIGHER TO THE NODAL OFFICERS LEVEL TO ADDRESS MY ISSUE WHY ON EARTH IS THE SAME NODAL OFFICER WHO FAILED TO RESOLVE MY ISSUE EARLIER ASKED TO RESOLVE MY ISSUE NOW..


EITHER ICICI ARE SHORT OF PROFESSIONAL STAFF OR THEY JUST WANT TO PROLONG ISSUES AND HARRASS THEIR CUSTOMERS


THIS NODAL OFFICER Ms. SUNANDA RAO…. GOD KNOWS WHAT ON EARTH IS SHE DOING IN THIS SENIOR LEVEL… SHE IS SO BLIND ENOUGH EVEN TO READ THE CUSTOMES ISSUE ADDRESED ON FORUM.

SHE WAS THE SAME NODAL OFFICER WHOM I CAME ACROSS BEFORE ADRESSING THE ISSUE ON CUSTOME COMPLAINTS FORUM .SHE HAD REJECTED MY REQUEST EARLIER AND FAILED TO RESOLVE MY ISSUES. EVEN THIS TIME BEING ADAMANT SHE EMAILED ME THE POLICIES AND PROCEDURES OF ICICI THINKING THAT THIS WAS THE BEST WAY TO RESOLVE THE ISSUE.

AFTER ME ADDRESSING THE ISSUE ON CUSTOMER COMPLAINTS FORUM.. SHE WAS SO BLIND TO READ THAT I HAD CLEARLY REQUESTED FOR SOME ONE HIGHER THAN NODAL OFFICER TO RESOLVE MY ISSUE.

SO WHAT NEXT …. THE SAME NODAL OFFICER CALLS BACK … THE SAME ARGUMENT CONTINUED VIA TELEPHONE…. AND THE SAME STATUS OF MY ISSUE REMAINS UNRESOLVED.

SHE CLAIMS TO REOLVE MY ISSUE VIA EMAIL STATING THAT SHE DOES NOT HAVE ANY RECORDS IN THE SYSTEM UPDATED BY HER AGENTS IN REGARDS TO WHAT I CLAIM… BUT SHE IS SO BLIND THAT SHE COULD NOT READ WHAT I HAD MENTIONED ON THE FORUM STATING “. Is it the customers fault if your customer service department does not update the records? How can the Nodal officer claim that a customer has not called the Customer Service department if the concerned executive has not updated the account?


ALL WHAT I HAD WRITTEN ON THE FORUM HAD BEEN REPEATED ON THE TELEPHONIC CONVERSATION BETWEEN ME AND Ms. RAO. THERE WAS NOTHING NEW, THE CONVERSATION THE RESOLUTION WAS THE SAME THAT I HAD WITH Ms. RAO BEFORE ADDRESSING THE COMPLAINT ON THE FORUM.

SHE HAS TORTURED ME MENTALLY BY GOING OVER THIS ALL AGAIN TWICE.

SHE IS SO ADAMANT AND NOT AT ALL COOPERATIVE. IRRESPECTIVE ME STATING ON THE FORUM CLEARLY THAT THE EXECUTIVES HAS NOT UPDATED THE CONVERSATIONS I HAD WITH THEM EARLIER…AND ITS NOT MY FAULT AND THAT DOES NOT MEAN I HAVE NOT CALLED THEM.

SHE LIKE A DISGUSTING PERSON CLOSES MY ISSUE STATING THAT SHE CANNOT HELP ME AS THE COMMENTS ARE NOT UPDATED…

WHY ON HELL WOULD I RAISE MY QUERY ON CUSTOMER COMPLAINT FORUM IF I ACCEPT THAT RUBBISH ANSWER SHE GAVE ME EARLIER?

DOES IT MAKE ANY SENSE TO YOU Ms. RAO? I RAISED THE ISSUE SO THAT SOME ONE MORE COMPETENT THAN YOU COULD RESOLVE MY QUERY AND CAN STOP PLAYING A RECORDER OF YOUR COMPANY NORMS AND POLICIES LIKE YOU DO.

YOU DON’T PLAY THIS NORMS AND POLICIES RECORDER EVERY TIME YOU CONVINCE YOUR CUSTOMER TO BUY A CREDIT CARD OR LOAN ETC..

JUST TELL ME WHY THE HELL DID YOU CALL ME IF YOU HAD TO GIVE ME THE SAME REPLY.

FIRST ANSWER ME AS TO WHY DID YOU CALL ME? DID YOU NOT SEE ON YOUR SYSTEM THAT YOU WERE INCAPABLE OF ADDRESSING MY ISSUE EARLIER? DID YOU NOT READ MY ISSUE ON THE FORUM WHERE I CLEARLY STATED THAT SOME ONE HIGHER THAN NODAL OFFICER SHOULD ADDRESS TO MY QUERY? HOW COULD YOU BE SO SHAMELESS TO CALL ME BACK TO ADDRESS MY ISSUE WHEN YOU COULD NOT RESOLVE IT EARLIER? EVEN AFTER YOU CALLE DTHE SECOND TIME WHERE YOU DEAF DURING OUR TELEPHONIC CONVERSATION WHEN I HAD SPECIFIED THAT I HAD A TELEPHONIC DISCUSSION WITH YOUR OFFICERS AND THEY HAD NOT UPDATED THE COMMENTS.

I AM SO FED UP WITH YOUR SERVICES. I WILL CUT THE CARD IN 4 PIECES AND COURIER IT TO YOUR DEPARTMENT.

I WILL NOT PAY ANY OUTSTANDING EXCEPT FOR THE PURCHASES I HAVE MADE WHICH I HAVE ALREADY CLEARED.

SO MY OUTSTANDING STAYS NIL.

I WILL NO MORE ACCEPT THIS HARRASMENT FROM YOUR END AND OF THIS NONSENSE CONTINUES I WILL BE FORCED TO GO TO BANKING OMBUDSMAN



ICICI Credit Card Complaints - ICICI CREDIT CARD - Interest charges
ICICI Credit Card
Posted:[protected] by HAZEL DSOUZA Send email


ICICI CREDIT CARD - Interest charges
I humbly request every individual to stop using ICICI credit card because they only loot their customers no matter how much business you bring to them.They also don It does not make any difference to them. There is no benefit of doubt. They don’t trust their customers and their customer service sucks…. Right from the lower executives right to the Nodal officers…



My ICICI Credit card Number: [protected] activated in 2007.

I have been so fed up with the ICICI credit card department. They have the post pathetic and disgusting staff. Right from Customer service department to the Nodal Officer Department.

Their customer service department is so poor, they do not update their records and we customer have to pay the brunt for it. Is it the customers fault if your customer service department does not update the records? How can the Nodal officer claim that a customer has not called the Customer Service department if the concerned executive has not updated the account?

It happened to me on 20th October 2007, where I was wrongly charged to my account for a transaction. I had called the customer service department, they asked me to fax a dispute form. I After confirming with the customer service executive the receipt of the form via fax, I was asked to pay less the amount not due to my account and was informed no additional charges like interest fee or anything extra charges will be charged till my issue is resolved. To my misfortune I trusted the customer service executive and destroyed the proof of fax and for the next 4 months till February.

Some questions to be asked here??

1) How on earth do I trust ICICI for the transactions they charge on my card?
a) Most of the time bills are sent after due date. Without going through the whole bill why the hell should I pay the full amount? What if there are incorrect transactions. If the first mistake was not corrected, how would they ask me to make full payment?
b) If the customer service executives are so inefficient and if everything needs to be written and sent across, why are the executives sitting there for? If we don’t trust them for their word why don’t they start dispatching letters for the confirmations they do?

2) Why was I getting credit for my charges if there was no proof of my dispute?

The same error occurred to me on 18th March 2008 and 21st February 2008 dual charges for Vodafone & again the same thing was repeated. I did not take it seriously as I was told the charges would be reversed to me till issues would be resolved and I was getting reversals in my account till Feb’08.

Then due to some personal reasons I was not able to follow up with ICICI and the interest charges and late payment fees were continuously being levied heavily on me. I still continued to make payments on my purchases. Then on 15th Sep’08 I had raised the same issue with the second level as per ICICI’s online complaint process, but the reply was not satisfactory as there was no proper solution been given. Then the same issue was raised to Head Quality Service wherein I received no reply. As usual it took too long for ICICI to reply for my queries or to provide solutions all the knew was to loot their customers by levying heavy interest fees.
The issue was raised to the nodal officer pleading to waive off the nuisance penalties on to my account. I had accepted and paid all the purchases due on my account and had requested for disconnection.

But they put me on stupid EMI system and rejected my application of disconnection.

I have made all my payments. And would request to please help me get rid of this nuisance ICICI credit card department.

I want to disconnect and shut my card . Please stop levying interest penalties on my card… They have been doing that and now they say I have 50,000/- outstanding. [censored]… Prove it’s the unpaid purchase and I will pay for it.


Someone please help me settle my credit card.


COULD YOU PLEASE TELL ME IF THERE IS ANY ONE ELSE ABOVE NODAL OFFICE WHO CAN RESOLVE MY ISSUE.

Dear sir,

REF: RN9084
I sent some chqs. to ICICI bank in Chennai, two weeks ago from KERALA vide Reg.coupon No.RN 9084. The bank says it is not received yet.

Your foloow up in this matter would be highly appreciated.

thanks.

OPEN LETTER TO ICICI BANK CREDIT CARD HEAD


The amount paid till date i.e. Rs.11,000 from my end does not in any given way reflects anywhere in your system.
According to you the outstanding amount i.e.Rs.23868.49 is more than the amount swapped on the card.
Every month a sum of Rs.1000 was paid as EMI installment on the ICICI EMI CARD [protected].
I never agreed or am aware of your inhouse financial charges which could lead to the current financial debacle.
This is pure indiscrimination and not acceptable by any means.
Moreover, you fail to provide me the corresponding bills each month.I was kept aloof of the bills.

The credit cards due were paid as per the stipulated time.

I defer on your commitment as the customer service on earlier occasion had stated that they did not sent me any credit card statement.
It is really funny that I received statements of my ICICI credit card ending with 2006 regularly but never received the statement for the subject card on my email.

Please let me know where my hard earned money i.e. Rs. 11,000 went that I had deposited on regular basis against the ICICI EMI CARD NO. [protected].
How is it possible that the total outstanding of Rs.23978.79 is charged on me when the amount of Rs.1000 paid every month should have been deducted from the outstanding.
The total amount used on the card is Rs.20000 and Rs.3500 on two occasions respectively.The additional one time charges on the purchase is understandable.
You have charged me lavishly with whatever additional financial charges to make sure that the stipulated amount of Rs.1000 does not get deducted from the outstanding.
This is not banking but instead it is robbery on your part.
I have been receiving the credit card statement for other ICICI credit card on regular basis.
I have every right to be informed about my credit card status but you failed.
It was always by the personnel from ICICI bank that due amount was collected.
I have the right to be heard.You cannot just simply keep me ashore by overlooking into the facts.
This is a complete breach of trust.


The trap was not to allow me to pay more than the set amount of Rs.1000 every month.
The other highlight is you did not allowed the bill statement to reach me through any means.
You made financial charges and made sure that the outstanding amount remains constant.Even after 11 months the amount outstanding gets overleveraged.
I am willing to pay the balance amount provided you deduct the amount of Rs.11000 from my outstanding.

THE SAME IS BEING DELIVERED TO YOUR CUSTOMER SERVICE AND OFFICE OF THE HEAD SERVICE QUALITY (MS.SHEETAL THAKUR) BUT THEY ARE ADAMANT ON EXTRACTING MONEY I HAVE GONE PUBLIC AFTER CONFIRMATION FROM MS.SHEETAL THAKUR.

I had raised a query on mobile number to be updated so that i could get my funds transferred from ICICI to another ICICI account. I was informed that the form has to be submitted at the ICICI branch and it would take 2 days to reflect.

I went to the bank on 4/11/2009 around 1330 hrs and submitted the filled up form. I was informed i could start fund transfer after 2 working days as the request takes 2 working days to reflect on their systems.

On the following Monday (9/11/2009) - which is 3 full working days past the submission - the request was not yet updated on the site as a result of which i was unable to transfer funds. I raised a call with ICICI customer care. The representative infomred me that it would take 3 working days to reflect; and following this i can transfer the funds. I had my doubts on the claim. So i asked them for the back up process in case the request was not updated by end of day. I was informed that in such a situaion, a ticket would be raised and the request would be manually updated.
On tuesday (10/11/2009), i called up again @ 1400 hrs since it was still not updated. They did raise a ticket; but it would require 1 more working day! i informed the representative of all the prior (hollow) commitments given by her predecessors. AFter much haggling, i was promised that it would take effect by 5:30 pm on 10/11/2009.
At 7:00 pm on 10/11/2009, i called up again as it was still not updated. The next commitment was for end of day on 10/11/2009.
On 11/11/2009, Lo and Behold!!! it was done...but wait!!...there's a catch...you still cant transfer funds since there is a 'cooling period ' of 3 days!!! WTH?????

that would mean, that i would have to wait 10 working days to raise a request and get funds transferred.

I am ok with that provided that is the commitment given when you are taking in the request. When i raise a request with the info that 'i need to get funds transferred and hence need to update my mobile number to receive the URN for a/c regstration', the least i expect as a consumer is the waiting time to get my request to completion. I do not care for how many departments it needs to go thru. Nor am i intresteted to hear that after the committed time, the request has gone to next department and it would take another 'x' days to get this done. After 'x' days, the response would be-" welcome to ICICI, this request has been completed,. It has been passed to the next dept and you need to check with them for their planned time window'. What kind of a customer experience do you hope to acheive?

Can someone answer as to why there is such a huge disconnect in process and information between the various customer facing representatives?

By the way, in case you incompetant are reading this - the request number raised was #[protected].
The agents involved were
> Bank official at the Hinjewadi Phase 2 office (didnt note his name). It should be in the ticket .
> Call centre employee on 9/11/09 (didnt note her name too, there should be an update made by her in the initial ticket though)
> Nithya Valluvan - Cust care executive who raised the ticket number mentioned above
>Shashank Sharma - Cust care executive on 10/10/09 (call answered at 7 pm evening)
>Lalitha Upadhyay - Floor leader

reg
zaheer

Dear Sir,

I had take Hyandi Getz from Trident Hyandai in September 2006 and there was a scheme which was going on wherein, I had to pay for 32 instalments.

Loan Amount availed was Rs 3,59,000

Payment terms was like this:

Down Payment; Rs 1,22,000 which included (103000+1EMI+650+359)

They explained me in the sheet which I have with me that I have to pay Emi of Rs 8350 for 31 months inclding the advance EMI and end of 32nd month had to pay Rs 96600 and close the loan.

I guess it was some Bullet scheme which Sales person at Trident sold me mentioning its 0% scheme for 30 months and end of tenure I had to pay the difference amount.

I have the sheet explaining everything which is very clear. I also got the agreement copy wherein they have striked the advance EMI and written it as zero without any sign or initial.

Now, shokingly they have charged for 35 EMI's @ Rs 8374 and last cheque that they have put is for Rs 1,47,000. which is just unaccepted and unfair.

I have been cheated and last cheque got bounced and I have still not paid the last amount. I really want to close this as agreed and as explained to me.

They have put me in some Buy Back scheme which I was not even aware of.

I have visited ICICI bank and have spoken to few executives for few times but no one is addressing my problem.

I personally visited @ trident Hyandai and met Ms Meena-Finance Incharge and Mr Santosh-Relationship manager from ICICI. They promised to get back to me in 7 working days but even after repeated calls they are not responding.

I feel, I have been cheated and feeling so disgusted for choosing ICICI Bank for car loan and choosing trident for buying the car.

Request you to help me sort this out, I really want to pay the balance amount and close this account once for all.

Regards,

Mallikarjun-[protected].

Dear Sir,

The ICICI bank cheque book was returned un-delivered from our residence at Thakur Village on 6th November 2009 with AW no.1053890. Immediately on 6th November on receiving missed note a call was made on 42017000 and it was informed that the same would be delivered the next day.

Subsequent to this calls are made on a regular basis but the information conveyed is we are tracing the document. They are also not ready to share the seniors numbers.

Request you to please take action against such fly by night companies who are harrasing the customers.

REgards
Kamlesh
[protected]

The Concerned Officer

Sub: declaration of credit card in icici –[protected]

This is to be certified that in 2004 we were facilated with a credit card no.[protected] from icici bank. It was closed ( Due to misused by some one ) in February.04.

The account was fully closed by making all payment In aug. month 04 . as per all discussions with icici branch officer. an application was also submitted for fully close the account on 07/09/04. Yet the account was closed but the bills from the branch, we received upto 7-8 months due to the communication problem ( between billing dept. & the related dept.).
When we contacted to the related dept. in Mumbai .They told all time that ( Account is nil, It will take some days to clear the record from billing dept.)

All this matter can be confirmed from the main branch ICICI, Mumbai.

now when we needed a car loan, then it came to know that an amount of rs 25419/- is written off in our credit card account ( search report) . our bank denies to sanction loan due to this written off amount. the bank your declaration of amount.

your nagpur branch suggested us to contact you. you are requested to give urgently the details of the amount. the balance was 0.42 paise credit in statement july 21, 2004.

we are suffering a lot due to the system. now please give urgent n.o.c. with ful details.because it will be issue in all loan cases in future too.

Thanking you.

Yours faithfully


Padam J. Bansal
email : [protected]@yahoo.com[/email]
Flat No. 203,
Swami Narayan Apt.,
255, East Wardhman Nagar.
Nagpur-8
Ph – [protected],2769719.

This is regarding CC [protected]. This is a "Platinum Card" issued to me in lieu of [protected]. I have had this card and the account with ICICI for the past 10 years and there has been no history of non payment.

On Friday the 6th Nov 2009, I wanted to make a payment of 48000 to Dell. The transaction got declined. I called ICICI and they told me that it is a big transaction and hence it was declined. I was told to do it again. I did it again and it was declined again. I called again and they told me to do it again. I did it again and it was declined again. I called again and the customer service guy told me that I had set a limit on the card and hence the Transaction was declined. I told him to remove it and he said it will take 24hrs to get this done. So I did not do any transaction till Monday and on Monday (9/11/2009) I tried the same transaction and it was declined. I called the Customer Service again and they told me that nothing was wrong and the merchant is declining the transaction and that I could do it again. He suggested that I should try it in 2 smaller installments. So I decided to do it as Rs 25,000 and Rs 23,000. My first 25,000 went thru and the second for Rs.23,000 was declined. I then called the Customer service again and he told me that that days limit was set as Rs 30,000 (which was not informed to me). He said that the limit is for one day and it cannot be changed and I cannot do any transactions further for that day. I asked him to send me an sms to that effect. He said he will send me a mail to my mail ID (which I am yet to receive).

On Tuesday (10/11/2009) I called the customer service (Some shanti answered) and I told her that I am going to make the transaction for Rs23,000 to Dell and asked her if I can do it. She said I can do it. I did the transaction again and it was declined.

Does ICICI bank think the whole matter is a joke? I am disgusted with ICICI bank's behaviour. I have a credit limit of 1,93,000 Out of which more than 1,00,000 is still available.

How can we make the staff more responsible?

I wat to add a payee on my account. First you have to have a mobile banking account for which you must wait for 1/2 hour in he bank. then you get it but when you add a payee online it sweetly gives a number to call incase you don't get a Unique number on your mobile. when you send you realized you just killed 3 rupees for nothing. well its been 6 days and I still can't add a payee on my own account. Looks like I'm just about to discontinue my services with ICICI. by the way what's cooling period? is it when user has lost his cool?

This is Avinash Dattatraya Diwan. I had a credit card long back. Credit Card Number was [protected].
It was causing real headache. It was showing the money outstanding even after I cleared the bills.
So I wrote a letter to higher authority regarding this matter. They assured me that after this there will be no problem regarding this credit card.
After that credit card was destroyed.

But the matter was not settled. In the CIBIL report it is showing that the credit card status is WRITTEN OFF.

This is seriously causing me problems. No bank is granting me any kind of loan. Banks are asking to settle this out.

my son is going to pursue his higher education in US. For that he need to appear for VISA and to clear VISA, he needs the education loan
to be sanctioned. Sir his college will be starting on 11th Jan 2010. He must be there before that.

I need the loan to be sanctioned at the end of this month. Otherwise my son wont be able to go to US on time, which will seriously affect me and my family.

Hence please I am requesting you to look at the matter as early as possible. And help me in every possible way you can with this matter of credit card.

Please I request you to do the needful in our interest.

Thank You.

Aviansh Dattatraya Diwan.