ICICI Bank Complaints & Reviews

I have a saving A/C at ICICI.I tried to withdraw an amount of Rs.10000 with my ICICI Visa card from SBI ATM.Money has not been dispenced by machine but money was debited from A/C. I made a complaint at ICICI Customer care .1st time the commited for refund in 7 working days but that does not happend.i asked for the details of withdrawl. As per the detail provided by ICICI the money was withdrawan from SBI Hajipur.But I never tried from Hajipur ATM.
I made this complaint to 2nd level Ms. Madhuri Jaiswal, she commited that money will be refunded in 12 working days.Even after 12 working days there is no responce from ICICI.What is the legal process which I should go for to get my money back.
Is our money is safe at ICICI???

I have every reason to believe that the complaints against ICICI Bank by customers are cent percent true and in many cases the customers are not realizing the depth of the frauds being committed by the bank. My experience is also very bitter.
1. Before leaving to Dubai in 2004, I converted my ICICI Bank SB Account to NRO account by submitting all the required documents at Vashi Branch. The Bank assured me that everything has been taken care of at Dubai. However when I approached them to activate my account, they informed me that Dubai branch has intimation about my account. The Bank informed me that they could not locate the documents at Vashi Branch and as such I should resubmit the papers. I was unable to encash my salary cheques for 4 months. I just survived to suffer & return.
2. De-mat account - On the pretext of destroyed documents in the floods, my account is de-activated. My requests to activate it fell on deaf ears for the last 3 years. However, they are very prompt in deducting de-mat account charges well in advance. Demat charges for the year 2009-10 is deducted in October 2008 from the accounts of demat account holders. They have no shame in charging exorbitant rate for demat charges and for accouts deactivated by them due to their fault
3. My income tax refund order for 2, 400/- submitted with ICICI bank in in 2004/- is not yet credited so far.
4. Bounced cheques - They deliberately bounce cheques citing signature mismatch - I have at least 4 cheques with me. This is also one excuse for the bank to squeeze money out of customers.
5. ICICI BANK Home loan - I started with 7.75%interest rate on my home loan. Now I pay around 16% on my home loan. They will not tell you what are the hidden charges and every month how muhc they are additing to your home loans.
Everywhere we give our telephone nos, mobile nos, e-mail address or residential address. However, the Bank will not contact you for anything. They are waiting for a chance to squeeze you. I wonder for whom they are working.
If any one can help me, you are most welcome. My e-mail id: [protected]@yahoo.com
Regards/ subash sankaran kolladikkel (Mobile: [protected])

This is the email that I have sent after getting totally frustrated

I have a booking with Kingfisher under Reservation code – GUWPMQ. I have booked these tickets on 19-Apr-2009 from flykingfisher.com using my ICICI Bank Credit Card.



It is observed that the merchant (KINGFISHER) broke my total transaction of INR 31, 082/- into 4 parts –





Date
Reference
Amount in INR

19-Apr-2009
75176379110904190020071
10, 208

19-Apr-2009
75176379110904190020063
10, 208

19-Apr-2009
75176379110904190020055
10, 208

19-Apr-2009
75176379110904190020089
458






The above table is a glimpse of charges levied on my Credit table.



I have been observing my Credit Card statement and the balance credit limit showed a drastic low figure. Thus, I got in touch with my bank and they reported back to me that the transactions levied above are displayed in my card. But, there is an additional claim of INR 31, 082/- from Kingfisher which is in PENDING STATUS for which my credit limit is reserved. This is the reason that my balance credit limit is showing a drastic low figure. On further conversation with ICICI the person on the other end reported to me that there is a trouble with KINGFISHER system due to which double debit claims from KINGFISHER website.



I am detailing so much since I don’t care where the trouble is. What I am bothered is that I am unable to use my credit card due to drastic low credit limit available to me. In this entire matter there was no fault from my side and yet I am penalized for no reason at all.



With all this I have only two queries –

· Would either ICICI or KINGFISHER pay my bills or additional interest due on my bills which I am unable to pay due to unnecessary credit limit blockage?

· By when would I have my CREDIT LIMIT freed up?





I know that it is a holiday today. But, yet hoping to hear something from your side.

I have two personal loans from icici bank no.LPAJM[protected] AND LPAJM[protected].PREVIOUSLY I WAS EMPLOYED WITH NPIL AJMER AND MY SALARY DATE WAS 1ST OF EACH MONTH BUT NOW i HAVE RELOCATED TO JAIPUR. IWAS OUT OF JOB FOR THREE MONTHS FROM DEC 08 NOW I HAVE JUST JOINED .NOW MY SALARY DATE IS 7TH OF EACH MONTH. THERE TWO ISSUES
1) THE INSURANCE GIVEN BY BANK FROM ICICI LOMBARD REGARDING PAYMENT OF OF 3 EMI S DURINGLOSS OF JOB IS NOT BEING CLEARED BY THEM.
2) THEY ARE NOT READY TO CHANGE THE ECS DATE DUE TO WHICH MY CREDIT IS BEING EFFECTED AS WELL AS UNNECESSARY CHARGES ARE BEING LEVIED.NEITHER THEY ARE READY TO CANCEL ECS.

Hi,

I deposit a cheque in ICICI Bank Safdarjung Branch Delhi on 17th November 2008 with my one of my collegue.His cheque is credited to his account but my check was lost by Bank.

After visting to the same branch they said that I need to contact with customer care for this.

Let me explain you the scenerio :- Me and my friend visited branch and deposit a cheque after filling slip.

We went to the Bank employee to take his signature but he denied that "we are not giving signature for any cheques in this branch, you have to go with the stamp only on the acknowledgement slip"

I have that slip and Cheque number, I have scanned copy of both acknowledgement slip if required.

I am trying to make regular contact but no result found . I am attaching follow up mail with the bank ...

Follow up mail and scanned proofs attached:-
Requesting you to please update the status...


Thanks & Regards
Tarun

--- On Tue, 10/3/09, tarun saahil <[protected]@yahoo.co.in> wrote:


From: tarun saahil <[protected]@yahoo.co.in>
Subject: Fw: RE:'ICICICARE=[protected]' Confirmation and Proof
To: "Customer Care" <[protected]@ICICIBANK.COM>
Date: Tuesday, 10 March, 2009, 8:41 PM


Hi,

Kindly Confirm the status...





Thanks & Regards
Tarun

--- On Tue, 10/3/09, tarun saahil <[protected]@yahoo.co.in> wrote:


From: tarun saahil <[protected]@yahoo.co.in>
Subject: RE:'ICICICARE=[protected]' Confirmation and Proof
To: "Customer Care" <[protected]@ICICIBANK.COM>
Date: Tuesday, 10 March, 2009, 5:34 PM


Hi,

Apologizing for the delay from my side...
As required please find the attached acknowledgemnt copy for the same

Please feel free to contact any time ...



Thanks & Regards
Tarun
[protected]
[protected]

--- On Sat, 27/12/08, Customer Care <[protected]@ICICIBANK.COM> wrote:


From: Customer Care <[protected]@ICICIBANK.COM>
Subject: RE:'ICICICARE=[protected]' Confirmation and Proof
To: "tarun saahil" <[protected]@YAHOO.CO.IN>
Date: Saturday, 27 December, 2008, 6:21 PM


Dear Mr. Tarun,

For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com

As per our records cheque number 425637 has not been received at our end to be credited to your account.

Sincerely,

B Angelina- Emails DP-Hyd
Customer Service Officer
ICICI Bank Limited

ICICI Bank now offers 10.5% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch.

Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com

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


-----Original Message-----
From: tarun saahil ([protected]@yahoo.co.in)
Date: Saturday, December 27, 2008 03:58 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: Confirmation and Proof

Hi,

Please find the proof required by ICICI Bank Customer care as attached file .
This is scanned copy of ORIGINAL issued check to me by my employers...

SR 87556166. This is the Service request raised oN the same ...

Check was Deposited to ICICI BANK Safdarjung Branch DELHI.When tried to get signature of associate at Branch, your associate denied to sign and said just directly drop the check and only stamp will be sufficient on the slip...

Please do the needful ASAP .Because my Check was deposited on 17th November 2008.

[protected], Please contact on this no. for communication...


Thanks & Regards
Tarun

have received information from the bank regarding defaulting in credit cards of icici Bank and my name is listed in the Defaulter List of CIBIL.

I have done full and final settlement

But icici Bank has not send the data to CIBIL. MY credit card has declined because of the wrong information given by the bank to CIBIL.

I seek justice to get my names removed from the defaulter list with an immediate effect. I am ready to give all the proof and settlement letters issued by the concerned credit cards provider.

Please help to remive my name from civil.

Looking forward to a suitable action at the earliest form your end.

Bond Holder No. Certificate No. No.of bonds Amount
1. ICICI Tax Saving Bond - 32001-TSB-one[protected] 10000/-
2. ICICI Bank Ltd. Tax Saving Bond[protected]/-
-032003-TSB-two
3. ICICI Ltd.Tax saving bond-012002-TSB-one[protected]/-
4. ICICI Ltd. Tax Saving Bond-022002-TSB-two[protected]/-

I will like to know the status of the above bonds I had...

This is with reference to the captioned subject regarding the dubious transactions made on my Add on Card which is issued in my wife Nisha Atrey's name (Card No. [protected]). As my card was repeatedly declined by your system, to check the reason I called up your customer care no.[protected]. During the call I learnt that the total amount due as per the automated system is Rs. 77200/- which is huge and incorrect as we have not bought articles of such high amount. Further it is learnt that all the transactions reflecting under the add on card of my wife are Incorrect as we have not purchased anything from respective merchant locations (as mentioned in the statement).

Details of all these transactions are as under:

Card No. [protected]
Date Merchant Name Transaction Amount (Rs.)
17-Mar-09 Mushrooms 3560
17-Mar-09 Shopper Stop Ltd 3270
17-Mar-09 Reliance Retiail Ltd 5899
17-Mar-09 Cobb Apperals 3599
17-Mar-09 Cobb Apperals 3598
17-Mar-09 Sagar & Co. 14995
17-Mar-09 Aero Club 1900
20-Mar-09 China Town 3500
20-Mar-09 Dress Park 750
20-Mar-09 Bishambher Sahai & Sons 1537.5
20-Mar-09 Prema Saree Centre 2600
23-Mar-09 Batra Garments 3000
25-Mar-09 Bishambher Sahai & Sons 615
26-Mar-09 Dominos India Pvt Ltd 158
27-Mar-09 Ram Service Station 1025
28-Mar-09 Batra Garments 1000
Total 51006.50


Due to all these transactions, there is a charge of Rs. 500/- levied for limit exceed, with no fault from our end. Kindly get these charges reversed while doing the reconciliation.

All these transaction are neither carried out by me or my wife nor have we authorized anyone to transact while using the said card. Therefore, all these transactions are disputed and needs to be reversed so that we can continue this relationship.

Further, in the evening of 7th Apr 09 when I once again called up to clear my doubt of how come the card can be used in duplicate especially when we have the original lying in our cupboard. While the call was initially attended my Mr. Sunil from whom when I confirmed by mailing address which is available in your records, it was found that the same was not updated. Further as my cards are getting elapsed it was a possibility that renewed cards might have been dispatched for us and are delivered in wrong hands. Unfortunately my fear came true, as per your records my mailing address was still reflecting as under:

M1/5, Plot No, 11, Shiksha Enclave,
Sect-6, Vasundhara, Ghaziabad,

Whereas my correct and current add is as under:

B-506, Aditya Garden City, GH4,
Sect 6, Vasundhara, Ghaziabad.

I asked for the same update to happen when I last called up your Customer care executive to redeem my reward points. I have neither received the imint card as well till date. These details were later updated (as confirmed to me) by Mr. Imran from Dispute department. While enquiring, it was confirmed that the new cards are dispatched and received under wrong identity of my wife, as we have not received the new cards till date and still we hold the same cards which are getting elapsed in this month.

All the above mentioned points were also mentioned in the letter sent by me to the respective Dispute department of ICICI Bank, in the form of scanned image sent on [protected]@icicibank.com.

At the time of lodging the complaint it was assured to me that as these transactions does not below to you, the same would be duly reversed post their own internal verifications.

On 27th Apr 09, I received a correspondence from the said bank (scanned image of the same are attached for ready reference) stating that mentioned transactions are to be borne by me which is wrong. They have also sent across the Charge Slips which are signed by the person who has this card with him wherein my name is written as signature although the card swiped is that of my wife Nisha Atrey. The signatures are also forged.

As mentioned earlier as well, this is clear case where cards are delivered to a wrong person and subsequently being misused. To confirm the same, as per the charge slip which is duly generated by the ICICI Bank System Exp date is mentioned as 04/13, whereas cards which are with me are already elapsed, as expiry date mentioned on these cards is 04/09.

Further, the same card is used twice at fuel station in Noida and the both the charge slips carries the same vehicle registration no. UP16S1452 and I do not own this vehicle as I have only one vehicle which has Delhi Registration plate. Even after having this proof the said bank has not take the pain to investigate on the basis of mentioned registration no. to find out the culprit. On the contrary they are asking me to make the payment and also are levying extra charges for the same.

This is serious concern and has caused mental agony and harassment and the same should be dealt with all the strict measures to penalize the main culprit.

Regards,

Peeyush Atrey
#[protected]

ICICI Bank Ltd Complaints - Process for PF
View all ICICI Bank Ltd complaints
ICICI Bank Ltd
Posted:[protected] by Rahul Chauhan Send email


Process for PF
Dear Sir,
I resigned this company which is service provider to ICICI Bank.
My employ code was 514354
C Code :mh/18976
SM Code : 145502

I have applied for my PF fundon 04/02/2009 but havenot received it yet. will you kindly help in getting my PF. kindly help me either through mail or either through call.My contact no is [protected]
This is for your kind information.Please.
Thanking you.
Rahul Chauhan
[protected]

dear sir,
i maintain always my account balance above 5000 ( account number[protected], Sigra branch, ICICI bank, varanasi ) but bank has deducted minimum balance charge from my account(827/-). it seems that minimum balance limit is increased but bank has not informed me about it.(my phone number and email id is registered with bank and they always use it for their advertisment and transaction information).
when i talk to branch manager on mobile number [protected] then he asked me to send a application regarding matter. this is not fare because bank is responsible to inform me about such type of changes he made about minimum balance limit.
kindly take proper action so that the bank returns me above amount(827/-).
thanking you.



yours truly
sanjay kumar rai
34 BN PAC, BHULLANPUR
VARANASI.

my credit card [protected], has overdues. Icici bank thru their credit manager amol kulkarni-pune[protected], is sending recovery agents/ gundas at my home specially when i am away at work so that they can insult, harass and threaten my wife for recovery.

I have repeatedly told this kulkarni and his goons tht they shud cm with proper document for final settlement but they are passing time.

ICICI as an organisation continues to use criminals as an important part of their team to harass and manhandle the customers.As citizens of India, we must blacklist this bank.

regards

Dear Sir,

I am a ICICI Bank Account Holder. On 22.04.2009 evening at 6.30 Pm I was using AXIS Bank ATM at PIMPRI (PUNE). Suddenly there was Power failuer and the card was stuck inside.
I was told by the ATM Security Gaurd that My card will be sent to My bank (ICICI Bank).

The next day 23.04.2009 was Holiday due to ELECTION. When I contacted my Bank on 25.04.2009, I got reply from there that if the card is stuck in other banks ATM the Bank destroys the CARD and DO NOT RETURN it to the CARD HOLDERS Bank.

When contacted AXIS Bank they also gave same reply that they have many such cards and they destroy the cards for SECURITY Purpose.

Now I have to apply for new DEBIT Card for which ICICI Bank is Charging me 200 + Service tax + 99 Rs annual maintainance charges.

Why must I pay when it was not my fault, I was using the CARD at other banks ATM because ALL ATM's are free to use now.

Please help. As the AXIS Bank ATM did not had back UP and they are using ATM machines which sollowes the card.

BEWARE OF ICICI

ICICI Account holders be CAREFULL

ICICI Account holders be carefull when you invest your hard earn money with ICICI.
Most of the time ICICI ATM doesn't function/operate.When you withdraw cash in non icici atm transaction will be made and shown in slip & account but money doesnot get transferred.TO PAY BACK YOUR OWN MONEY ICICI TAKES MINIMUM 1 MONTH IN THEIR WORDS.but actually it takes months n months & months...
When u swipe your card most of the time its double swipes & they take three working days to credit YOUR MONEY back to account.

Its not with 1 or 2 account holders its with most of the ICICI Account holders.So please be carefull when you invest your money in ICICI BANK.

Recent incident
Myself SUNIL ABHICHANDANI tried to withdraw money from ICICI ATM it was not functional.so tried to withdraw money from NON ICICI BANK.Transaction slip came out money was not released from ATM this happend found the same amount missing from the account on 08/04/2009 & the amount was 20000/-.Complaint was registered in Indiran nagar branch, they asked me to wait for 8 working days.I visited bank on 10th day they were not in condition to identify the issue, solution is far away.there were about 6 representitives spoke in such a way that 20000 is not a big money or these incidents are casual. Branch Manager Mr.Nisar asked me to wait for 3 days when I said I am in need for money.after 3 days I vsited still the answer was same & he asked to visit after 3days.Finally ICICI Indiranagar Branch Manager says "I am DOING A FAVOR TO YOU BY SOLVING THE ISSUE".so I don't know ICICI is paying salary or he is doing charity to bank & customers!!!.Branch manager & his subordinates says "COME ALONE IF YOU WANT SOLUTION AS YOUR WIFE IS SHOUTING" I think after loosing 20000 anybody will shout & its news that ICICI doesn't allow spouse to come along to the brach!! till now I have not got money from bank or any confirmation on my money & no confirmed date to get MY MONEY BACK!!.with this kind of response I don't know I can get my money back or not.

Please forward it to your dear & near one's to keep their money safe & not to Deposit in ICICI Account


Regards
Sunil ABHICHANDANI

Dear Sir,
This is regarding my full and final sattlement of cradit card with the ICICI bank as per sattlement I have paid Total Rs. 47600/ in four instalment as per the bank instruction now again bank is asking money 21000/ which i can not pay, and bank has hold my account these days i have job problem they are harresing me
Pls help me otherwise I will do some thing for my self benak will be resposeble for my death.
My cradit Card No [protected] ICICI bank
Adress SB Tower, Comunity center, Plot No 7, Sec 9.Rohni, Delhi

My Adress is D-114, GC Centrum, Indirapuram, Ghaziabad
Mobile [protected]

dear sir,
i request to you froud transation with our ICICI bank account. allrady informed to Branch Manager ICICI Bank, Center point but not any action for my complent.

Complent Date 23.03.2009
Bank A/C No.[protected]
Name Amar Kumar Bharti
froud Tran. Dt. (I) 02.03.09 Rs. 500.00
(II) 23.03.09 Rs. 500.00
Kindly help me

Amar Kumar Bharti
H.NO. 1107, Near Hanuman Mandir, Behind Asha Vidhaylay, Line 26/41
Bangang, Bhopal
Mob. No. [protected], [protected]

I have invested over USD160, 000 in an ICICI Venture fund, NRI deposit scheme, Dynamic India Fund VI. Over the last 5-6 months, I have tried unsuccessfully to reach anyone to tell me the process to close down my account. Any mail discussing account closure gets a cryptic response.

I tried the website of ICICI Ventures which pointed me to a mail ID [protected]@iciciventure.com. the mail ID does not function. I finally reached a human today, Naveen Pujari who informed me that my money cannot be taken out till 2012 at the earliest. This information was never shared with me by IFS who manages the fund for them.

Curious why it has taken so much effort to get the right answers. I think ICICI bank's staff are selling the product without full and complete disclosure which means we should read the fine print and not beleive the banker. The fiduciary responsibility of ICICI is also questionable, since they either have uninformed staff or incompetent staff.

Hi, I'm an employee of HCL Technologies Ltd. I blocked one of my ICICI cards XXXX 6008 non 8th March and ICICI executive told me that a new card will be dispatched to me.
1. On 10 th March I received the message that a new card has been dispatched to me on 10th March 12:54 pm and I'll receive it within 7 working days. . But on the same evening I received 7 messages about a few transactions made on a card no. XXXX6061.
On talking to ICICI customer care executive, I was informed that this card 6061 is the new card sent to me by ICICI. I blocked the card then only and raised a Service request to ICICI on their dispute department.
2. After few days, aninvestigating officer came to my home from ICICI with the courier boy. As per the courier boy, he delivered the card on 10th March 12:00 pm (as per entry register of my building) only i.e. card got delivered before the card got dispatched at 12:54 pm.
3. The PAN no. mentioned on the courier boys receiving report was different from mine. Even the receiving report was doubtful as all the names were printed except mine. My details were written manually by using pen in the receiving report. I gave the photo copies of my PAN as well as Passport to the Investigation officer.
4. The signature on the receiving report does not match to the one on my PAN or PASSPORT, photo copy already submitted to Investigation officer.
5. Two of the transactions were made at PUSA service station were of 20, 800.00 and 20, 800.00. As it is a rule that for any transaction above 10, 00.00, the ID proof has to be displayed, so that’s again a point that how could the transactions be made without my Id proof.
6. The Investigation officer accepted that all these proofs clearly say that there is some fraud done and also mentioned that many other disputes have also been raised against this Courier service and vendor.
7. Also, as two of the cash withdrawals were from ICICI Bank ATM only, the web-cameras can be used to track the person.

ICICI department asked me for 45 days to complete their investigation.

Since all these points clearly mention that I have not even received the card from which the transactions have been made, so I’m not liable to make these payments.

But on 27th April, I received a mail from ICICI mentioning that the investigation is in their favour and I have to make the complete payment now.

On talking to ICICI Investigation officer again, they said they can't disclose the investigation proofs and we have to make the payment.

Below is the list of messages I received...

1. I received the message “We have sent your ICICI BigBazaarGold Card through EXPRESS-IT Awb No. [protected]. You will get it in 7 working days”.
From TA-ICICIBNK
Date 10/03/2009
Time 12:54 pm
2. I received another message “You have made a transaction of INR 20, 800.00 on 10-Mar-09 on Card xxxx6016 at PUSA ROAD SERVI. Available Credit limit is 7, 365.47”.
From AM-ICICIBNK
Date 10/03/2009
Time 8:10 pm
3. I received another message “You have made a transaction of INR 20, 800.00 on 10-Mar-09 on Card xxxx6016 at PUSA ROAD SERVI. Available Credit limit is 28, 165.47”.
From AM-ICICIBNK
Date 10/03/2009
Time 8:15 pm
4. I received another message “You withdrew INR 5, 000.00 on 10-Mar-09 on Card xxxx6016 at ICICI ATM Merc. Available Credit limit is 1, 365.47”.
From AM-ICICIBNK
Date 10/03/2009
Time 8:30 pm
5. I received another message “You withdrew INR 1, 000.00 on 10-Mar-09 on Card xxxx6016 at ICICI ATM Merc. Available Credit limit is 6, 365.47”.
From AM-ICICIBNK
Date 10/03/2009
Time 8:33 pm
6. I received another message “Your transaction of INR 10, 000.00 on Credit Card xxxx6016 is withheld due to security reasons.Please call our customer care.”.
From AM-ICICIBNK
Date 10/03/2009
Time 9:22 pm
7. I received another message “Your transaction of INR 40, 000.00 on Credit Card xxxx6016 is withheld due to security reasons.Please call our customer care.”.
From AM-ICICIBNK
Date 10/03/2009
Time 9:44 pm

I request you to please get this issue investigated and resolved as ICICI is asking me to make a payment for a card that I never received.

Hi,

My issue is pending since more than 2.5 months and has not been resovlved despite of several dates commited by customer care and ICICI bank managers. Need to have contact details of banks top officials. Can some one provide me the mail ID of Mr KV Kamath or MS Chanda D Kochar.

Thanks

THIS IS TO INFORM YOU THAT, I AM RUNNIG A LOAN FROM ICICI BANK LOAN ACCOUNT NO.
(-LPJAL[protected]-) IN THE NAME OF SURINDER KUMAR JUNEJA.
DUE TO ECS NOT HIT THEY COLLECT EMI FROM ME IN CASH.
SOMETIMES ECS HITS SOMETIMES NOT IT IS NOT DUE TO LOW BALANCE THIS IS DUE TO BANKS FAULT..
AFTER TALKING WITH COLLECTO HE ADVICED TO GIVE THE PAYMENT IN CASH.
ICICI BANK HAS ALL MY DETAILS LIKE
-OFFICE ADDRESS
-RESI. ADDRESS
-PHONE N MOBIOLE NOS.. THEN ALSO SOMEBODY IS CALLING FROM THIS NO.- ([protected])
TO MY NEIGHBOURS IS THIS FAIR.
I AM SALARIED PERSON AND DOING JOB FROM LAST THIRTY YEARS, I NEVER FACED SUCH HARRASMENT WHICH YOUR BANK IS GIVING..

I am holding a home loan with this bank...this month the bank (as they say for some technical reason) did not put up the monthly EMI cheque in my bank for clearance...And now they are pressurising me to give them another fresh cheque...for which I asked them to return me the old one...but they are not doing so...and are harassing me to give them a new one but CANT TRUST them now...Its their mistake if they have not sent the cheque for clearance...Will it be safe if i give them a new cheque without taking back the old one...Will someone suggest something as to what is right according to the rules