Hi
This is to inform you that I had taken a loan from
ICICI Bank in the year 2001. The loan amount was Rs. 7, 00,000 & was for 5 year duration. It was going all well since the beginning. I had been paying up based on the transaction dates.
One of the times while the loan was still going on I took a top-up loan of Rs. 4,40,000 which was also added to the loan amount that I had been already paying. I continued to pay both these loans & finally the day arrived, Feb 2006, when all the amount that was due to be paid up was over & I had got rid of all the payment.
Next I visited the J.B Nagar branch of
ICICI Bank Home Loans, last year to get my house papers back. When I met the staff they told me that there is an EMI not paid up. I was surprised. I called for all the papers & they took time to reconcile the accounts & they somehow showed me an amount for some month, after great jugglery & discussions internally, that was due to be paid. They also asked me bring the supporting of the payment made for that month. I showed them the details in the papers that I was carrying. They said that they will look into the matter & get back to us.
Calls for non-payment began to land on my house no & my mobile. One day a recovery agent also landed up at my residence. My wife had to tell him that I am in office & that they call me up before coming. To this the
person said that they are from a recovery agency & they have all the rights to come to us without any prior information. These agents went back but the calls did not stop. Every 5-6 days I get a call for non-payment & I kept telling them that it is due to a fault of the bank & there is
nothing outstanding.
I went back to the JB Nagar Branch of
ICICI Bank Home Loans after 3-4 months or so I again visited the branch & asked for the papers. They again said that an amount is due for payment. This time they again came up with sheets of paper & again brought up some month-some year for which the amount is not paid. I told them that last time it was a different month for which they had showed an outstanding. They said that this is the final list for which there is an outstanding. I again showed them my papers & showed them clearly the bank statement for that month where it was shown as a debit for the month in the question.
They took a Xerox of my statements & said that they will come back to me in 2 working days.
Time passed by &
nothing happened. Calls kept coming & I began to tell them that if they don't stop bullying me I am going to lodge a complaint with Consumer Forum. The frequency of calls reduced & then the calls began to come at say 10 day interval.
After a lot of bouncing here & there I called up their call center on 24th December 2007.
SR 49326466 was raised by them on 24Dec for Non-Receipt of Housing Loan Docs for LHMUM[protected]. There was some lady called Smita/Smirit or someone similar sounding, who claimed to be the floor in charge. She told me that the documents will be couriered to me in 8 working days.
The calls did not stop & the bank has continued to trouble me for payment. The frequency has increased since last one month to around a call every day or every 2 days. Last week in a call when someone called me for the payment, I told that I had raised a Service Request on 24 th Dec & they had told me that I will get the docs in 8 days; she told me the following
THE SR HAS BEEN RAISED THAT I HAVE TO VISIT THE BRANCH FOR MAKING A PAYMENT & NOT FOR RECEIVING THE DOCUMENTS BY COURIER IN 8 DAYS
This is height of every thing. I don't know what to do? Please help me get my house papers back. I ma mentally getting disturbed by the calls being made by the bank every day. I wish they don't land up again to throw my family out to recover something which was NEVER DUE….
PLEASE HELP ME or tell me whom should I approach to get a helping hand & get saved by these troubles.
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Thanks & Regards
Vikas Gupta
Mo: [protected]
Credit Card No: [protected]
I had received a call from Global Credit Services for ICICI Credit card payment on 13.04.09 and after that a person came to me and collected my cheque and told same will be clreared very soon on 15.04.09,
My Due date was 26.04.09 to clear my payment in credit card, but is was not done by them and till the date it was pending, further to this to clear my Credit payment i went to my near by ICICI bank and deposited case payment against my Credit Payment on 24.04.09 and I had cancelled my cheque against my Credit Card Payment,
I had not been no reponse from Global Credit Service center which deals Credit work for ICICI bank and for this I had a call at ICICI call center to get details about the Global Credit Service center they are just shifting their responsibilities to someone else which is highly annoying and frustrating, they told me
to contact Sandeep Ganguly[protected] which i never get connected to. Please solve the problem at the earliest and acknowledge me the same.
Regards
Lokraj