ICICI Bank Complaints & Reviews

Re : Housing Loan a/c No. LBNAG[protected]

I have taken one home loan for rs.6, 23, 040 from ICICI Bank, Nagpur for 180 months (15 years) @ 9.50% interest rate and after that they have increased rate of interest. Today I received one SMS to my mobile No. [protected] stating that your rate of interest is reduced by 0.50% from Jan. 2009. Revised rate is 13% and term is 302 months.

In this connection I would like to inform you that I have taken loan for 15 years (180 months) and not 302 months. but they were increased rate of interest and also the term which I am not understanding. I have taken only rs.6, 23, 040 and my present monthly instalment is Rs.6883/- per month and if I pay this amont for 302 months the total amount comes to morethan 20 lakhs. How it is possible. I request your replay at the earliest.

Regards,

Mohankumar.L
mobile No: [protected]

Dear Concerned

Ref Ref SR88933586 i have applied for DDA(APPLICATION NO#0379724) via DDA Registration Money Financing Scheme however after rigorous follow up with ICICI BANK Officials i came to know that i need to get in touch with DDA Authority if the same is not enrolled on the website, Moreover i received a call from Regional Sales Manager Mr. K. Abir of ICICI BANK stating that they have already deposited the application to DDA. i tried to make him understand that how can it possible that you have deposited the Application and same is not registered and enrolled on DDA site wherein i have already checked on the site and it was very clearly reflecting as "NO RECORD FOUND".and also we believe what we see as a verdict.

Now i think this is just like washing their hands when there is some fault from there or DDA Authority end. However if these people would have registered then why it was not enrolled, secondly it seems that these guys are pretending and are not transparent while resolving customer querry and are imposing all the faults on the customer head that we have to get in touch with DDA for clarification. Moreover as a matter of ethics we have depsoited the application to there bank as finance and not to DDA wherein these people have taken the sole charge & responsibility for depositing it to DDA on our behalf and get the same enrolled to DDA. This been more than 2 months that these guys are giving excuses and pretending just like government offices and babus... My only queery iwas why my DDA APPLICATION is not registered on it ?and if so why my interest amount is not returned to me if it is not registered.

Also need to understand what does it mean"Customers to go to DDA and clarify" well was there any intimation send to usby them? Answer is no and this is what we get to know from DDA site wherein it was very clearly mentioned that in case there is any mismatch then we need to take the clarification from bank authority itself.What about people who do not have internet access at all? How they will get the information. Thinking logically finally its the customer who is looser and sufferer. For charging Interest amount of 5990 rs# for Registration money.Was that not there responsibility to intimate the customer about the same if the Application is not enrolled or send to DDA .

Secondly when they have not send the application to DDA then there is no question of taking interest amount for which they have not provided the loan, since application was not send to DDA and the entire money is in there pocket ie 150000 registration amount is not given to DDA against that application. Moreover when we are paying interest amount in advance for Financing of registration money its there reponsibility to submit the same to DDA and DDA should have enroll in it for draw its not my fault to interact with DDA Authority and if so then you should better not take the responsibility to deposit the application on our behalf.Also in future its better to deposit the same directly to DDA Authority wherein atleast we will be assured that my application will processed and enrolled.

Surprisingly it was not even send to DDA for enrollment and no further intimation has been send & as result of which all my dreams shattered and i loose the trust which i have been assured while applying for Financing with ICICI BANK by there executive that we will receive the intimation about the same. Is this type of services and resolution we are seeking from such a big private bank? Sorry to say but i cant expect this type of resolution from such a big bank with no work seems like washing their hands when there is something rediculous from there end.

Request you to please intervene into the matter and take some legal steps against these culprits and as a matter of ethics i would only request that atleast i receive the compensation amount against these careless acts which is not justifiable because i strongly belives the laws and constitution of my country.

Regards
MANASVI SAMVEDI
NEW DELHI

Respected Sir,

I am Digvijay Nath Mishra. I applied for a loan in ICICI Bank, SHAHIBAD Branch at 15.5% rate of interest and 60 month of tenor period. And, I received documents from ICICI Bank showing rate of interest 20.25% & 48 Month of tenor period. Same I discussed to Mr. Ankur Singh, Loan Department, ICICI Bank, SHAHIBAD. Mr. Ankur Singh agreed to close my Loan account. Same day I filled a form to close my loan account, according to instruction given by Him. Mr. Ankur Singh promised me "your loan account will be closed within a week".

I shocked by a SMS from "ICICI HFC" received on Dated 4th Nov 10:54 AM that "EMI for Rs 15282.00 towards your Loan A-c LPDEL[protected] will be presented for clearing on the 05th of every month. Pls ensure you a-c is funded adequately”. I presented the same to Mr. Ankur Singh, ICICI Bank. He said you Deducted amount will be revert back, closing process is on progress,



Sir, Now ICICI bank has deducted three EMI of Indian Rupees 15282.00 in NOV-2008, DEC 2008 and JAN 2009 from my saving account.



ICICI Bank Executive & Customer Care is not taking my problem seriously. My humble requests to you please look in this matter and solve my problem.



Kind Regards

Digvijay Nath Mishra

Date on Birth: 1st Nov 1978.

ICICI Bank Loan Account No: LPDEL[protected]

i have credit card no. [protected] and paying within time limit whatever was dues. but without my permission they made my payment in installment and after all last payment i made full as per my bill. but the next bill i found with late fee 600/- and installment of 400/- with other charges. meanwhile i make payment to TATASKY for rs 1000/- and they make total bill around 2800/-. when i try to discussed with helpline they didnt respond. now still they sending me bill of regularly and taday i received bill for rs. 8048.47. when i was suppose to pay rs 1000/- only.

The payment for EMI has been ALREADY MADE from ACCOUNT NUMBER 12151 of CENTRAL BANK OF INDIA, BRANCH-FEROZEPUR CANTT, PUNJAB on DECEMBER 5, 2008. The transaction amount was Rs. 3151. I have been continuously receiving calls from your Delhi office that the payment has not been made and they have been sending their recovery agents at my place without any cause. The DETAILED STATEMENT carrying Payment Details have been TWICE provided to the different recovery agents sent by your bank. Please RE-CORRECT your Management Information System/Person Concerned about the payment which has already been made for the Personal Loan Account number LPFER[protected] and take the suitable action regarding the above stated problem.

I am having Salary account in Noida Sec61 branch. I tried

withdrawing money from my debit card from other bank ATM ( Punjab national Bank ATM at MIG

Flats Market, Rajouri Garden, New Delhi -110027)on 5th Dec, 2008

First I tried withdrawing Rs 8000/- Money didn't come nor did ATM slip but transaction

timed out message dispayed on ATM machine
I again tried withdrwaing Rd 8000 but same thing happened.

Immediatley after that I recievd two SMS( at 11hrs 43 min 32 sec & 11 hrs 45 min 13 sec)
on my mobile that each mentioning that Rs 8000 has been debited from myaccount . On

checking my account statement online, i verified the sane, and logged comliant with ICICI

SR 88545774 on 5th dec 2008 and i was assured that request will be procesed in 8 working

days. Again i followed up and this time on 18th Dec 2008 i recived mesage that " We have

initated a chargeback process on paying bak for Rs 5000" requesting me to wait for 12 more

days. I followed up with cistomer care and they said that SMS of Rs 5000 ( instead of Rs

16000) was sent by mistake and siad that it would max be done by Jan 03 2009. I logged a

call again on 07 Jan 2009 SR 92288441 but still nothing has been done
Its been more than a month that my Rs 16000 is stick up
Kindly arrange to get it released with confirmation to me immediately as I can't affoerd

further delay

I had a ICICI Gold Credit Card and after using it for some months, I plan to close the card. During that time I had a balance which I couldn't pay fully and visited the Bank and they negotiated the amount and given the "letter of settlement" with some reduced amount. I then paid and got the reciept and this happened on 31 Mar 2008.

From the next month itself, I got the reminder through email / SMS saying the balance amount to be paid. I called the customer care and they said it is automatic for 3 months after that it will stop. Even I still got it till today, and on October 29, 2008 they simply deducted the balance amount of Rs.5765 from my savings account and didn't inform me via any kind of communication. After massive follow-ups with emails and phone calls, they returned the amount completely after 2.5 months and I still getting the payment reminder phone calls / SMS even though the Bank said the Account was zeriosed.

Really ICICI Bank is cheating even you think you settled the Credit Card as their software is a CORRUPT one as well as their customer service meaning no body of them know who is currently handling any of the request as they only know the status of an issue.

Worst bank to deal with is ICICI Bank.

Sir,

I was having ICICI bank credit card. My card number is 4477-XXXX-XXXX-4005. I got a call from ICICI bank regarding the transaction which is held against my card on 17th Sept 2008. These were 3 air tickets booking. It was not done by me so I told him to block my card immediately and I have asked him what I have to do now? So he told me that, sir don’t worry I will put your request for dispute. So he raised the dispute request (SR[protected] for these 3 transactions and bank received the money back for third transaction.

I have also put the request in Samta Nagar Police station for the same. But still there is no result.

And I am also receiving the statements from the ICICI bank for the payment of these transactions.

I need your help and guidance what I have to do now, because I have not done these transactions and bank is forcefully asked the payment of these transactions. This incident is affecting my personal life.Sir I am in big tension since last three and half month.

I have also forwarded the booking details to ICICI Bank that i have received from travelguru.com, but still there is no response from the bank.

Booking id. number -633673
Airline:-Jet Airways
Sector:- Jaipur to Bombay
Date:- Sep 17, 2008
Passenger name:- rm Thakur
Passenger Mobile Number:[protected]
Email id: [protected]@hotmail.com
Total amountCharged:6715/-

Booking id. number -633648
Airline:Jet Airways
Sector Bombay to Chennai
Date:- Sep 17, 2008
Passenger name:- Farib Shaikh & Mr. Amash Patel
Passenger Mobile Number:[protected]
Email id: [protected]@hotmail.com
Total amountCharged:14588/-

I also want to request to ICICI bank to catch the person who did these transaction and who travelled using these air ticket. And also provide the more security to online transaction for every credit card like the other banks provide, so that this type of fraud never happens in the future.

Thanks
Amit

I am really scared with this. On wensday I hava called from Bhandarkar rd branch, Pune ragarding collection of pay order. Wen I reached to the bank, they (MS. Poonam) told me. Your pay order haven't received yet. Huh!!!.

This is second time I am writing complaint against branch, still not have positive feedback from these guys. Even if you guys doesn't make any sense for complaint, Do I need file the case against branch in court on coming sat OR go to Media.

What the careless these guys are!!!

I am having credit card no.[protected]. I surprising to see the credit card statements for the last two months that I am dropping the cheque to your ICICI ATM, but it is going to clear only after 10 to 13 days, in meanwhile my minimum amount due date also passes. Finally, it will attract late fee charges & interest charges and also loosing interest free period. I want to know why it is much delaying on clearing the cheques (normally it is going to be clear within 1 or 2 working days), the same was already brought to notice to your call centre executives. But, till now I have not received any clarification on this issue.

Being one of the private largest bank, i opted for your credit card. It will be appreciated take up this matter as urgent so that I can remitt the part payment immediately and request you to waiver of late fee charges and interest calculation etc.,

Thnx

With Regards,

Venkata Nageshkrishna S V

I was holding a EMI card which I never used. According ICICI EMI card, a transaction around 8000/- Rs had been done on the card. When I received first statement, I cancel the cards and asked company to investigate the issue. Company has sent me the xerox copy of the transaction and asks me pay the bill. I requested company to instigate the issue sincerely as I had not done the transaction. So instead of investigating and finding out the root cause company has keep me sending bill which 16000 Rs. then after they had reduce it approximately 13000/- From last month recovery agent is call me now and then and asking me to pay the bill. They are testing me potions. Today, what I decided is to go on consumer court and file a complain.

PUNE DISTRICT
District Consumer Disputes Redressal Forum
692, Pushpa Heights
Bibewadi
Pune 411037

Telephone No.:[protected]Registrar),[protected]Office)

I am requesting everyone to provide me more details on which forum can I raise this issue to fight against this injustice. Suggest me what action, precaution should I take?
What is legal procedure to dill with it?

I hope everyone would like to support for such injustices. Best way to contain me is [protected]@gmail.com

sir,
this is to inform you that i have not received the last monthly statement and so will be charged the late payment fees. if you would take the care of going through my past payment records you will find that i clear my dues in full every month. it may be reffered in this regard that i was charged late payment fees couple of months ago in spite of my payment on the last date.
i do not have the time to pursue such irregularities, but i will manage a time to convey my intent of discontinuation of my card if the above mentioned irregularities are not rectified within this week. you must be knowing that i am working in RBI, and if i want i can seriously give the complaints a grave colour.
pl communicate your steps over my cell no.[protected],[protected] positively within this week or else i'll cancel my card.
suparna sen.
07/01/2009.

My Card No. [protected]. to apeare this month statement 28/12/2008 Balance converted in to EMI Rs. 41, 724.40/-. without my knowledge. I dont like this EMI scheme. I will pay to direct your branch. So, Pls stop the ECS system pament permenently. I will take necessary leacal action to your bank.

Thanks
M.Ravikumar.

My card No. [protected] ( Platinum ) Credit limit 1 lakh . every month minimum amounts going ECS in my savings account. Now this month statement balance Rs. 99, 754.45. with overlimit charge Rs.500/- how to possible this.

1. I dont want the Ecs System. I will pay to direct your branch. so pls stop the ECS SYSTEM for my account.


thanks
M.Ravikumar.

Sir,

I want to close my account which is at Bangalore branch (A/C no[protected] and pune branch (A/C no[protected], since I am in US and not able to use this accounts,
But they are asking me to come back to india and go to particular banks to close the accounts, This is very costly for me to come over there for closing the accounts,
And they are increasing my negative balance for both my accounts without informing me.

Dear Sir,

My ICICI bank credit card no. [protected] full and final settlement was done by ICICI bank vide their letter no. 1015 / 05 / 08 / 08/ N dtd. 28th May 2008 through their collection agency: Lasertron Enterprises Services Pvt. Ltd. and payment of Rs. 35, 000/- was paid in cash as agreed to by the bank vide receipt no. C/[protected] dtd. 28th May 2008, Branch: Santacruz (West), Collector : Mr. Ramesh Kumar

On 6th Jan. 2009, I have received summons from The Court of Metropolitan Magistrate 16th Court, Ballard Pier, Mumbai to appear in the court 10th March 2009 (case no.1653/ SS / 08), dtd. 18th Sept. 2008.

I fail to understand that since full and final settlement was done by the bank and me on 28th May 2008, as to why the legal summons are served to me.

Your immediate response / reply will be highly appreciated.

Regards
Capt Vireshwar Jamwal

I went to ATM machine for geting the money unfortunetly I pressed wrong my pin no so my password
is not working

Sir,

I need your help.

When I got my credit card from icici bank a executive name ramesh his number [protected] called me and told that to activate my credit and i need to have a health policy.I have refuse to have policy then again he called and told that as of now you accept the policy later he will cancel the policy with out any premium or charge.
now in my credit card statement they are showing icici lombard premium and interest.They havent cancel my policy.day by day they are charging late fee and interest to me.when i spoken to icici lombard they are telling they have phone recording that i accept the policy(earlier i was told by ramesh that he will cancel with out any charge so i acept).when i asked them to cancel the policy they are charging heavy amount for cacelation charge.

When i spoke to icici credit card customer service 42080888 he told he cant do any thing.Sir i have not got my policy till now and i dont need it. Earlier also i told the same thing to them but no one is listening to me.

Sir please help me out.Other wise they are charging me interst for not paying amount.Sir how i can pay amount with out with out any purchase of policy

looking forward for youy help.

Regards,
Manish
[protected]

Dear Sir,
Please refer Email of Thiru Abdul Mubeen-Emails cc-Hyd, Customer Service Officer dated 05.01.09 at 8.59 AM.
As requested by Customer Service Officer Thiru Abdul Mubeen, I have contacted Thiru Hari Kumar.G the official of ICICI bank Ltd., Trichy through his Mobile No [protected] today (05.01.09) at 5.22 PM & asked him about the ELBEE Courier vide awb no[protected] for further dispatch of my cover. He told me that the letter regarding PIN Password received from the ICICI Bank Ltd., Mumbai has been dispatched to my mailing address on 24.12.08 itself through French Express Courier vide POD No 739462. & he directed me to contact Thiru C.Prakash Senior Manager of French Express through his mobile Number [protected] for further details of my cover.

When I contacted Thiru C.Prakash Senior Manager French Express Courier of Trichy through his mobile, he spoken harshly without humanitarian mentality. He told that the Cover may be dispatched to other customer instead of you by mistake. Our people may search & collect it from someone & hand it over to you. This mistake is common. Regarding the 17 days delay of the letter dispatch, he stated that the delay in dispatch the letter to the customer is a common one & you did not questioned in this regard.
All the conversations between me & Thiru Prakash the Senior Manager of French Express Courier of Trichy has been recorded by me through my mobile & the same has enclosed herewith as attachment for your kind perusal.

The Conversations are in Tamil Language. Hence I request you please arrange to understand the conversations through Tamil Agent of your office and take action against the Courier concerned for the delay in dispatch of my letter to me. I have received my letter from the said courier at 9 PM today on 05.01.09 after the lapse of 12 days (from the date of delivery to French Express Courier on 24.12.08 POD No S00739462 by the officials of ICICI Bank at Trichy) with the help of Thiru Abdul Mubeen Customer Service Officer of your office who directed me through Email for how to find my cover.
Hence I expressed a lot of thanks to Thiru Abdul Mubeen Customer Care Officer, Thiru Hari Kumar, & Thiru Thiagarajan officials of Trichy ICICI Bank Ltd., who help me to trace out the letter containing PIN PWD & obtained the same today (05.01.09) itself after the lapse of 17 days.

I also wish to inform that after receiving the PIN Password from the ICICI Bank through French Express Courier on 05.01.09 I have remitted a sum of Rs11201.65 towards the Amount Due for the Statement Date 20.12.08 for my credit card successfully vide Confirmation Number [protected]/05.01.09. This is also for your kind information and for necessary action.
Sincerely Yours,
Lion B.Rajendran, M.A.,

SUB : COMPLAINT REGARDING HOME LOAN ACCOUNT NOT UPDATED EVEN AFTER GIVING ALL PROOFS ASKED FOR IN THE LAST 14 MONTHS AND HARRASSMENT FOR PUTTING THE CUSTOMER IN CIBIL ACCOUNT AS A LOAN DEFAULTER FOR LOAN A/C NO: LBPUN[protected]

1. I HAVE PAID MY INSTALMENT OF JUNE 2007 THE PDC GIVEN FOR THE SAME WAS BOUNCED AND I WAS REQUESTED / FORCED BY ICICI CALL CENTRE TO PAY IN CASH THROUGH ICICI FRANCHISEE ON PHONE ON 22 ND JUNE 2007.

2. THE ICICI AUTHORISED PERSON Mr. ATUL ( SURNAME NOT DISCLOSED ) CAME TO MY HOUSE WHO WAS MADE TO TALK THE ICICI EXECUTIVE ON CALL CENTRE PHONE. SHE VERIFIED THE PERSON AND TOLD ME TO CHECK THE I CARD WHICH WAS CHECKED BY ME PERSONALLY. THE AMOUNT WAS HANDED OVER TO HIM RS. 16168/= GIVEN ON 23 RD JUNE 2007.

3. A DUE RECEIPT WAS PRESENTED TO ME WHICH I CHECKED AGAIN BY SHOWING TO ICICI HOUSING BRANCH AT CHINCHWAD.THEY TOLD ME THAT THE RECEIPT IS CORRECT AND THE AMOUNT WILL CREDITED ON MY HOME LOAN ACCOUNT WITHIN 7 DAYS. THIS HAPPENED ON 28 TH JUNE 2007.

4. IN THE NEXT MONTH 17 TH JULY 2007, MR. NILESH ( SURNAME NOT DISCLOSED ) FROM ICICI CONTACTED ME ON PHONE AND SAID THAT ICICI HAS NOT RECEIVED MY PAYMENT FOR JUNE 2007. HE CAME PERSONALLY TO TAKE THE AMOUNT IN CASH BUT WHEN RECEIPT FOR JUNE 2007 WAS SHOWN, HE WENT BACK.

5. SINCE THEN I HAVE PERSONALLY VISITED CHINCHWAD HOME LOAN BRANCH RECOVERY MANAGER MR. SAMADHAN PASHANKAR (MOBILE [protected]) AND SUBMITTED THE XEROX COPY OF THE RECEIPT, 6 TIMES ( TO MR. PASHANKAR AND HIS SUBORDINATES MR. SIBASIS MOBILE NO [protected] )AND TO MRS. BIWALKAR WITH MOBILE NO [protected] AND MR. MOHIT KUMAR PHONE NO.[protected] OF SHIVAJINAGAR BRANCH 3 TIMES (DURING 1 ST JULY 2007 TO 10 TH JAN 2008 ) AND TO ONCE TO NASREEN KARAJAGI ON 13 TH MARCH 2008. EVERY ONE TOOK THE XEROX COPY OF THE RECEIPT AND TOLD ME THAT YOUR ACCOUNT WILL BE UPDATED IN NEXT 3 DAYS. BUT NOTHING HAPPENED.

6. ULTIMATELY I GAVE COMPLAINT TO COLLECTION MANAGER MRS. BIWALKAR AT SHIVAJINAGAR BRANCH ON 21 ST FEB 2007 AND MR. NEERAJ KARVE ( PHONE[protected]OF RECOVERY SECTION ON 28 TH FEB 2007 BOTH PERSONS ASSURED ME THAT WITHIN 3 DAYS THE MATTER WILL BE SORTED OUT AND INTIMATE ME IN WRITING. MRS.BIWALKAR ALSO PRETENDED AS IF SHE IS SENDING ME A LETTER THAT IT IS A MISTAKE OF BANK THAT THEY HAVE NOT CREDITED MY ACCOUNT BY MISTAKE AND IT WILL BE CORRECTED IN NEXT 3 DAYS. SHE TOOK MY E-MAMIL ADDRESS AND PRETENDED AS IF SHE HAS SENT ME A LETTER ACCORDINGLY. BUT I FOUND THAT SHE HAD NOT SENT ME ANY LETTER LIKE THAT. THIS IS A CLEAR CASE OF CHEATING TO SAVE ONE’S FACE ONLY FOR THE DAY.

7. MRS BIWALKAR NEVER CAME BACK EVEN AFTER CONTACTING HER FOR TWO TO THREE TIMES ON HER MOBILE NUMBER WHICH WAS GIVEN TO ME AS IN NEXT 30 DAYS ( 21 ST FEB 2008 )SHE SHOWED NO COURTESY TO EVEN INTIMATE IN WRITING.ON 29 TH MARCH 2008 WHEN I CONTACTED HER, SHE TOLD ME TO CONTACT MR. SAMEER PADDHEY WITH MOBILE NO ( HEAD COLLECTION WHO IS HER BOSS. AFTER 4 DAYS I HAVE LEARNT THAT MRS. BIWALKAR HAS LEFT ICICI SERVICE.

8. WHEN MR. SAMEER PADDHEY WAS CONTACTED AGAIN, HE HEARD THE STORY AND REPLIED THAT SINCE HE IS HEARING ABOUT THE CASE FOR THE 1 ST TIME HE WILL TAKE SOME TIME TO COME BACK. AT LEAST 2 TO 3 DAYS. BUT HE PHONED ME AFTER 10 MINUTES & TOLD THAT THE PERSON MR. ATUL WHOM THE MONEY WAS GIVEN IS FROM THE FRANCHISEE OF ICICI AND IS ABSCONDING BY TAKING THE MONEY IN CASH. HE ALSO MENTIONED THAT HE HAS FOOLED SIX TO EIGHT MORE PERSONS IN THE SIMILAR WAY BUT DID NOT TELL ME THE OTHER DETAILS OF THE FRANCHISEE. HE MENTIONED THAT MY RECEIPT NO AND RECEIPT IS GENUINE AND THE EFFORTS ARE BEING MADE TO FIND HIS WHEREABOUTS.

( I RECEIVED THIS ANSWER AFTER 8 TO 9 MONTHS AFTER
CONSTANT FOLLOW UP )


9. WITH THIS EFFICIENCY IF BANK LIKE ICICI WORKS AND GETS REWARDS FOR THEIR WORKING THEN IT SHOW THAT OUR SYSTEM OF AWARDS IS ALSO BOGUS.

10. PLEASE STOP GETTING AND ADVERTISING FOR THE REWARDS AND START WORKING FOR THE CUSTOMERS.

11. MY DETAILS ARE AS UNDER : -


12. HOME LOAN A/C NO - LBPUN[protected]


13. NAME - PRAKASH DINKAR BHENDE


14. ICICI RECEIPT NO - L[protected] FOR THE CASH PAYMENT OF 16168 /= RS GIVEN ON 23 JUNE 2007 WHICH IS NOT INCORPORATED IN THE ACCOUNTS STATEMENT EVEN AFTER 14 MONTHS.

15. I ALSO UNDERSTAND ON 23 RD MARCH THAT THE PDC'S GIVEN BY ME ON 3/03/2008 BY RECEIPT NO. O[protected] ( CHEQUES NO 653761 TO 72 OF SARASWAT BANK ) ARE STILL NOT SUBMITTED BY ICICI TILL 31 ST MARCH 2008 TO MY BANK .

16. AFTER ENQUIRY NO ANSWER WAS GIVEN BUT ONLY DETAILS WERE ASKED AND IT WAS TOLD THAT THE CHEQUES ARE STILL LYING WITH ICICI BRANCH AT CHINCHWAD AS ON 31 ST MARCH 2008.

17. HATS OFF. PLEASE SEE WHETHER YOU CAN LOOK INTO THE MATTER AND RECTIFY THE WORKING OF THE BANK AS THE BANK AS WELL AS THE CHAIRMAN OF THE BANK HAVE ALREADY GOT THE BEST SERVICE AWARD FOR BANKING AND THE BEST CORPORATE GOVERNANCE AWARD RESPECTIVELY.

18. 13 TH TIME COMPLAINT FORWARDED TO ICICI CALL CENTRE WITH ALL DETAILS ON JULY 10 TH 2008.