ICICI Bank Complaints & Reviews

i am sending my details
name of pradeep kumar sharma
bond holder name :-kiran sharma

certificate no :-2001
no of bonds 2
distnctive no :[protected]

bond holder no:[protected]


name of kiran sharma
bond holder name :-pradeep kumar sharma

certificate no :-2002
no of bonds 2
distnctive no :[protected]

bond holder no:[protected]

till date i am not receive refund from ICICI BANK

Myself HEMA KOPPAKA is a holder of Money Multiplier Bond -0799-MMB Option II having one bond purchased on 25.08.1999 and maturing on 25.07.2018. Please give status of the same as on date.
Particulars : Bondholder No. 6106-337 Certificate No.332
Distinctive No. 421

Myself Srinivasulu is a holder of Money Multiplier Bond - 0799 - MMB Otion II having purchased 25.8.1999
Certificate no: 2477
Bond holder no: 6148-592

Pl let me know the way to encash the same .

Myself Naveen Reddy is a holder of Money Multiplier Bond -0799-MMB having 12 bonds purchased in 1999. Please guide us for encashment.
Certificate No.1642 to 1651 and 2679, 2680.
Mail-id [protected]@gmail.com

ICICI Credit Card — Wrong Transactions

Hello
I moved to bangalore 7 months ago from Hyderabad. I was using ICICI credit card. When i was in bangalore there were three transactions done on my credit card in hyderabad even though the credit card was with me( in banaglore). when i complained to ICICI and faxed the needed docs. they took 60 days to investigate and finally put the three transaction amount to me saying i authorised the transactions, which is very irritating and absolutely no logic.. I am shocked at this. I didn't even receive any call from ICICI during the investigation nor any docs
Kindly help me resolve this issue..

Dear Amarsimha,

We are sorry to hear about your experience.

Please write to us with your contact details and credit card number at [protected]@icicibank.com (Subject line: UID 309289). We'll contact you and work to address your issue.

Regards,
ICICI Customer Service Team.

My credit card no.[protected]

I am in receipt of your statement dated 25/02/2010, and I am shocked to find that the amount of Rs.1706/- debited towards purchases from M/s. Adyar Anandha Bhanvan under reference 75473440316000012923964 on 11/11/2010. Please note this amount you have already charged in your statement dated 25/11/2010 under the same reference number and the same was paid by me within the due

ICICI BANK IS A CHEATER BANK also its all associates

pls email my statement .sarabjit kaur 382 adarsh nagar, jallandar, panjab

ICICI Bank is chor bank, i hv also take loan from them. I am sure i will not be their customer in future..

ICICI Bank's Unfair Home Loan Floating Rate Policy
http://www.petitiononline.com/bagla27/petition.html

ICICI Bank's Unfair Home Loan Floating Rate Policy
http://www.petitiononline.com/bagla27/petition.html

Join ICICI Home Loan Customers http://finance.groups.yahoo.com/group/ICICIHomeLoanCustomers/

Join ICICI Home Loan Customers http://finance.groups.yahoo.com/group/ICICIHomeLoanCustomers/

f you are paying since 2006 pls check the balance tenure, that wont be less than the original tenure which you availed mince you lost all the money which you paid to the bank as EMI and now your tenure also increased and the loan outstanding also the same. In such case you have to shift your loan to the another bank. You may call at [protected] I can help you to save your money.

- Rajesh

ICICI Bank — home loan with high interest rate

RESPECTED SIR,
I AM FEROZ AZIZ KHAN .AGREEMENT NO LBAMI[protected]. APPLICATION NO.[protected]. TENURE 180 MONTHS.LOAN RECEIVED IS 4 LAKHS ONLY FOR HOME .
SR MY COMPLIANTS AND NEED A HELP TO PLEASE REDUCE THE R O I .
AS UR MARKETING PEOPLE HAD ASSURED ME OF 8% WITH THE FLOATING AND VARIANCE WILL BE 2.25% SO WHY NOW THEY CAN CHARGE ME 14.5% SIR I REQUET U TO PLEASE DO THE NEEDFUL TO ME BY REDUCING AS COMMITMENT OR PUISH THE FIELD STAFF OFM PRESENT LIKE COLLECTOR ID CARD NO 17377. WHO IS NOT HELPING ME BY GUIDANCE BUT JUST GIVING ME INFORMATION BY WHICH NOWADAYS I AM OING IN DEPRESSION OR CAN HAVE THE HEART ATTACKS OR FACE SOME ACCIDENTS. I NEED ONLY I CAN GIVE THE PENDING AMOUNT O[censored]RS IN TWO YEARS REQUEST TO PLEASE REDUCE THE RATE OF INTEREST. I WILL BE VERY THANKFUL TO U.MY EMAIL ID IS [protected]@yahoo.com SIR PLS MAIL ME BY HELPING ME AND GUIDING TO COME OUT FROM THIS SO LONG TENURE OF 273 MONTHS PLEASE.

harvinder kaur cust id-4992916
had lost my card despite of severl complaints have not recived new card [protected]

ICICI VBP — ICICI VBP phone bills

Dear Sir/Madam,

I have cancelled my ICICI credit card without even used for a single time. But i've been getting SMS stating that ICICI VBP will pay my phone bills. I can pay my bills, so it would be better if you inactivate my account as soon as possible.
my number [protected]

Hi,
I am Praveen, not getting my PostPaid bills at my billing Address.Regarding this i have raised issue so many times and also called so many times to Customer care for this they are giving(Courrier Service) bills without confirming my number and giving anothert number which is not working when i contact with customer care and taken that number, kindly attention regarding this

Thanks
Praveen
[protected].
AP.

The same thing happened with me. ICICI did not inform me about the charges. When I inquired, they say they they had sent a SMS informing about the charges. But I did not receive any such SMS from ICICI.

I think if they wish to charge for the service, the customer should be informed in advance and his consent has to be obtained for continuing the service.

They must inform and take consent of customer if their offer and actual differs.

I used to get my utility bills paid by the VCisa Bill Pay Service. With the introduction of a yearly fees, I decided to discontinue with this service. Calls to customer care are simply a waste of time. You cannot get through their automated system. I mailed a letter to them asking them to discontinue this service for me but no action has been taken. I continue to get alerts that the telephone bill will be paid by them. How do I make them DISCONTINUE the arrangement?

In disgust

Hi,
Last month I had registered my MSEB Bill Towards Visa Bill Pay, but no Alert message Came from your side, So look in to this matter immediately.Awaiting for your quick response.

same happened with me today...but the problem is i was well informed by them that this service is now a paid service.They had mentioned this thing alongwith the account statements that i get.But i think its a kind of fraud that they are doing.Even i was told that i will be getting cash back if i opt for this service which i have never got.M gonna cancel this card right now.ICICI sucks

I was also informed by ICICI credit card department that Visa Bill Pay service is free of cost and after 3 months they have charged me BILL PAY ANNUAL FEE of Rs 175/= (100+75) exclusive of service tax

On March 14th, 2009, I receivved a message from you that there is inssufificientr credit limit on my account. to pay a bill from Mahanagar Gas for Rs. 200/-

The statement which is on the computer right now shows that my last statement dated today, March 14th, 2009, Ihad a credit limit of Rs. 58, 000/- less Rs. 5, 599.52 to be paid. This leaves a total amount of Rs. 57, 440.48 in credit limnit unutilised. .

Either yuou have some funny people working for you who seem to have added another Rs. 50, 000/- to the amount due from me or they do not know the work.

If you do this once more, I will close all my dealings with you.

.

SAME HERE WITHOUT MENTIONING EARLIER THEY CHARGED ME ALSO (175+SERVICE TAX) I AM ALSO TRYING TO MAKE MY ALL THE SERVICES LINKED TO ICICI DEAD.

I want to stop the Max New York Life Insurance payment from now onwards.

Even after several communication it doesn't seems that you have any attention on your customers
i would like to stop ICICI VBP services immidiately this service is started without my permission and iam paying the bills from last 1 year un necessarily even that telephone no .is not mine .

its my kind request to stop the service immidiately

Atul Kulkarni.

i want to delete my icicivbp from my credit card, i dont wont to pay my ele. bill throuth icicivbp.

Hi,

I have noticed that ICICI VBP is charging my credit card for the bill pay services.I was told when I started this service that it is a FREE service, then how come ICICI start charging for the service without informing the customer?? This is a case of cheating with the customer and can be brought to the notice of Consumer Forum.Audience please agree or agree.

Requesting you to please stop this service immediately.My mobile number is [protected]

i have icicivbp for my M T N L phone no[protected]. I recd a msg from ICICIVBP on 31jul09 at 1724hrs
that i do not have sufficient credit limit on my credit card. It seems you are joking, i have too much credit limit on my card, you can chk better. It seems your system is not properly working. you better modify your system with well educated persons to operate system.pl clarify my complaint soon.

paresh mahajan [protected]

Enrolled for icici visa bill pay service for my cellular phone bil payment. having an Idea connection. The last bill generated and due on 5.02.2010 is still showing unpaid and not recd. any mesage for receipt of bill nor for the payment from ICICI Value bill pay services. Kindly veryfy the status and inform me immediately.

u failed to make the payment of my mobile bill (No. [protected]) due on 3rd Sept 2011, the vodafone charged delay payment. Again this month u failed to make the payment from my a/c. I want to discontinue your service with immediate effect. Pl do the needful.
Ajai Kumar Khanna
[protected]

Sub : Emi arrear

Dear Sir,
This has reference to Agreement No. LVCAL [protected] wherein I had taken a loan from your bank for purchase of vehicle ( Tata 407 Turbo; Registration no. WB41C 4395 ).
Due to certain unavoidable circumstances I was not able to make payment of EMI amounting Rs. 28, 014 ( payable @ Rs 14, 007 / monthly ).However, after having received your letter in the month of November in respect of my outstanding, I was about to regularize my account; when I was taken aback by your collection executive who informed that a further payment of Rs 5, 000 approx needs to be paid towards clearance of O.D. charges.
On such event, he was requested to produce a detailed statement of my account and discounting of the O.D. charges before any further payments, for which I was promptly promised, after a telephony conversation with his “senior”. But till date, neither the statement was handed over nor any news regarding waiver / discounting of charges.
Further, on the 8th of December ’08. with no prior intimation, the Vehicle was forcefully taken into possession from the middle of the road; by some agency who showed no proof but claimed to be working for your bank.
Sir, I had no intension to play foul by any means, nor did I want to hamper my pleasant association with your bank either not atleast for mere Rs 28, 014. All that was asked for was a simple statement and petty discount. Your men did not perform, they were at fault and now I am harassed made to bare all rot.
Non the less, even now that I am ready to clear my dues at one go and regularize my account. I am further imposed with Possession changes, Godown changes, Valuation changes, O.D. changes, Cheque Bounce changes, and an advance 3 months Emi and other unaccounted changes….all totaling approx Rs.1, 30, 000/-.
I believe, the above mentioned clearly surpasses the power and rights given by me under the aforesaid Agreement.
As I abridge, I wish to inform and confirm your goodself, that as a valued customer I agree to pay all my outstanding Emi as on date, at one go ( Rs 14, 007 * 3 = Rs 42, 021) and shall clear my further Emi on the respective due dates. I shall bear no further charges whatsoever.
In view of the said circumstance I do fervently hope and trust that your good office would appreciate the hereinabove and allow release of the Asset.
Thanking you.

dear sir /madam

my name is kiran rohidas suryavanshi i am the employee of i solution my EMPcode :33345 i want to know the status of PF

plz kindly follow the requirest

regards
kiran r suryavanshi
([protected]/[protected])

Dear Sir

I had worked in ICICI BANK LTD. Delhi in commercial vehicle department. Please proviode the PF status as i have sent this form second time, almost two years have completed . But I didn't receive PF amt till date . i was sent this form second time through registered post with AD on 29/01/2009 and i got AD stamped by RPFC RPFO Kandivali West Mumbai on 05/02/2009. Earlier my form was returned back for some mistake.

Pls assist me..


Submiited to : RPFC, RPFO
Kandivali West Mumbai


PF No : MH/47808/3956

DOJ : 01/ Feb /2006
DOL : 19/ July /2007

Employee Name: Pinki Gupta
Employee Code : C04235
Mobile No. : + 91 [protected], [protected],[protected]

i had worked in icici bank yogesh kathuria as se hisar haryana time to time fill the pf form and and sended to delhi i process and one time self presented and fill the form but still i am waiting approximately 1 & half year my pf amount is not release so kindly credit my pf amount in my account and mentioned in account no is pf form a/c is [protected] sbi hisar and my employee id 31340 any time contact me [protected]

I also have the similar problem, i have takes loan from HSBC bakc arong 4 year ago at the 7.75% aftre the lot of ROI iteration from RBI it touches the upper limit 13.75%, Now probloem is this they peoples still are not ready to reduce the Home loan rate, There shold be an authority he suppose to review these kind of ir-regularity from the banks

i agree with you, i have same problem with HDFC. I think all these private banks have their own LAW over RBI rules and only people like us are always paying for it.

I don't understand why these banks are not reducing interest rates for existing customer and the interesting thing is that govt and RBI are also not taking any actions against these banks.

Thanks
Mayank Mishra

Hi,

Stop barrowing money from HDFC, ICICI & other private banks. They lend the money very easily and hence it is a trap. No wonder the above two banks have 50% of mortgage loans in India.

The definition of floating is very skewed with private banks. Since private finanacial institutes does not come under the purvue of the RBI, the customer is at their mercy. Ofcourse these private banks don't have a face. A private contractor comes to your office and we happily sign the papers praising how great their service is. In fact they are screwing you in all forms.

Best is move to Public sector banks at least their definition of floating is at-least attached to RBI even though the time lines of floating are not defined very clear.

Sri

Yes even I too agree, My loan tenure is increased from 20 years to 44 years without even informing me.
Also there are no signs of ICICI reducing the interest rate. If they are short of funds then its better to switch the loan to some other bank.

Worst bank I have ever seen.

Regards

Vishal

Govt is also sleeping . May be ICICI bank gives huge donations to all the political parties.
Lets all o[censored]s form a Borrower's union and stop paying EMIs to ICICI bank.

I think the government must seriously look at the non revision of interst rates by Private banks.I dont understand they are different from private money lenders if such is their atitude.I have been a loyal customer of ICICI for the lat more thatn 12 yrs and I am paying thur my nose for my loyalty.

People will start losing faith in the banking system and the monitioring agencies.The government must stop all factilites to such banks such as lending money thru repo or accepting money thru reverse repo.

I took home loan last year at 11.75% from Deutsche Postbank (earlier BHW, even earlier Birla Home Finance) and despite lowering of RBI repo rate several times in recent months, Deutsche Postbank is not ready to lower the interest rate. Once you took a loan from these "money sharks" you are stuck in uninvited trouble for the life. Home loan laws are different in India than what is in US. In US maximum you lose if you stop paying the loan is your house. But here that is not the case. Here just "surrendering" the property is not going to be the end of the story. The bank will declare you broke and that after a painful legal procedure.
To Vivek, yes it sounds like a good idea to form a borrowers union and fight with the banks either to lower the interest rates or to stop paying the EMI altogether.

IS RBI Sleeping here?? Can't they take any actions on this issue? If not, do we need to modify existing terms & conditions under which private banks operate in India?? These issue needs to be politicized only then we can see some outcome.

I have the loan from ICICI bank and raised the questions and written to them as under. Even you can collect all the data that i have searched for and put in here such as the detailed discription of rate hike and reduction by RBI and comparision of the same with ICICI. We all need to come together and fight with ICICI.

letter details:
The problem with ICICI Bank Home Loan Finance has come at this time of recession, wherein RBI has aggressively come out with series of rate cuts (as evident from hereunder) followed by other banks to the interest rate varying anywhere between 9.0% to 9.5%. Unfortunately I still have the highest interest rate of 11% revised from 12.50% with effect from 10/03/2009.

Changes in Repo rate (%) by RBI is given as hereunder.

December 2006 repo rate was 7.25
December 2007 repo rate was at 7.75
Changes in the year 2008 as under:
June 2008 increase by 75bps to 8.50
July 2008 increase by 50bps to 9.00
Oct 2008 decrease by 1.00bps to 8.00
Nov 2008 decrease by 50bps to 7.50
Dec 2008 to decrease by 1.00bps to 6.50
Jan 2009 decrease by 1.00bps to 5.50
Mar 2009 decrease by 50bps to 5.00
2.75 in all


Changes in Reverse repo rate (%)

December 2006 reverse repo rate was 6.00
December 2007 reverse rapo rate was at 6.00
Changes in the year 2008 as under:
Dec 2008 decrease by 1.00bps to 5.00
Jan 2009 decrease by 1.00bps to 4.00
Mar 2009 decrease by 50bps to 3.50
2.50 in all

ISSUES WITH ICICI:

1. As evident from above, if I do the absolute comparison from the time when I had taken housing loan in December 2006 till date, there is an absolute reduction in the cost of funding. If I compare Repo, there is a reduction of 225bps and in case of Reverse repo, there is a reduction of 250bps. In December’06 I was charged interest of 9%floating when Repo rate is at 7.25% and reverse repo at 6%, so when at today’s date, Repo is at 5% and reverse repo is at 3.5%, why I am charged 2% extra from the initial rate of 9%? Not only that I am charged 2% additional, but I should be getting more cut if you compare with the cost of funding (repo/ reverse repo) as mentioned above. The cost of funds in absolute terms has decreased considerably as evident. You have charged hefty 13% interest on my housing loan considering above hikes as on December 2008. Which is highest compared to industry PEs. I have the argument that by December 2008, RBI had already given 250bps cut on repo rate. But no effect was passed by ICICI. why?

2. In the initial transit itself, interest rate is increased by 50bps in February 2007, another 100bps in April 2007, another 100bps in May 2007 which comes to 250bps by May 2007 itself whereas during that time there was no change in reverse repo, 50bps increase in repo rate to 7.75 and 100bps in CRR to 6.50. You have increased the rates at your own will even if funding cost has not changed much. How customers can be charged more when system is not allowing?! Is it so that since I have signed the agreement, I am bind to you and have given you the right to charge anything at your will? Or is it so that Bank thinks that customers will resist transferring the loan considering high transfer cost (2%+taxes). So customers will accept the small rises in interest rates every time done by you.
This requires explanation.

3. Reverse REPO/ REPO and CRR increase/ decrease has the same effect all across applying to all the banks. Hence the benefit of such rate cuts goes directly to the bank to be passed to customers as evident. Most of banks have given the benefit at due time. ICICI has not passed the pro rata benefit as evident from repayment schedule. The effect of first 50bps cut effective from January 2009 doesn’t excite at 13% interest rate.

Sir, kindly also note that since I didn’t hear considerable cuts from you, I inquired to ICICI bank borivali west branch and to my surprise they offered the scheme wherein rate cut will be revised to 11% from 12.50% provided I pay 50bps swich charges on the outstanding of my housing loan on that date. I never understood on what grounds and with what right I am imposed such charge? Rate cut is my right. And to avail my right why am I charged? The benefit which is given to banks by RBI is for passing it to customers or to charge more from them? But I had no option but to immediately go for it since I was told the offer was valid only till 31/01/2009 and it was mandatory to pay the charge to get the rate of 11%. I have attached the swich charges slip for the reference.

4. If ICICI business model is such that they can not afford to offer the benefit of rate cut to existing customer while considering other adjustments of banking business; it is absolutely injustice to me. And to rectify this injustice you should at least allow me to transfer my housing loan to some other bank at free of cost. At present I am charged hefty 2% plus taxes on my outstanding on the date of my transferring the a/c to some other bank. I understand such charges are imposed so that ICICI does not have to face injustice by customers. But what if ICICI does injustice to customers? It is absolutely unfair and intentionally malafide to take undue advantage of an existing customer who is absolutely loyal and have never defaulted or delayed any of the housing EMIs or other dues as evident from the repayment schedule.

RELIEF REQUIRED:

1. Reimbursement of the charges imposed on me to transfer the loan interest rate from 12.50% to 11%.
2. Logical refund of the excess interest of 2% charged to me till date of loan tenure.

AND

3. Allow me to transfer my Housing Loan to other bank at free of cost.

Government is considering giving the rate cut to encourage more towards spending and circulation of money to minimize the impact of recession on us. But ICICI is looking only your own advantage at this time too. It is evident that whenever RBI has hiked interest rates, ICICI have done it overnight, but now when RBI is cutting rates, they are not. ICICI Chiefs have often quoted that they need to wait and watch the effect of rate cuts before passing the benefit??

Such questions need explanation.

Kindly solve my grievances at the earliest to avoid further action.

Thanks,

neepa
[protected]

I think we must all contact Raj Thakare for this, because this is the only way left. give dharna in front of ICICI banks and force stop operation.this will sound louder and will be hear all over INDIA than wrting here on PC.thodi tod pod ho jaye.

I am also going through same pain

Only Solution is switch.

Bank of Baroda: 9 per cent - 9.75 per cent

Canara Bank: 9.25 per cent - 10 per cent

Bank of India, PNB: 10.25 per cent

Allahabad Bank: 10.50 per cent

SBI: 10.75 per cent

Indian Bank: 10.5 per cent - 11 per cent

Amongst these we have spoken to 5 banks which are willing to refinance home loans

Source : http://profit.ndtv.com/2009/01/16143637/Why-home-loan-rates-drop-slowl.html

ALLAHBAD BANK — change of interest rate in vehicle loan

Last year i have took loan from Allhabad bank for a car for the period of 84 months at the rate of intrest 9.50%, but after 11 months the rate og intrest changed to 11.25%. Can bank change the rate of intrest? i pay my EMI regularly.

Hi,

I dont know your mode of emi payments for your personal loan.
If its through ECS, then you can get your Loan no. if you check your bank account history.
The account history will have your loan acct no. for the corresponding emi amts
Else i[censored] drop cheques for your emi...the no. who write on the net will be ur loan no.
it will be like : LPCHE[protected]

Can the Personal loan (ICICI) emi be restructured if there is a genuine reason?

Please advice.

i am running a propritory concern which is into film, ad.film and serial production.
today we have roduced a film.whereby all my money is stuck hence there are some delays in making payments . there is no reason for me to hide or lie to the bank people. but the treatment which the loan recovery peoply give us is just horrible they in a gang of 3 to 4 people and have nasty conversations in spite giving them a date or a commitment . they have made thing too difficult to deal with.
is the bank unable to distinguish between genuine and frod people.
PLEASE HELP

Is the unable to distinguish between genuine and fraud people

[protected] settlement please

ICICI bank is cheating the home loan borrower.

I have been paying regularly and my bank statment is reflecting the story. But to my surprise ICICI dened the receipt of EMI. It happend with me not once but twice.

It happend once in 2005 and again in Dec 2008. I have got the bank statement to prove the point but still they are denying the receipt of the payment.

They even charged the interest on late payment of the EMI . In the current month they have teken EMI twice. I have filled the form for auto debit in last month and the exectuvie in the counter said it will be executed from Jan 09. So I have deposited the Dec cheque . Now to my surprice they have encahsed both the cheque also from auto debit. Above all they are dening the receipt of double recovery.

Satyajit Nath
Dwarka
New Delhi

I am also a suffering customer of ICICI, it is absolutely unfair and unjust treatment. On top of that bank has now launched a soft scheme for existing customers to convert them to 12% floating rate by charging a conversion charge of 0.5%. This is just a way to make money out of the existing customers. RBI should take a note of this.

Home Loan/ICICI Bank — NOT REDUCING HOME LOAN RATE FOR OLD CUSTOMER. CHEATING OLD CUSTOMER

ICICI BANK RESPONSE VERY SLOW IN TERMS OF REDUCING INTEREST RATE OF HOME LOAN.IRONACALLY EVERYBANK HAS REDUCED BUT ICICI. WHAT U R WAITING FOR??? SOME THING OUT OF WAY EXPECTATION FROM GOVT/...

ICICI ko to .. jutooo..chaploo sey marna mangta hai .. sab ka sab chore hai ..

par galti icici ke bhee nahi hai .. humari gov hee currpt hai to koi kya karay .. koi Law & order he nahi hai .. sab apni marzii to karangay he na bahii ..
but phir bhee thori sharam to honi chaiyee na .. icici to bilkul he besharm hai ..

http://[censored]icicibank.wordpress.com/

I have been observed that, why ICICI bank always decresing ROI for new customers and not doing for existing customers.

The ICICI bank not at al bothering baout exixting people and the bank itself forcing or encourage to move to other bank for exixting customers.
I have been waiting to see weather the anounce to decrese existing customers home loan. i hope ICICI bank it self encoaraging to change the other bank for existing customers..

Application No.[protected]
LAN LBCHE [protected]

Though I paid July month's EMI towards Housing Loan, I received SMS from ICICI that I have not paid EMI for the month of July 2009. Kindly check Accounts whether the July 09 EMI has been credited to your account or not and inform me accordingly. Please tell me the present rate of interest you are charging. The interest rates you are charging is not at all matching with the Press releases. Invariably, you are charging High Rate of Interest without even informing the customer. Is this the customer support you are giving to your valuable customers ? Kindly write in detail the present rate of interest and the interest you are charging towards my Home Loan. If any formalities are to be complied, kindly intimate me immediately so that I can regularise it immediately.

Also, I wish to state that I am not at all getting the transactions towards my Housing Loan. Kindly arrange to send it immediately free of cost regularly.

Thanking you,

T.D.MOHAN RAO

DEAR SIR MERE PAAS ICICI BANK KA BINESS CREDIT CARD HAI NO. [protected] CREDIT LIMIT 47000.00 SIR MAINE YE CARD KE LIYE APPLY KIYA THA TAB MUJE ICICI BANK KI TARAF SE PHONE AAYA THA MERE CARD AANE SE PEHELE MUJE MERA PURA CARD NO. DIYA GAYA DATE OF EXP. BHI DI GAI AUR MUJE UNKE EMP. NE KAHA AAP KI LIMIT HUM SET KAR RAHE HAI AAPKO EIGHAT THOUSAND KA ISURANCE LENA HONGA MEINE ISURANCE LENE SE MANA KAR DIYA MEINE JAB PUCHA TO MUJE KAHA AAP LIMIT 90000.00 KI HONGI MAGAR JAB MAINE ISURANCE LENE SE MANA KIYA TO MERE CARD ROK LIYA GAYA FIR LAG BHAG EK MAHINE BAD MEINE CUSTOMER CARE ME COMPLAINTS KI AAP KI TARAF SE MUJE YE CARD NO. DIYA GAYA HAI MAGAR AAJ TAK MUJE YE CARD NAHI MILA HAI TO UNHO MUJE HOLD PAR RAKH KE UPAR BAAT KI FIR KAHA HAMRI INTARNAL PROBLEM KIWAJHA SE CARD KO ROK LIYA GAYA HAI CARD APKO BHEJ DIYA JAYENGA SIR US WAQAT ICICI BANK ME DO TARAH CARD THE EK CHOTA EK BADA CARD THA MEINE BADE CARD KE LIYE APPLY KIYA THA KYOKI ME BADE CARD KE LIYE ELIGILE THA BADE CARD KI LIMIT 50000.00 SE JAYADA HOTI HAI JAB MEINE YAHA LOCAL AURANGABAD ME INQ. KI TO MUJE PATTA CHALA MERI LIMIT 50000.00 KI GAI JAB MUJE BATAYA GAYA THA MERI LIMIT 90000.00 HAI YE INQ. MEINE CARD MILNE SE PEHELE KI THI BAD ME COMPLAINT KARNE BAD BHI DO TEEN CALL MEINE CUSTOMER CARE KIYE US KE EK MAHINE BAD MUJE CARD BHEJA GAYA TO USKI LIMIT 47000.00 KARDI GAI THI KYOKI MEINE INSURANCE NAHI LIYA THA BAD ME MAINE KAI BAR LIMIT INCREASE KI BHI REQUEST DI MAGAR WO KEHETE EK BAR LIMIT SET HONE BAD WO LIMIT INCREASE NAHI KARTE HAI JAB KI LIMIT KAM KARTE HAI SIR MERE PAAS OTHAR BANK BADE CARD HAI HDFC BANK PLATINUM PLUS CARD [protected] LIMIT 100000.00 CITI BANK BUSINESS CREDIT CARD NO. [protected] LIMIT 93000.00 SIR ICICI BANK SAB CUSTOMER KO EK HI LAKDI HAKTI HAI CUSTOMER PROFILE DEKHKE UNKE SATH WEHVAR KARNA CHAHIYE BANK POLICY BANTI HAI CUSTOMER BANK KE FAYADE KE LIYE IS POLICY BANK KE ACHHE CUSTOMER KA NUKSAN HO RAHA HE CUSTOMER NUKSAN BANK KA NUKSAN MERE HISAB SE TO CUSTOMER KE PROFILE DEKHKE KE BANK SOCHNA CHAHIYE AGAR APKO LAGE MERI BAAT THIK HAI TO SIR AAP JARUR MERA SATH DENA KYOKI MAINE INSU. POLICY NAHI LI IS LIYE BANK MERE SATH AISA WEHAWAR KIYA THANK YOU MOB. [protected]

SIR ICICI BANK KO WAQAT KE SATH POLICY BADALNE KA WAQAT AA GAYA HAI JAGO ICICI BANK JAGO

customer.[protected]@icicibank.com

head.[protected]@icicibank.com headcustomer.[protected]@icicibank.com

DEAR SIR MEINE YE BAAT ICICI BANK KE [protected]@ICICIBANK.COM AUR UNKI JO FEEDBACK KI SIDE HAI UN DONO ME MEINE YE BAAT LIKHI MAGAR CUSTOMER OFFICER ABEDA KHAN KE KAAN ME JU TAK NAHI RENGI THI UNKE CUSTOMER KE SATH INSU. NA LENE PAR JO ANANY HOTA HAI WUS BAAT KI UNKO FIKAR NAHI HAI WO SABHI BANK POLICY KI BAAT KARTE AGAR AAP KO LAGE ME SACHAI KE SATH HOON TO AAP MERA JARUR SATH DENA THANK YOU

customer .[protected]@icicibank.com

[protected]@icicibank.com

www.zeenews.com

dear mr. president r. madhivan of icici bank

banking odusma

[protected]@rbi.org.in

www.ndtv.com

www.indiatv.com

rajat sharma for india tv

head complaints dep. of solu. icici bank ltd.

dear sir possible ho to app mera sath dena me is ke pehle puri det. likh chuka hoon aap se badi umeed hai aap muje icici bank se nayay dilayenge unke upar jo achhe log hai jinho icici bank ko itna majbut kiya unke emp. insu. ke liye unke chehete customer ko kiya hal karte un tak meri sari baat jarur pochyenga taki unko malul pade feedback me likh ke bawajud koi dhiyan denewala nahi hai kyoki me ek kamzor cunsumer hoon me apni awaz ko un tak nahi poch sakta nahi unse lad sakta hoon apne haq ke liye muje umeed hai meri awaz jarur banege aur muje nayay dilayenge asha hai aap muje nirash nahi karenge kyoki ek aam hundustani ka aap hi sabse bada hathyar ek kamzor cansumer apke siwa nayay ki umeed aur kahi se nahi kar sakta hai thank you mob. [protected]

Home Loan — ISSUED LOAN AT FLOATING WHEREAS I INSISTED ON FIXED RATE

Hello,

I took a home loan from Citifinancial, Delhi in Nov 2005 for 11.8 lacs. We had a detailed meeting with officer of Citifinancial ( Mr. Aman & their seniors officer ) along with my wife as she was co-applicant & they checked up our credentials before issuing us the loan.
During the meet, I requested them to disburse my loan on fixed rate of Interest and they informed that the interest rate for fixed is higger as compared to floating. I confirmed to them that I would go for Fixed rate inspite of higher rate of interest. They confirmed that to be 11.02 %.

As this was my first experience of loan, I never cross check with them and they handedover us the amortization schedule whereas they mentioned 11.02 % as rate of interest and they mentioned it as
"effective". We never checked up with them as we were assured that it would be on fixed rate of interest.
They came back to me in November 07 again saying that their rate of interest has been increased and they will be charging 14854 instead 13537 whereas I had opted for Fixed rate of interest, so there shouldn't have been any changes.

When I tried to reach their officer and customer care, no body was ready to take up this issue and Infact we had received a very bad behaviour from the officer.

I need the help from you to solve the problem as it is getting very difficult for me to take the burden of another Rs.1300 and also I am worried about further increase which can happen any time.

Request to look into the matter seriously and immediately.

Thanks & regards

Gaurav Mittal
+91 [protected]
Presently at Chennai

It is a normal case with Citifinancial. they always cheat the user.

Hi,
I completely agree with Rajesh.
I have an existing Home Loan in ICICI bank and trying to transfer it to a PSU bank. But ICICI bank is creating problems for that. The other Bank needs a simple confirmation letter from ICICI bank stating that "on receipt of loan disbursement amount from other Bank, mentioned in foreclosure letter, for the full and final settlement of Loan, All the documents will be directly handed over to other bank, without any delay."

I had visited the Home Loan Branch on Gole Road, Pune for this letter. But, I was told that letter would mention that documents will be given to the customer instead of other bank's name.
It has increased the difficulty in doing the transfer of Home Loan.

I don't understand, what is the objection in providing such letter if customer itself is asking for that.
I am the customer of ICICI bank from last 6 years and had always like its services like Branch services, Net Banking etc. My family members also have accounts in it.
There is so much difference between the interest rate of ICICI bank and other banks.
And now I am feeling like being cheated. I can not advise any one to take Home Loan from ICICI bank.
Please raise your voices against it.

Regards,
Somesh

I BLAME GOVT, RBI AND BANKS FOR PLAYING WITH INDIAN CITIZENS.

WHEN INT RATES GOES UP THEY MAKE NO MISTAKE IN RAISING RATES OF EXISTING CUSTOMERS - THEN WHY THE HELL THEY DONT REDUCE WHEN RATES GO DOWN.

FLOATING DOES'NT MEAN BOTH WAYS?

**GOVT AND RBI - THIS IS BAD AND YOU'LL TAKE THR BRUNT OF INDIAN CUSTOMER SOONER OR LATER.**

GOVT/RBI/BANKS - ARE JUST TAKING INDIAN CUSTOMER FOR RIDE.

CAN SOMEONE SUGGEST, IF WE CAN GO TO UN OR WORLD BANK FOR JUSTICE...

Yes, I completely agree with all of them. ICICI BANK dosent reduce interest rates when RBI dedclares reduction in interest rates for housing loans. ICICI bank only declares new reduced rates only for new customers, which is unfair for the existing customers.
ICICI bank must reduce home loan interest rates for existing customers also. What is the meaning of floating rates? ICICI bank very conveniantly increases the rates and never reduces the rates which they should reduce.
I have taken a home loan from ICICI bank and I regret my decision of selecting ICICI bank.
We need to lodge a complaint and form a group to be updated on this issue.

I would introduce myself as one of the Indian who has done a life time blunder by taking the "ICICI Home Loan". I have never seen such a greedy bank in my entire life. ICICI is the perfect modern example of the earlier sahukars which treat borrowers as servant and let them dies slowly. This bank made his own policies and procedures and dont care about the RBI and the government. The activities of the management are to treat the borrowers as bonder labor and cheat them with the higher lending rates. There floating rates can be best termed as "Forwarding Rates" which moves in one direction i.e. Northwards. I share my example with you all:

I took a home loan of around [protected]@9% (20 lakhs) in September 2006. At that time HDFC was offering me the 9.5%. I choose ICICI over HDFC just to save couple of thousand rupees towards processing charges. Then started the fastest and the steepest process of increasing the rates for the exisiting borrowers:

Feb 2007 - 50 basis point
Apr 2007 - 100 basis point
May 2007 - 100 basis point
July 2008 - 75 basis point
Sep 2008 - 75 basis point

Now my lending rate is at 13% even after RBI cuts the CRR by 350 bp and Repo rate by 250 bp (As on Dec 22). In some cases the loan tenure is increased from 20 to 40 years. You can find lots of blogs on the internet. I have completely lost my faith in ICICI bank and there products.

The ICICI management is misguiding not only the people of India but also the Media, RBI and Govt, they only speaks that we'll reduce the rates but they are never delivering it. Everytime they says we are watching the liqudity situation and review the rates later on, they are just diverting the attention of public and passing the time. I dont understand how many years this bank require to watch the liqudity situation. Almost all the banks have lowered there lending rates. Even the Chanda Kochar said in one of the interview that the cost of funds are same for all the players of the industry..then why they are not reducing the rates. This is because ICICI has linked all the Home Loans to the PLR and they dont want to loose the huge interest income by reducin it. Irony is that despite so much crook activities, the media gives so such attention to ICICI bank and never expose there cheat activities. They are lowering the rates for the new customers just to trap them and harass them later on as we are facing now.

I sincerely request on behalf of all the Indians like me to save us from ICICI bank. RBI/Govt please ask the public sector banks to take over the existing home loans of ICICI bank.

ICICI is taking advantage of the fact and the customers are on the tenterhooks anyway that they may decrease rates like other bank but they dont know when.I watch everyday if they have taken any action.They also know that for the NRI it is heck of bureacratic tussle to get the loan transfereed.
This is no free market but swindling customer money in broad daylight under the nose of RBI and finance ministry.Wat are these regulators doing.Are they thinking the free market will take care of it.
This is one of the many reasons why NRIs feel disincentivised to come back to india.Our econmic strcuture is changing but there is no progress on bahavioral front.
let us rally around this issue and make sure new customers do not fall into ICICI bait.
Has anyone received any reason whay ICICI is doing what they are doing.

Don't take hoam loan from ICICI Bank. They will give loan for less intrest rate at the time of taking loan. They will increase the interest rates within 3 - 6 months.

They don't know what is the meaning for floating.They are cheating the existing customers.

plase send the application to my mail id thenking you

ICICI Bank is cheating the existing customers. The should reduce the floating interest rates for the existing customers.

They are giving attractive interest rates at the time of taking loan and ICICI bank very conveniantly increases the rates and never reduces the rates which they should reduce.

Don't prefer ICICI for any loans.

ICICI is lowering the rates for the new customers just to trap them and harass them later on as we are facing now.

Don't prefer ICICI for hoam loan. They will keep on increasing the interest rates but never reduce.

Send mail to your friends, colleagues to aware about the trap of ICICI bank. Advise them not to take home loan from this bank.

What ever you people are syaing is correct becuase..so time due to Inflation they increased the my Home loan intrest to 11.5 to 12.5%, now RBI is reduced rate of intrest but ICICI bank didn't the same this and PSU already reduced the same and ICICI is reducing the home loan intrest for new custmors if any one take Home loan from ICICI bank then they may again increse the home loan intrest for them..so better to avoid to take home from ICICI and go with PSU banks.

How to save non icici bank customer ?

Suggestion :

Pls propogate all of our friends, relative, , , through mail, media, etc, , ,

cunning icici bank leading for downfall

We should try to take this to media...is it possible ?

Each and every one shold know about ICICI...HOW THEY ARE CHEATING EXISTING HOAM LOAN CUSTIOMERS.

Try to send this message to all your friends, relatives...media...

Atleast we can save others by suggesting not to take hoam loans from ICICI.

Please read and post your comments on ICICI Bank HFC on MouthShut.com. We should invite our friends and every one we know to read and be aware of ICICI bank and not have even one person go to ICICI even for a deposit.

http://www.mouthshut.com/review/ICICI_Home_Finance[protected].html

ICICI is a disgrace on banks. and needs to be prosecuted for fleecing customers.

i have lost faith in ICICI bank and wish to stop all business like personal loan, housing loan, saving loans, credit cards etc

I am also victim of the ICICI Banks. Don't even know what to do. Situation is becoming to worst day by day. ICICI Bank is blood sucker of the middle class people in India. Government and RBI should come up with some strict rules say all the banks should give interest rates to custoers should between 9 to 10% like that. The change should be at maximum 1%. Else all the private banks will cheat the customer.

I request RBI to come up with such kind restrictions on all Indian banks and help millions of Indians in the recession time.

I REQUEST ALL PROSPECTIVE HOME LOAN BORROWERS NOT TO GO TO ICICI BANK FOR ANY OF YOUR REQUIREMENT AS ICICI IS THE MOST FRAUD BANK IN HOME LOAN.THE CALCULATION THEY ARE GIVING ME FOR FORCLOSURE IS ALL FRAUD AND THEY ARE NOT ABLE TO PROVIDE ANY CLARIFICATION ON THAT.I PREFER DONT BUY HOME ON ICICI LOAN BECAUSE U WILL SUFFER A LOT.IN NAME OF HASSLEFREE LOAN THEY SIMPLY SCREW BORROWERS.WHEN HDFC AND OTHER NATIONALISED BANKS ARE OFFERING 9 -10% INT RATE ICICI IS NOT SHOWING ANY GRACE TO EXISITING CUSTOMERS.IN SPITE OF THAT WHEN ONE IS GOING FOR BALANCE TRANSFER THEY R HARASSING A LOT.

BOYCOTT AND BAN ICICI BANK IMMDTLY
THE NUMBER 1 FRAUD BANK IN INDIA !!

This really daylight robbery that ICICI is doing, Who can make ICICI Change the rates of exicsting customers. I REQUEST ALL NOT TO TAKE LOANS FROM ICICI BECAUSE, ONCE YOU TAKE YOU ARE IN TRAP. SO BE CAREFUL

I've been a 'loyal' ICICI bank customer for the last 5+ years and took a home loan and car loan from ICICI around 4 years back. While the car loan went out smooth, my interest rate with ICICI has nearly doubled from 7% to 13% today. My tracking of ICICI's PLR for existing customers clearly indicates that they have been ripping me off - be prompt to move the rack rate north and hesitant to move them down south.

I've actually being working on exploring options for re-financing, etc. and thats when I chanced on this site. My 2-cents to any new home loan seeker is to stay off ICICI for sure.

I would like to know if there exists on the net or otherwise an official tracker of PLRs of various banks - something like finance.yahoo which tracks market indices... I would like to screw these folks for their 'wifey' treatment of existing customers...

http://www.apnaloan.com/articles/home-loan-india/On_wives_and_girl_friends.html

ICICIBANK loans — Fraud loan activity in my name

Sir/Mam

On 18-Jan-2009 at 3:38pm I received an e-mail from ICICI Bank asking me to pay an EMI of 18320.
I have never taken a loan from any bank. I have no clue whatsoever about this loan. I am a part time student who works for his monthly expenses and to support my family.

The message reads :
'EMI of Rs. 18320is overdue for your ICICI Bank Loan Ac LVMUMXX7328, as on 31-Dec-2008. Please pay immediately in cash at any ICICI Bank branch.'

I don't know what to do. I'll speak to the Branch Manager of our local branch.

This is the first thing I am doing for this issue i.e., registering a complaint with you.

Please, suggest as I m unaware how to respond for this situation. ASAP.

Thank You,
Kunal P.

Very Simple :)
First do not delete this email you received... reply them back that u didn't taken any loan and the bank is having any mistake . Write them to recheck their details again. Wait for their mail and reply.

Now if they insist that its u who taken the loan then ask them to send the details of this loan on ur address... or via email... if they send u the details then check them...

After it send mail again and clearly mention that u didn;t take any loan and now going to take legal action against your bank for fraud loan on your name... Also send a postal mail to RBI ( reserve bank of india with all the emails you receive from ICICI and just wait... u will see the results :)...

This will work... just do this way :)...

Dharm from Delhi... :)

we shoud all come together n file an case in court against ICICI bank n make ourself free from this banking harassment.n till then stop all the payments till we get justice as when RBI increased CRR n REPO RATE bank increase but when they were reduced this was not benifited to we customers. SO i pledge u all to join this n get justice to all o[censored]s.we will unite ourself n win this.

I am also one among pathetic/stupid guys who has done a blunder of taking ICICI home loan...

Despite my friend's/cousin's caution, I went on and did this life time mistake...

Now I am trying to change over the loan to one of the PSU's. But it demands more time and really testing my patience...

Meanwhile, we should make a strong protest against ICICI to stop this cheating business. RBI and Govt should intervene to save the people.

I dont have any clue how to make our protests in public to draw the attention of Govt/RBI/people.

Media could be one better solution.

Please share your views. We will defintely find some ideas to corner this bank.

everyone who has complaint against icici bank (the worst bank india has today) should write to Banking Ombudsman on RBI website or file complaint on consumer court website

http://www.icrpc.org/
http://www.rbi.org.in/

everyone who has complaint against icici bank (the worst bank india has today) should write to Banking Ombudsman on RBI website or file complaint on consumer court website

http://www.icrpc.org/
http://www.rbi.org.in/

can someone perform a sting operation on these guys and find out the reality?
The worst part is that soon the bank might reduce the rates and People will forget everything, and flock back to the bank.
someone (I cannnot) needs to teach these guys a lesson.
Keeping national interests (and upcoming election votes), can't the government take suo muto action against ICICI ?

Yes I agree with every one. I am losing trust in ICICI bank. They are playing with customers.
Don't trust ICICI bank. I would not suggest anyone to take ICICI Home Loan.

Yes i completely agree with rajesh. This bank is cheating the customers by not decreasing the interest rates.Now my interest rate is 12.5%. I took loan at 9% floating .

They are not ready to reduce the rates when RBI reduces drastically. This is really worst and i never seen in any other banks except ICICI.

Atleast now realise and take the right steps to reduce the rates and align with other banks like HDFC ect.

Completely agree with all the sufferes like me. We value money so much in our life & save money... many time by sacrifising our and our family members needs...Is it just to pay heay unrealistic interest amount??
It really pains me when I think o[censored]nrealistic interest paid on my home loan & still continuing when other banks are reducing interest rates. I would ask what is the use of govt. reducing RRP when people are not benifted? Govt is taking nap as usual !
Guys I suggest, do not wait, just shift the loans to other PSU banks, do not deposit money in ICICI if you have an account & then pray for ICICI banks demise ! ! - regards Santosh Rathod

Yes one should wake and particularly you should wake up.

If you say that Bank cheats you then at the time of taking loan why did nt you opted for fixed rate??

If you say loan rate is high do you know the deposit rate? That is also high.

In Home loans companies work at very less margin, then there is delinquency. How can you say that rate should be reduced?

Does RBI/Central Govt compensate banks for Delinquencies and NPA accounts?

I totally disagree with you.

When Mr X made a deposit with a particular bank at 11% for 3 yrs . Now when deposit rate is 8 % then should the bank reduce the rate on deposit to 8% on his FD?

Think about the concept then discuss

yes i too agree that ICICI bank is cheating its existing customers.Even if we thought to transfer home loan to other PSU, PSU bank are scared to transfer the existing home loan from ICICI, as these people play with the documents to be transferred to other bank.Moreover PSU's need a security for the loan amount by giving another property having value equal to the pending loan amount.see how terrible ICICI people have made the process.We are paying our hard earned money as interest to ICICI bank.I tried to file a complaint in RBI against ICICI but even everything is correct, its not getting submitted.I don know wats happening.
Am totally fed up by this bank.How come a bank can survive by cheating many of its customers?

This is completely true. I have a home loan from ICICI. The Loan A/c No. LBN0D[protected]. They are cheats. Charging me 14.25% with just a grace of .50% making it actually 13.75% can you believe this. For more information they are claming that this intrest rates might go up because I am a existing home loan user from ICICI and the benifits are applicable only on new home loan users. They make fun and sugested that I should transfer the loan or foreclose it and reapply as fresh to avail the benifits. Its a BIG CHEAT AND FRAUD BANK. It should be regulated and government should do something to stop this scam. They even charged the ECS on my account and refused to reverse the bouncing charge on my account, It was a system error as per the bank but I being a unfortunate customer would pay for this. Please NEVER GO for any loan from ICICI BANK.

I Don't agree with the whole comments... rates has been down in between further the Bank has given an optinon of switching your scheme i.e. changing your variance such like as to new customer while paying a nominal fee and same can be done easily.. today being the last day of offer if anybody wants to avail pls visit nearest ICICI BANK Retial Loans Branch

We should take this matter to the media and to the highest court of this country

ICICI Bank is paying very less heed to RBI's attempt to bring down the interest % on home loans. It is only attempting to pass this benefit to the new prospective customers thereby to increase its existing home loan business.

Its existing home loan customers are deprived from this benefit & just for the mere sake of fooling its customers & RBI, it has gone for a decrease of 0.5 % after several decreases by RBI and in a scenario wherein many Banks decreased their % by 1 or 2.

ICICI knows that it has a large customer base & in this time when economy is leading to a recession with job-cuts happening, instead of supporting the economy, it is more interested in squeezing its existing home loan customers. It is trying to cover its losses in other areas by putting extreme pressure on the existing middle class home loan customers.

The only reason why ICICI had such a big set of middle class customers was that they do not request for too many documents during their initial approval process like other banks & it's this time when these middle class group fell as prey for ICICI. Now that we are in it, let GOD save us... OR if the govt. decides to save us, we will greet them with a smile... :-)

Yes all of your feelings are very true in fact I am too going through same trauma, ICICI Bank is real fraud bank, and day is not far when they start charging for entering their branches / offices.
its all wrapped with fancy paper

I am the one of the victim of ICICI Bank. They never think of decreasing the %. They are not even caring the RBI.

Guyz stop banking with ICICI. Don't keep your Fixed deposits or salary amount in that bank. If they are cheating us, we must also give fitting reply to them. Tell your friends and relatives to close accounts with them.

I agree with all the above mentioned Borrowers ICICI Bank has cheated customers they have cheated me as well, I had taken a loan from them 5 years ago never in my life i have seen ICICI Bank reduce their rate of interest however when it comes to increase they do not wait as soon as RBI declares a hike they immediately send a communication to their customers ...

I think its high time people wake up and move to any other bank else get sucked by ICICI Bank ..

When i started banking with ICICI my rate of interest was 7 % and witihin a Year it climbed to 9% and the Process continued ..

Why can't Media / Government concerned authorities do something about this coz this is a torture...

Especially in this time of Recession RBI should stand for victims like me and ensure ICICI is taken to a Task for such malpractice..

The ICICI management is misguiding not only the people of India but also the Media, RBI and Govt, they only speaks that we'll reduce the rates but they are never delivering it. Everytime they says we are watching the liqudity situation and review the rates later on, they are just diverting the attention of public and passing the time. I dont understand how many years this bank require to watch the liqudity situation. Almost all the banks have lowered there lending rates. Even the Chanda Kochar said in one of the interview that the cost of funds are same for all the players of the industry..then why they are not reducing the rates. This is because ICICI has linked all the Home Loans to the PLR and they dont want to loose the huge interest income by reducin it. Irony is that despite so much crook activities, the media gives so such attention to ICICI bank and never expose there cheat activities. They are lowering the rates for the new customers just to trap them and harass them later on as we are facing now.

I urge the Authorities to look into this and ensure all Borrowers get their justice as they deserve it ..

icici home loan should cut down their rate of interest on home loans as all the nationalised banks have already done so .iam sorry to say that though being a regular payee of the emi i have no way to express my redressal if the bank refuses to reduce the floating rate i will ha ve to move to the consumer court. it goes aginst the bank agreement with us that it would reduce or raise the interest as per the market changes .however there has been only hike but no reduction .it is my request that the bank should think on the matter and do the needful at the earliest .

yes it is very true. at the time of taking loan they say that the interest rate is floating means increase or decrease of rate is applicable to the same, but the inflated rates are kept fix and new rate if declared is given to only new customers. I would rather tell new customers to awake and ask the bank officials about their future rate of interest.

Is there a way that people in this forum can get together and file a petition against the ICICI bank for the biased and unfair practice? The question (like always) is who has the time to co-ordinate the effort? In India, it is really a habit to complain, but when it comes to take on the responsibility to resolve an issue, it is hard to find anybody who can shoulder the burden.

I completely agree with this that ICICI bank is cheating its customer by not bringing down the home loan rates. All customers who have taken a loan on floating rates of interest are paying 13-13.5% of interest rates today whereas new customers are getting Home Loans at 8-9.25%. RBI should take action against ICICI.

I am too suffering from the same.
What can be done at this point of time.
Is our law and order system favours this kind of issues?
Can we go to court of justice?

One of the actions which can be taken by the existing customers is stop paying the EMI until the interest rate is cut down as like the new customers or to surrender the house to the bank. Then they will feel the bang in their stomach. It is a non-violent attitude and Gandhian principle. Atleast some 1000 should join hands

I agree that ICICI Bank is one of the worse banks in dealing with existing home loan customers. They have been one of the first bank to raise their floating rate interest rates and that too upto 200 basis points at times. Now they are offering floating rates of 9.75% to new customers and not lowering the interest rates for existing borrowers at all. In spite of the RBI announcing many rate cuts, the esteemed officials of ICICI bank management are giving statements in the newspapers indicating that the RBI should be doing more rate cuts, which they will use only to line their own books and not pass on to customers as has been the case in the past.

Sir,
I, Mahavir Prasad r/o A-4/11 Sultanpuri New Delhi and having saving account in ICICI Rohni Sector -08 branch and my saving account No _[protected].

My problam is that i issued the cheque amounting Rs 250/- (Two hundred fifty) towards ICICI Direct to open a dmat (Dmat Form No [protected] and receipt No [protected]) but ICICI direct executive and concerned manager do some wrong with me they make change the figure amount 20, 500/- (Rupees twenty thousand five hundred only) instead of Rs 250/- and deposited in their personal account in the Indian Bank.
Sir, Basically I am handicaft person and last two month moving around the bank and concernd persons but no one give me proper response.
There is two observable things :-
(a) How ICICI bank issued the said amount despite overwriting and cuting in cheque bearing machine No 733490 and amount is not filling in proper.

(b) ICICI direct concerned manager is dening the said voucher pertaining in their branch.

I look forward your response as soon as early possible.


Your sincerly

Mahavir Prasad
R/O A-4/11 Sultanpuri New Delhi

I am with you. I don't understand what is the meaning of Floating Rate of Interest. RBI should laid down clear guide lines for people to understand this method.

Bank have a Index to denote The Floating Rate but same time have have kept a tool of discount through which they cheat old home loan customer.

RBI should ask bank to laid down point wise clear creteria through which discount given to bank and enev when user apply for loan. He should have checked for discount creteria for which he qualify. Discount should not be a choice of Bank and Agent.

If there is any diffeculty in above process then RBI guidline should instruct a fixed basic cost through which user can transfer the loan to other bank ( without any cost of panilty and Reapplication Charge)

By just raising the voice, it won't help. If you want to fight... Join Hands. Drop email to sadanand.[protected]@gmail.com.

We will go in Court.

I agree fully. I do not know what the regulatory authorities are doing. ICICI Bank claims to be the largest private sector bank. But the time is not far when the customers are going to see through their unscrupulous actions and discard them. This bank leads in misdirecting the customers and cheating them of their hard earned money. I took a home loan a few years ago. They increased the rates relentlessly and my interest rates reached 12.75 % from 7.25% the year I took the loan. Now, the RBI si reducing rates but ICICI Bank is not passing on the benefit. The ombudsman, are you listening ?

I am also facing the same problem. I’m Ashish Kumar (ICICI Home Loan Account-LBDEL[protected]) I was in the process of transferring the home loan from ICICI bank to some other PSU bank. But last week I came to know from one of most powerful media channel CNBC that that ICICI had reduced interest rate to few selected customers by just paying a conversion fee 0.5% of total outstanding amount and this scheme has been already closed on 31st March 2009.
The interesting thing was there was no advertisement, no alert to the customer while they advertise and send the alerts to their customers for every small thing.
When I came to know via CNBC I have called up on customer care and the person who was on the line told me that something is going on to reduce the interest rate but what is exactly they don’t have information so need to visit any nearest branch office.
By today I have visited sector-50 Noida office and then executive told me that scheme is already closed and when I ask why I was not properly communicated even during that time (Feb to March) I have visited ICICI office approximate 4 to 5 times to collect the loan transfer related documents. They was not able to give any meaning full excuse only he told me that since this scheme was not applicable to all customers that’s why we did not. Even I have to some senior person but the answer was same.
I’m not able too understand if ICICI give advertisement and sent the alerts to the customer for every little thing then why they have not published this scheme? It is a big question. Even if customer is in the process of transferring the loan and visited again and again during that time no body in the ICICI office explain about this scheme. It shows thatICICI only want to give the beifite of this scheme only to few selected customers. What were the criteria to select those customers only ICICI knows?
What I believe that ICICI is very worst bank in INDIA. Actually I was looking for the mail-id of some senior person in ICICI like chanda Kochar, KV Kamath to whom I can raise the problem and can ask to give the reply but unfortunately I don’t have so writing here.

I don't know why does icici calls it floating rate of interest ... once the contract is signed ... it doesn't reduces for existing customers ...let's wake up and advise everybody we care for ...not to go to icici for loans or banking

I totally agree with you. This bank is an enemy for its existing customers. Its better to drop the property and buy another property with loan from any other bank except this master of thieves..

I absolutely agree with the statement that ICICI home loans department totally cheat their customers...and have not yet reduced their rate of interest whereas RBI has declared long ago the reduction in the rate of interest on home loans...
I am at present facing a lot of problem with this bank...WISH SOMEBODY TAKE SOME ACTION

I absolutely agree with all of you. ICICI bank are the biggest cheaters. I took home loan from ICICI in 2003 for 18 years period. Today they have increased my tenure by more than 30 years. With this increasing rate I think my great grand children will be asked to repay my loan to ICICI bank. Recently I visited their NOIDA branch and took up the matter with them. I was told to pay them approx. 10K + service tax to get my home loan revised. I fail to understand what is the true definition of floating interest rate??????

I am also a victim of this since i took a home loan with ICICI Bank in 2006. Till now they have been keeping on increasing the interest rate as and when RBI announces. This would be the first bank to have the new interest rates in place if an increase happens. But when RBI reduced, and when i called customer care, they say they still havent got a confirmation for reducing the interest % from their higher authorities and they say that i can complain wherever i can.
I was totally disgusted on hearing that. Advised all of my co-workers to never ever go with ICICI. they are cheating people, once you get into that bank, thats it, they will eat all your money!!

can the indian government do something about this bank??

We have with you to fight against this gross & injustice u know they are financial-white criminals...

I absolutely agree on the above. When the rate increase they increase their BPLR without delay. But when its the other way round they do not reduce it for existing customers (as they are already in trap). All the reuces rates etc is for the new customers.
On top of it, when you want to foreclose the account and transfer the balance to some other bank which is offering competitive market rate, ICICI BAnk wants to charge 2.21% as foreclsure charges. I being a self employed person, honestly and dilligently paying all my dues timely. why should be bearing the burnt of the foreclosure charges.
My question is why is:
1. Why is there a different policies(rates) for the existing customers and the new customers?
2. When I am availing the services of ICICI Bank, I need to pay them. When I dont want to avail there services because of frauulent policies, and want to close it, I still have to pay them. Is it service of ICICI Bank like a Mouse Trap??

This stuff is all correct and they are not coperating with customers.This should be an eye-opner
for the rbi perhaps they are not concerned in any thing other thna high sensex.Either we should file a
petiotion in Supremecourt or a case.A pettition can be filed on line in the court.

It is well understood by the people who suffered by hand fs any of the private bank.
This story will contnue in the wake of current scenario.To pass it on to the people who are likely to get
suffered in future, we need to get together.I can propose a plan if we can actually guess the actual no.of
people ready to give active support.
write me back if you want to continue.

The intent of this letter is to bring it to the notice of all borowers of housing loans from ICICI Bank, ICICI banck may probably be the only bank in India operating on multiple PLR's [Prime Lending Rate] being charged for different customers.

I work for an IT Major & while availing the Housing loan I was provided with my housing loan at PLR-3.25% as the floating interest.
While talking to my friends in IT & customer care executives I noticed the bank is operating on different PLR's.My colleagues have a PLR of 14.25% where as
My loan account has a PLR of 16.25% so the effective ROI currently applicable to my loan is 13%.

I must mention here the general impression within IT fraternity is ICICI bank is taking its existing customers for a ride & this it to put it mildly.

Various government initiatives have seen CRR being brought down by 4.5%, increasing liquidity in the market to help consumers & banks. However I have a feeling
ICICI bank is using these government initiatives to boost your new businesses which is obvious & good for your bank but the existing customer base who have been paying heavy
Price for last few years [my loan account interest has seen an increase of 5.25%] have been left in the lurch which I feel is discriminatory practice.

I have a floating housing loan account from IDBI as well & even though they offer only PLR-2% to me I am currently paying 10% [IDBI PLR is 12%] where as ICICI charges
Me 12.5% with a PLR of 16%. I would hate to compare operations of 2-banks however given the situation I am in I feel cheated by ICICI Bank. Moreover IDBI has been very prompt in passing on the benefit to me an existing customer what is stopping ICICI from passing on the benefits to existing customer base.

May I ask why there is such a major difference in PLR's compared to other banks & why ICICI has different PLR's for different customers?

As you know IT forms a major portion of your customer base & whoever I have talked to on this has great feeling of frustration with ICICI & thinking of various options to move away from ICICI.

ICIC Bank is cheating its existing customers & even new ones, why I say this is, new customers are offered attractive rates at the time of providing loans, ones they avail of the loan, within few months they increase the intrest rate, effectively nullifying the benefits passed while joining.

I am very sure there are lakhs of customers like me who have been cheated by ICICI, & I am just hoping RBI & Government agencies act on these issues & ensure ICICIC Bank falls in line & pass on the benefits to all the customers the way banks like SBI/IDBI/AXIS banks are doing.

Dear Friends

Let us start a mass email highlighting ICICI fradulent behaviour. I had taken a loan from LICHFL earlier. I salute them for the customer oriented approach and regret banking with ICICI.

I took a home loan from ICICI bank in April 2003. I was offered a floating rate of 8.50%, as I was working with a reputed software firm (Tata Consultancy Services), this 8.50% was supposed to be a special rate for its employees.

ICICI has been increasing rates with every increase either in repo rate, reverse repo or CRR. But when these rates starting coming down, ICICI has remained just a mere spectator with disproportionate reduction in interest rate. Being a floating rate taker, we feel CHEATED as we took the hit of rate increases and are being deprived the benefit of rate reduction.

When I inquired with ICICI asking why they are offering lower rates to new loan takers and higher rates to existing loan holders, they said I could shift to those lower rates after paying 1.75% of outstanding loan amount as shifting charges.

I have have the same issue. It is unfair game. can we not go to court with Public interest litigation

Most horrible... Bank…extremely worst services…. most hideous staff and repugnant
management…
Go and check in any ICICI bank premises how much the people are giving the bad word for ICICI bank.
boycott the icici bank ltd and its allied product

WROST BANK

dear mittal

do u have any copy where the bank has mentioned fixed rate of interest.i[censored] have plse move court without any delay. i[censored]r copy contains floating rate then you can do nothing. you should remain alert or do homework or take an experienced person while dealing these matters.


tk cr


dev

kolkata

We need to gather atleast 100 to 200 people and should have a protest at all places.

r.b.i.l — exploitation by the management

r.b.i.l is a m.n.c company in mysore, they are engageed in unfair labour labour practice, they are violating contract worker regulationact, not giving them double wages for doing O.T.

i have worst experience with icici bank. I had taken housing loan from icici in 1996 at 8.75%, floating rate, now I am paying 11.75% thorough my nose. This bank is like pathan. everytime CRR is increase they IMMEDIATLY increased their rate but WHEN RBI decreased CRR they conveniently fail to decrease their rates. I swear that I will never have any business/contact with icici. Why old loyal customers are treated as BAKARAs unlike new customers who are treated with much more lesser rate of interest. when i went to icici to switch my loan at the rate which are offered to new customers. they asked for switching fee and additional investment of 30000/- Rs. this is unexpected from so called customer oriented bank with lots of publicity advertisements showing their Great Cares for their Customers.this is totally Pathan like treatment to me a loyal customer of icici may God alert other persons wishing new loans

I am totally demoralised by such activities

Reserve Bank of India should look into this matter and give solace to crore crores of exsiting customers who took housing loans previously and repaying by more rate of interest than those new customers who are getting offers at much lesser rate of interest

Reserve Bank of India- please look into this matter and take thanks of crores of old customers of private banks like icici and other banks

Prafulla Gholap

MR KAMATH, KOCHAR

PLEASE LOOK INTO YOUR BANK. SEE TO IT THAT YOU WILL NOT LOOSE LOYAL CUSTOMERS LIKE ME, THERE ARE CRORES CRORES OF PEOPLE WHO TOOK HOUSING LOANS FROM YOUR icici IN THE PAST

DISCARD THE PATHAN LIKE ATTITUDE TOWARDS EXISTING CUSTOMERS

TD India — ICICI Homeloan Rate of interest

Hey,

I took my homeloan 1230000 from ICICI in November 2007 and started paying since then at 12.5 % floating. When I approached the bank to know details on offers avaialble for homeloan customers , they started selling isurance policy to me so that the roi can become 8.25% fixed for 2 years and later floating.

FOR THE NEW CUSTOMERS FLOATING ROI IS 8.25% WHERE AS THIS DOES NOT APPLY FOR THE EXISTING CUSTOMERS, IF YOU ASK WHY? THEY SAYS THE POLICY IS LIKE THAT.

I finally ended paying 1.75%+ taxes = 1.94% on outstanding and now I have got 8.25 % fixed for 2 years and floating ROI from there on.

Its been a painful experience and I want this issue to be addressed by top management, all my hard earned money is eaten and eating up by ICICI , the bloody bank.

WHY DONT THE BANK OFFER 8.25 % TO EXISTING CUSTOMER ,WHEN IT IS OFFERING 8.25 % FOR NEW CUSTOMERS.

What could be the reason, that too my plan is floarting roi but not fixed.

Senior bankers should have an eye and ICICI gets all vulgar words by public.

Can anyone from ICICI bank reach me to discuss?

I PAID TOTAL 3.6 LAKH AND ONLY 30000 WAS THE PRINCIPAL AND THE REST OF THE AMOUNT IS INTEREST.

I AM GETTING SCREWED UP WITH THIS HOMELOAN AND BANK.

CAN ANYONE GIVE SOME IDEA HOW TO GET RID OF THIS?

1) IF SOMETHING HAPPENS TO ME AND IF I CANT PAY HOMELOAN FOR THE NEXT 6 MONTHS, THEN WHAT HAPPENS?

can anyone post the inputs?

Thanks,
Anil Kumar K
LBVJW[protected]
friend.[protected]@gmail.com
[protected]

Dear Anil,

We apologise for the inconvenience caused to you. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.

I am also a victim of ICICI home finance. When I availed the loan, they offered the lowest interest rate. Slowly citing some reason, they raised the rate and presently I am paying the highest interest rate. LESSON: PEOPLE SHOULE ALWAYS SEEK LOAN ONLY FROM REPUTED NON_ CHEATING BANK like HDFC / SBI / LIC / INDIAN BANK and any cost not to ICICI
Regards
Sivasankaran

Hello everyone,

I had the worst experience of my lifetime with ICICI Bank Home loan.

They sanctioned my money at 7.25% in 2004. After every 2-3 months they kept sending me notices of rate revision by 0.5-0.75% and so on and it slowly peaked to 13.75% in early 2009.

I was regularly paying my EMIs without any defaults. They started calling me and harrasing for higher EMIs as the tenure bloated beyond 25 years. Unsolicitedly, they sent recovery people to my house for additional money and increasing my EMI. I had to instruct our security guard not to allow them to my house. I was undergoing tremendous mental agony through this period and no body to share with though I never defaulted on a single EMI.

In early 2009, I approached BOI for loan transfer and after 4 months in April 2009, I completed all the due dilgence with them and got my loan transferred at 9%. To my sweet surprise, my EMI with BOI increased by about Rs1, 500 but my tenure reduce by 10 years in comparison with ICICI Bank!!! Just imagine how much they are ripping the public in money lending... They are the white collar pathans of India.

This according to me was one of the happiest times beside other great family ocassions and now am a happy man.

Once you complete the due diligence (very rigorous) with BOI, rest is history!!

You never get a revision letter or harrasing phone calls from them ever!!!

awful.. RBI please wake up!

I am writhing this in of concern with my home loan. Want to clerify some things as i am confused and do not know what to do.
Pls help me out if you can.

I had taken home laon from icici bank.Loan Details are as follows.
Loan no:LBMUM[protected]

Application no : [protected]

Comensment Date : may 06/05/2008 -- 10.5% 240months

But now i have received a letter mentioning that interest rates have increased and so my loan tenure is 484months.

Its Doubleddd

How can this be possible.I am reallyy pissed up and damp confused.

Pls see if you can help me out in this matter.

My no is [protected].

Hi fellow loyal sufferers of ICICI,

How do we stop being exploited by the bank like this. We should get out these arm twisting and recover all the losses incurred.

We also need see that this bank will not repeat this cruel practices.


A. Kiran

I am shocked at the misuse of public faith in ICICI Bank. I too am a victim of ICICI banks dubious policies with regard to Home Loans. They have mislead us all by keeping the initial floating rate low and kept on increasing the rate at short intervals. They have then surreptitiously increased the term of the loan and to mollify us kept the EMI low. We must join together to file a class action suit,

Lack of transparenty norms while availing service from ICICI Bank

Took home loan from ICICI and seems this is the worst bank to be associated with. Dont advise clear agenda and just mis guide the customer and a very bad customer service.

Dear Customer, (RAJESH.T.D.)

We regret the inconvenience caused. We request you to email us your concern with your contact details on [protected]@icicibank.com. Please mention the UID (a3a8fl) in the subject line of your email. Our official will assist you.

Regards,
ICICI Bank Customer Service Team

Govt must act on hosuing finance companies who are keeping separate flooting ROI for present costumers and new costumers. I have taken home loan from HDFC at Jan 05 for 20 years in flooting ROI.
Now flooting ROI in Market is 9.5 to 10.5. But HDFC still charging me 12%. From 1st Feb 09. it may decrease to 11.5 % but still it higher than market rate for new costumers.

I strongly agree with Papudass Sunderraj Nadan. This happens due to lack of enough govt regulation on housing finance companies.

I strongly agree with the comments made above. This is not just HDFC but also ICICI too.There are no discrepancies when the loan is from Nationalised banks. However private banks are not customer friendly. I had taken loan in 2002 when the fixed ROI was 11.5%. Later transferred to floating looking at the encouraging ROI of 7.5% in 2004. Now they had increased it upto 14% in October 2008. Now ICICI claims to have done us a favor of reducing it to 13.5%.This was compensated by reducing my EMI and keeping the terms constant without informing.My repayment term constantly increasing looks like ICICI never want us to pay EMI forever. Is there any way to get ICICI in line with the RBI norms.

icici bankl ltd — irregularity in auctions conducted by them vide e.bay

i have purchased a hero honda auctioned by icici bank through
e.bay.com on 26/11/07.after getting confirmation in my
account that i had won the vehicle the next day after i had made the payment for the same the bank informs me that the said vehicle is being sold.we regret.i have spent lot of time and money on the auction and now the bank regrets shamelessly.i want some stern action to be taken towards the bank and compensation for me.

Dear Sir,


My self Amit Saxena my car loan a/c no is LADEL[protected]. As I have already requested to your customer care that i want to change my ECS a/c from UTI bank to Standardcharted bank therfor we need your agent for detils information . Last month I paid my EMI cheque through your collection agent but as on date I have not received any responce fron ICICI bank customer care .


So request you to please look into matter and provide the solution asap.

Thanks & Regards,

Amit Saxena
[protected]

Dear Sir / Mam,

As i have taken car loan (LAGOR[protected]) from ur bank, and i have asked for statement (soft copy) on my mail i.d. But i have not received any mail from ur side (customer.[protected]@icicibank.com).
Please do the needful asap.



Regards,
Anita Agarwal,
C/o. Avantika Enterprises,
Dewan Daya Ram,
Gita Press Road,
Gorakhpur.
[protected].

iam exsisting customer of your car loan no lache[protected]
p.v.manoj kumar
cpwd quarters
kk nagar
chennai 78
last month i was changed ecs clearing in icici bank to hdfc bank. my ecs clearing date is 5th of every month but in hdfc bank the clearance is not cleared till now, when did the clearing?

hi this is yogesh ;n i was purchased a car from ICICI bank through Ebay motors auction on 13 march but till i didn';t got N.O.C. form from ICICI Bank
the loan no. was LUDEL[protected]

WHAT SHOULD I DO...?

im a ebay cust and i have a valid ID with ebay motors.
i was purchased a car from icici through ebay auction on 13march2009, but till im not getting any papers from from ur rohini, new delhiloan department still.
the concern person was not giv me any setisfectory answer. that is mr prashant and mr. ravi ([protected]/[protected]).
giv me the result as i want as soon

dear sir, i am your customer my loan account no LAMUM [protected] i request for a statement on your phone service no[protected] before 20/25 days i not receved statement plese send me a statement on my adress thanking you... Arvind Akhani 21 jun 2009 8b

I myself had availed a car loan vide LAN Number LAHYD[protected] ON 27.2.2005 and repaid the same by Febrauary, 2010 without a singe default. But surprisingly I have not received and communication from your bank. If a defualt in payment of one instalment is there, you pounce on a customer with threating calls and notices, but a sincere customer who re-pays his committment is left with waiting. Where is the justice dear gentlemen ? Kindly communicate to me what I should do now ?..
Thanks
Yours sincerely
Harris Sudhakar david

ICICI Bank — not processing a car loan

i am sunil parshuram salunke and applied for a car loan in icici bank. i was refused the loan on the grounds that there is an amount outstanding on the some of the credit cards the details of which are not being provided by the bank. i had two cards one sbi card and the other standard chartered bank card. i therefore request you to please provide me the details of card numbers and the outstandign amount if any on muy cards. my personal details are as under

name sunil parshuram salunke
date of birth 25 jan 1972
office address zoological survey of india, western regional centre, akurdi pune 44.
home address 10 narmada park nigdi pune 44.

Hi Sunil,

We request you to contact the CIBIL authorities and clarify your doubts and queries regarding this inconvenience.

Regards,
ICICI Bank Customer Service Team.

SIR JAB DUSRI BANK BUSINESS CARD KI LIMIT BADH SAKTI HAI TO ICICI BANK KYO NAHI BADH SAKTI HAI MERE PAAS CITI BANK KA BUSINESS CARD 62000.00 KA THA JISKI LIMIT INCREASE BANK NE KARKE USE 93000.00 KA KIYA MERE HISAB SE WAQAT KE SATH ICICI BANK KO BADAL CHAHIYE EK HI TOTE TARAH RAT NAHI LAGANI CHAHIYE BANK POLICY HUM BUSINESS CARD LIMIT KI LIMIT INCREASE NAHI KARENGE GODH AUR GADH EK SAMNA NAHI HOTA HAI SABKO EK HI LAKDI SE NAHI HAKNA CHAHIYE WAQAT KE SATH AUR CUSTOMER KI PROFILE KE HISAB SE UNKO BADALNA CHAHIYE HUM JO VISHVAS ICICI BANK PAR KARTE HAI UNKO BHI HAMRA HAMRI BHAVAN ADAR KARNA CHAHIYE HUM CUSTOMER LOGO NE HI USE TOP PAR POCHAYA HAI HUM JAISE CUSTOMER KO WO PAR ME LENGI TO WO EK DIN KHUD PEROME AYENGI KYOKI SARE ACHHE CUSTOMER DUSRI BANK ME CHALEJAENGE WO APNI HITLAR JAISI HAT LEKE BATHE RAHENGE KYOKI EK ACHHE CUSTOMER KO SABHI BANK WELCOME KARTI ME ICICI BANK ME HI A/C THE MAGAR HDFC BANK NIRALA BAZAR NE BAGAIR CHECK LIYE MERA A/C KHOLA AUR MERE JAISE CUSTOMER KO KHICH RAHA HAI AAJ MERA TURN OVER ICICI BANK SE 50 GUNA JAYADA HDFC BANK ME HAI AGE BHI WO ISI TARAH RAT LAGA YENGE TO DHIRE NARAZ HOKE SARE ACHHE CUSTOMER CHALE JAYENGE AGAR YE BANK KA HITLAR JAISE DESIGAN UPAR WALE LOG LETE RAHENGE TO EK DIN ICICI BANK BANTADHAR HONE SE KOI NAHI ROK SAKENGA UNKO CHAHIYE WO CUSTOMER DEKH KE USKA PROFIL CHECK KARKE DESIGAN LE NAKI GODO AUR GADHO KO EKHI LAKDI SE HAKE HUNDUSTAN ME JIS TARAH ICICI BANK UPAR AAYE HAI USI TEJI SE USKA GRAFF AB NICHE KI TARAF JAYENGA AGAR WOLOG SAMJADARI SE ACHHE DESIGAN NAHI LENGE TO CHALU AUR CHITAR TYPE KE CUSTOMER REHE JAYENGE AUR ACHHE CUSTOMER DHIRE DHIRE KARKE KHISAK JAYENGE HDFC BANK ME SE MUJE 75000.00 SE 3000000.00 KI P/L LOAN OFFER HAI MEINE WO LI NAHI HAI ICICI BANK KO JALD HI ACHHE CUSTOMER KI PEHCHAN KARNI HONGI WARNA SAMAY NIKAL JANE BAD LAKIR PITNE JAISE KAM HONGA KYOKI ME ICICI BANK AHESNMAND HOON MUJE SURU ICICI BANK SPOT MILA THA ME AGE AAYA THA IS LIYE ME YE SAB LIKH RAHA HOON ME YE SAB BAAT PEHLE UNKE FEEDBACK ME LIKH CHUKA MAGAR SAYAD GALAT ADMI KE HATHO MAIL AAYA HONGA IS LIYE UNLOG DHIYAN NAHI DIYA HAI IS AAJ ME YA SAB CONSUMER COMPLAINTS LIKH RAHA HOON TAKI SHAYAD SAHI JAGAH PONCHE INLOG LIYA GALTIYA HO RAHIHE JANE AUR SUDHRE AUR ICICI BANK KO JAYADA MAJBUT AUR TAQATWAR KARE SANJE TO BAHOT NA SAMJE THODA YHANK YOU

daer sir i for get my passwerd my no[protected] my name is panneerselvam