ICICI Bank Complaints & Reviews

Private banks do commit this mistakes due to the new young guys oftenly joining and leaving at short notice which is actually disturbing the organisation and it's transactions.

i have already got my home lone now i want full detail including total intrest for the amount and length

Iwanttooknowmyimintpoint

ICICI demat password is total crap. I lost my password about 2 1/2 years back and still could not get the password. I even went to their branch several times and still nothing happened.

I mean ICICI Demat Service is total crap.

ICICI Demat Services — Non-receipt of Statements

I've been repeatedly seeking a STT statement. To my surprise, courier company confirms that ICICI has been despatching them to my two year old address. ICICI refuses to register my complaints. May be I should shift to another bank!

HELLO,
Is ICICI listening ?

Dear Sir,

I dont have any of my Account neither in ICICI Bank nor in ICICI Demat. Since last 7-8 months i have been receiving messages on my mobile no.[protected]. It disturbs me a lot.

Requesting you to please look into the matter and stop sending me further messages.
Now is the situation i am fedup receiving all such type o[censored]seless messages.

Regards

Vikrant Gupta
Ph. No.[protected]Mumbai)

ICICI Demat Services — Account Opening with ICICI Demat

I was trying to open an account with ICICI Demat from last year. I have filled in their application nearly 4-5 times for the same purpose. Every time they will send some executive to my office to get it filled in. After that nothing is been heard from them.

This time, last month I went to ICICI Direct Jayanagr 3rd Block Branch to get this done. I was attended by a guy named Balaji Jayashekaran. They found my PAN number updated in their database last year. I was told to come there with all required documents the very next day. This time I was attended by a lady who took my signatures in their application form and all the documents. They told me it will take 4 days to delete my existing data from their database and another 5 days to get the account opened as the verification was done in ICICI Bank 3rd Block Branch that day itself in my presence. Now it has been more than 15 days and in between all these days I have been checking with Balaji the status who is Sales Manager there. Every time I hear from him the account is getting processed. Today I went there and checked with them stepping in their office, the reply was, from head office they asked further verification or signature from ICICI Bank Manager to make sure data from database is deleted. This time I was told by Balaji he has collected the signature for the same and sent it across to head office thru courier. Dont know how true is this.

Really getting frustrated with ICICI's services and hats off to them they can be proud of being one of the WORST Bank Services in India.

-Rijish
Jayanagar

my self pawar venkatesh
bank name-icici bank
client id[protected]
dp id -in302679.

so ple send dmat statement as early as possible
thanking you,

Hi u wish i could send u my executive
and i promise i will provide u lowest brokerage.

icici-demat services — non receipt of statements

My Demat a/c no is IN[protected], name C.S.Dhaveji. I am not receiving the statements, which were being sent by post/courier since last 18months. Kindly look into and arrange to send the statements periodically( quarterly or when there is any change)

Sir my account shows 200/- rs less pls do the needfull.

I want my bank statement of salary account, my acc. no.[protected], from 1st april to 31st aug 2009.please check in to the matter & please send me rply as soon as possible.

DEAR
SIR PLZ SEND MY LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS (LTJAU[protected])




REGARDS
ANIL KUMAR OJHA

DEAR SIR
PLZ SEND MY TWO WHEELER LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS (LTAUR[protected]

REGARDS,
ABHIJEET.

dear sir,
my two wheeler loan is complete.my last installment dt is 7th march 2008.
my LAN NO. IS LTRMP[protected]
AFTER TWO MONTHS I CAN'T RECEIVED NOC S.
PL SEND US NOC VERY SOON.

dear sir,
pls. mail me a/c statament up to 10/06/2008 of twowheeler loan, my a/c. number is LTSUR[protected]
THX & REGARDS, PRAFUL MONPARA

sir
i hav passed two wheeler laon for 24 months
so could not understand how it turn it to 26 months
pls check my acount and replay me fast as soon as possible
my ac./ no is LTSUR[protected]
hope u replay me
thans

Sir,
I have purchased a scooter model 'Honda Eterno' registration no. DL4S BE 9077 on[protected] from Bhasin motors on Hire Purchase agreement through ICICI bank Ltd. I still don't know my Loan Acoount No. pls. mail me loan a/c statament up to 10/06/2008 of two wheeler loan

Dear sir,

I don't have receive my loan statement for the last five months.
My loan A/C No is LTSUR[protected].

So, plz send my full statement(Principal Amt+interest Amt+Outstanding Amt) as earliest as possible.

Dear sir,

My two wheeler loan is complete. my last installment dt was 10th April 2008.
my LAN NO. IS LTmun[protected]

but still i have not received NOC from ur good bank
Pls provide me as early as possible

sir
plz send me a acount statement and my loan account no is LTLUD[protected]

PLZ SEND MY TWO WHEELER LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS (LTMUM[protected])

REGARDS,
VAISHALI

i did not get noc and plz send loan status. i have cleared all dues.

plz send status i have cleared all dues my loan no is LTTEZ[protected]

DEAR SIR
PLZ SEND MY TWO WHEELER LOAN ACCOUNTS DETAILS. MY LOAN ACCOUNTS NO IS (LTBGM[protected])

required loan statement a/c no. LTPUN[protected] till date.

Do the needful at the earliest.

Dear sir,
I lost my two weeler loan no., I need to know that Ac no.

This is my last EMI No. [protected]TP ICICI BAN[protected]september 5, 2008). please and send my loan no., and details

Address: 5/3 valliyammai St, Nerkuntram pathai, Vadapalani
Chennai - 26. Tamilnadu

CEll: [protected]

Do the needful at the earliest.

Dear Sir / Madam

My two wheeler loan was completed. my last installment dt was 10th september 2008.
my LAN NO. IS LTCVT[protected]
I need a NOC from ur BANK
Pls provide me as early as possible

Dear sir,

I have not receive my loan statement for the last year[protected]. PLEASE E.MAIL ME
My loan A/C No is LTMUM[protected].
A/C No is LAMUM[protected]
A/C No is LTTNE[protected]
A/C No is LTMUM[protected]
A/C No is LAMUM[protected]
A/C No is LTMUM[protected]

So, plz send my full statement(Principal Amt+interest Amt+Outstanding Amt) as earliest as possible.PLEASE E.MAIL ME


THANKING YOU,

TANVEER SHAIKH

Dear Sir,
My Lt no. ltjal[protected].
please send my account statement

Regards
Amit Sharma

i have not received my NOC even though i have paid all my loan installments almost 1 year back
my vehicle is bajaj ct 100 and registration number is
MH 03 AB 6156

plz send my account statement
my vehicle no is : MH 03 AJ 699
vehicle make bajaj platina

sir,
plz send my full statement for the following period(jan2008 - sep2008)
my account number is: LTCHE[protected]

DEAR SIR
PLZ SEND MY TWO WHEELER LOAN ACCOUNTS DETAILS. MY LOAN ACCOUNTS NO IS (LTMUM[protected])

BEST REGARDS
VIJAY KADAM
MOB [protected]

DEAR SIR
PLZ SEND MY TWO WHEELER LOAN ACCOUNTS DETAILS. MY LOAN ACCOUNTS NO IS (LTBNS[protected])

DEAR SIR
PLZ SEND MY TWO WHEELER LOAN ACCOUNTS DETAILS. MY LOAN ACCOUNTS NO IS (LTBNS[protected])
Plz send my forclose

Dear Sir,
please send my account statement
my a/c no. is LTJAI[protected]
And i want to get change the my bank account in which my installments are presented for the clearing.
thank you

regards
vinod sharma

please mail me my outstanding account balanc my A/C No is LTNAG[protected]
please send my account statement

Dear Sir, Morning
Can you plz provide me the full details of my loan installment that how much i paid and how much is due to me .i will be greatfull for you if you provide me as soon as possible.

Thanks
regards,
Sanjeev Bielorya

Dear Sir,
Can you plz provide me the details of my two wheeler loan my loan no is(LTDEL[protected], plz send my loan details as soon as possible

Thanks
Regards,
Sanjeev Bielorya

DEAR ONE HI,
CAN YOU PLZ SEND ME THE INFORMATION OF MY LOAN EMI AND HOW MUCH INSTAALMENTS IS DUE MY LOAN A/C NO IS (LTDEL[protected])

THANKS
REGARDS
SANJEEV BIELORYA

sir kindly give me some time to repay but it is found that

your recovery persons using unparliament languages and

threaten me for surrendering the bike without giving

any legal receipts and so on i am thankful to authorities

to co - op me in this matter. your's khan h. kabir

[protected][protected]/ 24 hrs

thankls for co -op

plz send my a/c statement my vahicle no: PB-10CE-5772
VAHICLE HONDA ACTIVA

sir,

I have a two wheeler Loan a/c LTCBT[protected] .
i need this a/c statement through my mail.

As I have taken loan for my two wheeler from your bank, & I want to know the present status of my loan my lan no is LTBUR[protected], OR U EVEN CAN CALL ME AT [protected]
tHANKS

Dear Sir,


Please send my the Loan A/c statement A/C NO . LTTHR[protected].


regards,

Viswanathan

I was take loan for two wheel frm icici but i clear 10 EMI only the last EMI was pending but form icici was show me 2 EMI why can u send my statement to my mail so i can check it.

Dear sir,
please send me my two wheeler loan statement.
my LAN is (LTSUR[protected].)

hai sir
this is santhosh kumar i have two wheeler i dont have icici loan no.my bike no KA-51-L-212 make BAJAJ DISCOVER 110 CC so i no about loan statusand i want close the loan plz do needful.i have lost my mobile previsouly i given my mobile no is [protected] now i dont have in that number please call me any quares in this number [protected]

yours
santhosh kumar

dear sir
i dont have two wheeler loan number so please send account status.my bike number KA-51-L-212 model 2007 my date of birth[protected], please send me details in my permenent address SANTHOSH KUMAR S/O I.KRISHNAPPA, DO.NO.2/62, KUMUDEPALLI VILL&POST, HOSUR T.K, KRISHNAGERI D.T, TAMIL NADU-635109

REGDS
SANTHOSH KUMAR
[protected]

I am to inform you I have taken a Two Wheeler loan from ICICI Bank, My Loan Account no is LTGHZ[protected].This month one person called me from your ICICI bank customer care and told me, your all due have cleared but one installment remain balance. I paid them due amount Rs. 1710/- on 14.11.08 but after too they call me regularly and warn.
Starting of my loan (year2005)one agent of your company deceived me amount of Rs. 2000/- from my nainital bank.So that I could maintained my account in nainital bank but I cleared my all due as per told by ICICI customer care may be dated from 10.11.08 to 13.11.08.After that they say me next payment.Their attitude be very bad. They don't know how to speak with other people. They don't clear my problem and threat me again and again against next payment.
Please look into this matter and give me right way.

Thanks

Mukesh Ch. Pandey
E-mail:[protected]@gmail.com
mobile:[protected]

DEAR SIR
i have not received my NOC even though i have paid all my loan installments.PLZ SEND MY TWO WHEELER LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS(LTDEL[protected])

REGARDS,
REETA GUPTA

We had taken lone fo the "Hundai Shine" bike with an instalments of 10 cheques (Rs: 3000-00 per cheque) to be cleared in the way of electronic bank clearence, But with the mistake made by the lone provider Mr Y.Pradeep kumar the instalments are refferd as 12 months thus we are gettin lose of Rs 6000. as soon as we had the lone the two wheller lone segment of the icici bank had been closed thus we dont know where to complaint and how to complaint. so please conceder this as the complaint and make necessary action

Thankiong you

Yours M.Krishna reddy Cell: +[protected]

HELLO SIR,

MY NAME IS - MANJUNATHA.A
MY ACCOUNT NUMBER IS - LTBNG[protected].

PLEASE SEND ME MY ACCOUNT DETAILS OF THIS LOAN .BECAUSE I AM NOT GET THE THIS ACCOUNT SEDULE .PLEASE SEND ME ASAP.


REGARDS,
MANJU

Kind Attn : Mr. Ravi Narayanan
Head Retail Assets
ICICI BANK LTD.

Sub :Foreclousure of Two wheeler Loan (Full & Final Payment – Loan No. LFDB[protected]).

Sir,
My self Arun Kumar Singh, s/o Sh. Vijay Singh, a residence of H.No.997-A,
Sector-29, Faridabad, Nr. Water Tank, 28-29 Chowk, Haryana, had take a Loan of Rs. 38000/- (Rs. Thirty Eight Thousand Only)for 18 month installment of 2539/-- each month basis, cleareance from SBI BANK, Faridabad w.e.f. 01.06.2008, from your esteem ICICI BANK, now after paying Six EMI, I wish to pay all rest amount that is 26819/- as per your letter, now I request you to not to submit your Cheque against my Loan on Tomorrow (10/12/2008), because I have arrange all necessary finance, as per told by your customer Exe. From Mumbai on 08/12/08 at 1:23 Pm, also I have faith in ICICI esteem Quality for customer help, please try to give me some rebate as it will increase my faith in ICICI & I give reference to my friends of your sincere & transparent service.
I assure you that I will clear my all dues by tomorrow 11AM, Kindly just provide your support as request avobesaid.
Note :
1. Please not put cheque on 10/12/08 for 2539/- Emi against my Loan.
2. Provide my some rebate & provide transpatent, as per market Freclousure charge is around
2%, but as per your terms, I think your bank charge me 5.62%.
3. Provide my clearance letter & N.O.C. & HOW TO CLEAR FROM HYPOTHEITACTION .

Kindly do the needful.

With Warm Thanks & Regards

Arun Kumar Singh
Loan No. : LTFDB[protected]
Faridabad
[protected]

DEAR SIR

PLEASE SEND MY TWO WHEELER LOAN ACCOUNT DETAILS AND STATEMENT . MY LOAN ACCOUNTS NO IS (LTBNG[protected])
Thanking You,

Your's Faithfully
Raghunandan.N

Dear Sir,
I have paid all 36 installments for my Bajaj Discover motor cycle Reg. no DL 8S AF4303,
Please courier My NOC & blank cheque to my following address, Sanjeev Saraswat,
C/o Envirotech Gensets Pvt. Ltd, B-1A/19, Commercial complex, Sect-51, Noida U.P.

Thanks
Sanjeev Saraswat
[protected]

Sir, I'm from walajapet-vellore i bought yamaha gladiator motorcycle with an assistance of icici two wheeler loan i submit my dues through person after my due date with penalty of rs.250 pm and other expensestowards ICICI bank representatives at that time i heard a call from chennai office and they said two dues are pending but the representative namely mr.Prasad send some anonymous thoughts with my uncle with poor words in his thoughts and say that my pending dues is 5 and otherwise u cant pay the amount was cant be paid i'll kill arun and took that two wheeles with rowdy support already once a time he fought me with some of bad words and i complaint towards ICICI customer care but they said actions be made but they cant make any actions 4 him and he went to my uncles home at the time i went out and he said that i'm the bank manager u cant give me the vehicle key i'll kill arun suddenly my uncles son give the key towards him and he took my vehicle-
ICICI can carry rowdys support to destroy INDIAN democracy

Dear sir /Madam,

I have purchased Bajaj Pulsar vechile through your bank.

Please send me the full loan statement, My loan Number is LTUMT [protected].

PLEASE DO THE NEEDFUL.

With Best Regards
Mohanraj.A

PLZ SEND MY TWO WHEELER LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS (LTCBT [protected])

Thanking you,
S.Muruganantham.

I want to know detail about my Two Wheeler loan every month on mail.
My LAN Number is : LTCAL[protected].

So, I request you to kindly send me detail evry month on my mail.

Thanking You.
Sami Ahmed

Dear Sir,
I want to know detail about my TWO WHEELER loan every month on my mail.
My LAN Number is : LTCAL[protected].

So, I request you you to kindly send me detail every month on my mail.

Thanking You,
Sami Ahmed.

I am Ashok Tembhare from Raipur i want loan detail of my bike (EMI) No. is CG 04- CW 8631 plz send me detail of my hero honda bike

Plz send me my Two weelar loan stetment Loan No.LPSRK[protected]

sir last two time iam sending the maseage but no anser sir please send my two wheelar noc iam paid icici loan my two wheelar no mh-17 W 2308 sir i am coling the nager branch but he is not respons to me i am all instalment paid for icici

sir my ac-LTCBT[protected] PLEASE SEND MY ACCOUNT DETIALS TO MY EMAIL VERY SOON

Dear Sir

I have need my Twowheeler Loan Account Statement My Loan A/C No.LTKRK[protected].So, plz send my full statement(Principal Amt+interest Amt+Outstanding Amt) as earliest as possible.PLEASE E.MAIL ME

Thanking You

Yours
Manikandan.S

DEAR SIR
PLZ SEND MY TWO WHEELER LOAN ACCOUNTS DETAILS.

MY LOAN ACCOUNTS NO IS (LTCBT[protected])

Dear sir,
This is to inform you that my loan account no is LTBBS[protected]. I have already fourclosed my loan as per the date given to me by the bank. It is mentioned in the letter given to me that my post dated cheques will be returned to me when my loan is fourclosed. i have done it since 12.12.2008. But till date i have not received my NOC as well as cheques.I have been to the bank several times without any sincere response from the authorised person. So i request your good office to take necessary steps for sending me the NOC as well as my cheques as soon as possible.
Soliciting your kind cooperation in this regard

Biswajit Rout

My two wheeler loan was completed. my last installment dt was nov 2008. BUT I'M NOT RECEIVE NOC.
my LAN NO.LTCHE[protected]. PLS SEND NOC & MY ACCOUNT DETAIL TO ME.
THANK U,

Dear sir.,
PLZ SEND MY TWO WHEELER LOAN ACCOUNTS DETAILS. MY LOAN ACCOUNTS NO IS (LTCHE[protected]), I DN'T GET FROM: Jan2008 TO Jan2009, Plz Send Detail Of (Loan amount+intrest+Balance amonut)

I have not received my NOC even through i have paid all my installments almost 10 months back my veh. is Bajaj Pulsar 150 and registration no is DL8SAC 8282 and Loan a/c no. is -- LTDEL[protected]

dear sir
my accaunt number is LTNAV[protected]
and at last 7 december 2008 my loans is completed but still now not get NOC letter and we are not ready to face undesirable things that happened with us 5 years ago, so kindly request you to send my noc letter, and also informs you that i m also tried to talk with office person situated at navsari but that person was nothing know about it and cant convince me and even not ready to talk with me.i think he is not a kindfellow for a customer care position.at last hope for positive reaction.
Patel I N

DEAR SIR
PLZ SEND MY TWO WHEELER LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS (LTHYD[protected]) THANKING YOU, SYED JAHANGIR ALI

DEAR SIR

PLZ SEND MY TWO WHEELER LOAN ACCOUNTS DETAILS. MY LOAN ACCOUNTS NO IS (LTHYD[protected])

My two wheeler loan was completed. my last installment was paid on 26.03.2007. BUT I'M NOT RECEIVE NOC.
my LAN NO.LTCHE[protected]. PLS SEND NOC immediately without any delay. Matter Most urgent

My two wheeler loan was completed two years back dt 26.03.2006.But till date I have not received
Loan account no LTCHE[protected]

Please do the needul.

dear sir, i purchase a passion+ (mh31 sw 8851) on 12/7/2008 from aditya auto agency, hypothecated to icici ltd (reducing loan facility)sir plz tell me how much amount will balance on me

PLZ SEND MY TWO WHEELER LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS (LTBNG[protected])

REGARDS,
Raghunandan.N

my loan account No. is LTHYD[protected] I have paid entire loan amount.
please send me clearance certificate.

Sir,

I have taken a two wheeler loan from ICICI Bank My Loan Account No.LTHYD[protected] and repayment schedule of installment completted on Jan-09 and i was received PDC cheques from your bank which i was deposited with you for security purpose. I thank full to you for sending the PDC cheques. In addition to the above loan i was not yet received NOC and other documents which i have to submit to RTA for clear the hypothicated details in my RC book. I request you immediately send the NOC and other documents which i have receivable from you.

My Contact No.[protected].

please do the needful.

Thanking you

K. Yadagiri
A/c.LTHYD[protected].

DEAR
SIR PLZ SEND MY LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS (LTJAI[protected])




REGARDS
MOHSIN QURESHI

DEAR SIR MY VECHICLE NO IS ;PB 28 C 8554 BAJAJ PLATINA PLS SEND NOC . MY ADDRESS M/S SINGLA AND CO. GANDHI CHOWK .CLOTH MERCHANT AHMEDGARH DISTT.SANGRUR . MY CELL NO.[protected].OR .[protected]

Dear Sir,
my Two wheeler A/c No. is LTUDP[protected]
vide this loan a/c i purchase two wheeler. and i have completed all the instalment. But still i m not getting NOC letter from your side.
I talk last time with your executive and she told me that u will received the same within a week this talk abt last months on dtd. 14.01.2009.
But now its march still i m not getting my noc certificate.
now can u help me how can i get the same.
Hansraj
[protected]
Udaipur, Rajasthan

Plz send my account number and account statment my vehicle no is : HR 03 G 9058 vehicle make TVS centra

Plz send my account number and account statment my vehicle no is : HR 03 G 9058 vehicle make TVS centra

i want to get two wheller dealership
kindly inform how to i get


regards
sateesh

DEAR
SIR PLZ SEND MY LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS (LTDEL-[protected])

My Two Wheeler Loan Please send my account statement My LAN No. LTJAI[protected]

Please send the statement for all EMI and Amount

Dear Sir / Madam

PLZ SEND MY LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS (LTBAR[protected] )

two wheeler loan was completed.
I need a NOC from ur BANK
Pls provide me as early as possible

I have completed my Two wheller loan EMI installement in march 10 2009.My account no. is LTCHE [protected]. kindly issue me the NOC certificate.

DEAR SIR
PLZ SEND MY TWO WHEELER LAON OF MAKE YAMAHA ALBA-106 ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS (LTVID[protected])

REGARDS,
SHARAD RATHORE

plz arrange statement of the loan a/c no. LTHYD[protected] to my e mail ID: [protected]@gmail.com

Thx,

- rk

dear,
Sir,
plz send my full statement my two wheeler loan a/c no.[ ltsur[protected]]

I HAVE APPLIED FOR MY TWO WHEELER LOAN NO OBJECTION CERTIFICATE, MY LOAN AGREEMENT NUMBER IS " ESKNR[protected] " ( My Loan from TATA FINANCE, iNSTALMENT PERIOD WAS 15/11/2003 TO 15/10/2005, My EMI was @ Rs.1631 per month, Brach was KANNUR, My Vehicle is HERO HONDA PASSION., I was paid all Instalment.

My Loan Agreement Number is ESKNR[protected], Now I want My N.O.C, I was applied it, But I didnt get till Now, I want My Instalment Statement, which was I paid to this Loan with the period from 15/11/2003 to 15/10/2005. Pleas mail me the detailed statement as soon possible.

DEAR SIR, PLEASE SEND ME MY ACCOUNT DETAILS OF TWO WHEELER LOAN FROM TATA FINANCE WITH AGREEMENT NUMBER "ESKNR[protected]", AND I WANT MY N.O.C. FOR CLOSE THE LOAN

Respected Sir, Please send me my Account Details of Two Wheeler Loan from TATA FINANCE with Agreement No. ESKNR[protected]

Dear Sir,
Can you plz provide me the details of my two wheeler loan my loan no is(LTKLR[protected]), plz send my loan details as soon as possible.


Regards,

Harshavardhanreddy
Mob No: [protected]

my lan no ltsag[protected] please send me my loan details
i want to close my loan account
i purchese platina 100 cc from bajaj dealer

Plz send status my loan no is : LTBNG[protected]
still how many months i have pay the loan pls send me the details till how many months i have to pay list and all as soon possible. i'm planning to pay 1shot payment my vehicles due's and all.


pls as soon let me know the details.


thanking u

Plz send status my loan no is : LTBNG[protected] and my vehicle no : ka-05 he-6013
still how many months i have pay the loan pls send me the details till how many months i have to pay list and all as soon possible. i'm planning to pay 1shot payment my vehicles due's and all.


pls as soon let me know the details.


thanking u

PLZ SEND MY TWO WHEELER LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS
LTHYD6543819
FROM SRIDHAR.KALAKONDA

bajaj

DEAR SIR
PLZ SEND MY TWO WHEELER LAON ACCOUNTS DETAILS MY LOAN ACCOUNTS NO IS (LTIUC [protected] )

Dear Sir,

Kindly send full account statement of our Loan Account No. LTBRJ[protected]

we are waiting for your action. Thanks & Reards
manmohan singh

Dear sir,

My two wheeler loan is complete. my last installment dt was 10th May 2009.
my LAN NO. IS Lthyd[protected]

but still i have not received any statment yet.
how get NOC from ur good bank

Pls provide me as early as possible

Regards,

HEMANTH KURRA

My Loan No. 8730 Docket No .[protected] Please tell me position B'caz i cleared my all cheques I want my NOC

Dear Sir / Madam

My two wheeler loan was completed. my last installment dt was 10th November 2008.
my LAN NO. IS LTPUN[protected]
I need a NOC from ur BANK
Pls provide me as early as possible

Dear Sir I have to finance a bike of bajaj company 'Discover' in ICICI bank . You have to send detail my loan instalment of 2 wheeler loan.My .Loan A/C number is LTJBL[protected]. please give detail my total instalment paid and dues instalment . please soon as possible
Thanks

I have taken two wheeler loan from ICICI and cleared. I have not received NOC releasing from hypothecation.
Now, the papers having loan a/c number were misplaced somewhere. Kindly suggest how I can get this NOC from ICICI. Can I get by furnishing vehicle number.

my two wheeler loan a/c no: LTCHE [protected]. I have paid all the dues. i completed my loan by Oct 2008. But still I did not receive the NOC for ICICI Bank. I request you to send the NOC to my address or my email id.
Thanking you,

with regards,
k.paramasivan

ICICI Bank — Unauthorised deduction from borrowers account

In Apr. 2007, ICICI bank failed to intimate me about the raise in EMI. I received this information only during Jun.

Promptly I made a part payment to reset the EMI & opted for ECS which was linked to my SB account.

ICICI claims that I have to pay the difference in EMI for 3 months. It has even gone ahead and deducted this amount from my account without even intimating me or taking my approval.

First, it is the duty of the bank to intimate the borrower about changes in EMI.

Second, the bank has no authorisation to deduct money from accounts without prior approval of the account holder.

In spite of repeated mails to ICICI, they are not accepting the mistake & insist that they are correct.

savings bank account — unauthorised deduction of money & non refund of the amount

Sub:- Deducting money without authorization and non refunding the deducted amount.

Dear Sir,

On 14/03/08 ICICI BANK deducted Rs48000/- (Rs 12000/- four times) without any instruction from my s.b.a/c no[protected] of ICICI Bank Ghaziabad and credited to some other persons life insurance policy account .On giving repeated complaint with customer care of bank it was intimated that deduction was done by mistake on the part of bank. Rs 36000/- was credited back into my account after 2 weeks. The balance amount of Rs. 12000/- is yet to be returned to me though more than one month has passed. Kindly do the needful for getting the remaining amount of Rs 12000/ back into my account with monetary compensation for hardships and interest due. Both
Ghazibad branch official and centralised online transection and customer care are passing buck to each other without owning responsibility for solving the problem. Similarly both savings banks services & demat services are not owning the resposnibility

K.G.Jayamini

ICICI Credit cards — unauthoried deduction from salary account

Dear sir,

on 16th december 2008, a total of Rs.41240.80 was directly deducted from my
ICICI Bank salary account.The message indicated that this amount was deducted
for my credit card settlement.But unfortunately i was never been notified about this
by the credit card department either by phone calls or by mails.
further, with out the prior intimation or authoriation from the customer how can the
ICICI credit card department deduct this huge amount from a persons SB account.

i fear if ICICI would ruin my life in future, by performing such unauthoried illeagal
transaction with in their departments.

i would request you to kindly help me from this disaster, or otherwise it would put
my life in a miserable situation.

even after repeated notification of the change of my earlier residence, its the mistake
by ICICI credit card department for not updating my new residential address.
because of which i was not in a position of recieving any of their mails or statements.

i would hence request you to kindly provide me with a solution.

Name : Mr.Praveen Nair
Phone : +91 [protected]
ICICI credit card no. - [protected]
ICICI S/B Account[protected]

awaiting a reply,
regards,

Praveen Nair

My case is also similar to your's. I have lodged a complaint in my HR deptt.

This has ref. with the unlawful practices initiated by ICICI Bank with our corporate salary accounts.
I have my salary account with ICICI Bank since Aug. 2006…..A/c No. 0322****2824.
ON 16th march, I received an SMS from ICICI stating that Rps 37, 6876 has been debited from my salary account to compensate the payment of my another ICICI credit card.
My Credit card and the Debit card both are independent things, how can they mix both accounts.
This has been done without any prior information.
I am amazed that how can they do this without informing the account holder or the company.
kindly advise.


Best Regards,
Sunil Sharma
Executive, Tr-2
Delhi International Airport (P) Limited
IGI Airport, Terminal 2
New Delhi - 110 037
LandLine No. [protected]
Mobile No. [protected]
Email: sunil.[protected]@gmrgroup.in
Website: www.newdelhiairport.in

This is one of the reason which led me believe that ICICI bank cheates its customers and take away the hard earned money of the persons who put their faith in icici bank. I tell one and all to boycott ICICI Bank

my selary account in your branch (Bathinda Punjab).A/C[protected], i am working in HFCL infotel ltd,
but 2 time deabit amount Rs 827 without any information.
So plz justify & revers Amount my a/c

Thanks
puneet srivastav
[protected]

my selary account in your branch (Bathinda Punjab).A/C[protected], i am working in HFCL infotel ltd,
but 2 time deabit amount Rs 827 without any information.
So plz justify & revers Amount my a/c

Thanks
puneet srivastav
[protected]

I have a saving bank account with TEYNAMPET P.O. (Tamil Nadu) No.3320335. A cheque purported to have been issued by me on 13/2/03 was neither entered in the pass book nor in their (Postal Dept) ledger and they have been making claim from me without providing any evidence. Due to their frequent reminders, I have issued a cheque for Rs.3500/- on S.B.I Raja Annamalaipuram asking them to produce the cheque purported to have been issued by me before cashing my cheque. However they have encashed my cheque for Rs.3500/- WITHOUT PRODUCING the evidence (THE CHEQUE) for my perusal. I have also written several letters to the Post Master General, Mount Road, Chennai 600002 in this connection and there was no reply. PLEASE INVESTIGATE.
P.L.Subramaniam
167 St. Mary's Road,
S.B.I OFFICERS' COLONY
Chennai 600018. Tel No 24995159 e-Mail address: [protected]@yahoo.co.in

ICICI — unauthorised deduction from savings bank account

I have a savings salary account with ICICI Bank.

Last weekend ICICI bank has deducted about Rs 14,000 from my salary account. I called ICICI customer care and they told it has been linked with the credit card I used to have around 3 years ago. There was a disputed amount of around 3-4 thousand which after my repeated complaints, was never taken care of and it seems they kept charging interest and other fees. I had always been willing to pay all the genuine expenses I have made through the card however the bank should refund the unreasonable charges.

I had asked for settlement but never got any letter for settlement and now suddenly they have deducted this amount from my salary account last monday.

As far as I know the savings account and credit card both are separate entities in a Bank. Bank cannot make any transaction without my consent. This is totally unacceptable and frustrating. I even called up customer care but in vain.


Kindly suggest how can I recover.
Any help would be highly appreciated.

Suchait Sachdeva
suchait.[protected]@gmail.com
credit card: [protected]

********************************************************************************...⇄
Developing a Formal Invitation
1. Place Samford's seal or logo at the top. (Seal use must be approved by President's Office.)

2. List the name(s) of the host(s), using the host's full name. Omit honorifics such as Dr., Mr., Mrs. and Ms. unless the person holds an official rank.

The host's title goes on a line beneath the host's name. When there are multiple hosts, the most senior person's name is listed first. The exception to

this rule is for the president and spouse (i.e., "President and Mrs. Andrew Westmoreland, " no title beneath).

3. Extend the invitation.
very formal: "request(s) the pleasure of your company at"
less formal: "cordially invite(s) you to"

4. List the event, such as "dinner, " a reception" or "lunch."

5. Give the purpose of the event (i.e., "in honor of...").

6. Give the date.
very formal: "Friday, the twelfth of February"
less formal: "Friday, February 12"

7. Write out the time (i.e., "at seven o'clock"). Add "in the morning, " "in the afternoon" or "in the evening" if the event title doesn't give an

indication. It would be unnecessary to list "in the evening" if the event is a dinner, for example.

8. Give the location, including street address. For campus buildings, state the room within the building and the building name. For an off-campus

property, state the full name, street address and city.

9. List any special instructions, such as "map enclosed."

10. List R.S.V.P. information. If you are issuing an invitation without a separate response card, print the address and telephone number of the person

handling replies. If you are supplying response cards, state "Response card enclosed." Do not list a cutoff date for a reply.

Formal Invitation Sample
J. Bradley Creed
Provost and Executive Vice President
requests the pleasure of your company
at dinner
in honor of Walter Isaacson
Friday, the twelfth of February
at seven o'clock
in the Grand Ballroom
The Club
One Robert Smith Drive
Homewood

map enclosed

R.S.V.P. Office o[censored]niversity Relations
[protected]



Semiformal Invitation Sample
President and Mrs. Andrew Westmoreland
cordially invite you
to dinner
to welcome the university's new provost
Friday, February 12
at 7 p.m.
in the Flag Colonnade
Ralph Waldo Beeson University Center

Response card enclosed


*************
1. Place Samford's logo at the top.

2. List the name(s) of the host(s). Omit honorifics such as Dr., Mr., Mrs. and Ms. unless the person holds an official rank. The host's title goes on a

line beneath the host's name. When there are multiple hosts, the most senior person's name is listed first. The exception to this rule is for the

president and spouse (i.e., "President and Mrs. Andrew Westmoreland, " no title beneath).

3. Extend the invitation.
semiformal: "cordially invite(s) you to"
informal: "invite(s) you to join us"

4. List the event, such as "dinner, " a reception" or "lunch."

5. Give the purpose of the event (i.e., "in honor of...").

6. Give the date (i.e., "Friday, February 12").

7: State the time (i.e., "at 7 p.m.").

8. Give the location, including street address. For campus buildings, state the room within the building and the building name. For an off-campus

property, state the full name, street address and city.

9. List any special instructions, such as "map enclosed."

10. List R.S.V.P. information. If you are issuing an invitation without a separate response card, print the address and telephone number of the person

handling replies. If you are supplying response cards, state "Response card enclosed." Do not list a cutoff date for a reply.

Informal Invitation Sample
Bobby Bryant
Dean of the McWhorter School of Pharmacy
and
Matt Kerlin
Minister to the University
invite you to join us
for a picnic lunch
to celebrate the new medical missions program
Friday, February 12
at 12 p.m.
at Ben Brown Plaza
********************************************************************************...⇄
The term 'Assessment Centre' can be defined as ‘A method for assessing aptitude and performance; applied to a group of participants by trained

assessors using various aptitude diagnostic processes in order to obtain information about applicants' abilities or development potential.’

As you can see, this does not refer to a location, but to a process which is being increasingly used by organizations to assess staff, either as part of

the recruitment process or for internal promotion. Assessment Centres allow you to demonstrate aptitude and general skills related to the requirements of

the job.

The Assessment Centre develops a set of varied exercises which are designed to simulate different aspects of the work environment. These exercises

usually last from half-a-day to two full days. They are usually conducted at the employer's training facility or in facilities provided by the HR

consultancy, that have been contracted to design and conduct the testing.

Types of Assessment and Development Centre Exercise
The most common type of assessment centre exercises include:



An in-tray or in-basket exercise asks to assume a particular role as an employee of a fictitious company and work through the correspondence in your

in-tray. This exercise is designed to measure your ability to organize and prioritize work.

In a presentation exercise, you will be given a topic or possibly a choice of topics and asked to make a presentation of around ten minutes with five

minutes at the end for questions. This is designed to measure your presentation skills including your ability to organise and structure the information and

to communicate your points clearly and concisely.

Group discussion exercises involve you working with other candidates as part of a team to resolve a presented issue. These exercises are designed to

measure interpersonal skills such as group leadership, teamwork, negotiation, and group problem solving skills.

Panel interviews are regarded as a more objective means of assessing your suitability as you will be interviewed by between three and five people and

therefore the decision is not reliant on just one person's opinion. In addition, they are usually more structured than a one-to-one interview as the panel

need to assess all of the candidates against the same criteria.

The expense of conducting an assessment centre is usually somewhere between $1, 000 and $5, 000 per candidate. This tends to restrict their use to

situations where the costs can be justified in terms of preventing high expenses associated with unsuitable personnel e.g. high staff turnover or poor job

performance resulting in low productivity.

Assessment centres are seen as one of the most effective ways of identifying top candidates who'll get on well with others and fit in with the

organizations culture. According to the Chartered Institute of Personnel and Development's ‘Recruitment, Retention and Turnover 2004 Survey’, 34 per

cent of employers now use assessment centres when recruiting managers, professionals and graduates. This figure will inevitably grow as organizations

seek to make more accurate selection and promotion decisions.

The assessment centre method is utilized in a variety of settings including industry and business, government, armed forces, educational institutions, and

safety forces to select individuals for supervisory, technical, sales, or management positions. One recent trend is in the development of mass testing.

This is done by video-taping candidates as they perform various exercises and by using objectively scored exercises. This permits the assessment of a

much larger number of candidates per day as the scoring is done later and requires far less observation and administration.



Assessment centres are usually used after the initial stages of the selection process, because of the large amount of time and expense in conducting

them, and usually follow the initial job interview. Other measurements such as psychological tests may complement the selection process. They are

commonly held either on employers’ premises or in a hotel and are considered by many organizations to be the fairest and most accurate method of

selecting staff. This is because a number of different selectors get to see you over a longer period of time and have the chance to see what you can

do, rather than what you say you can do, in a variety of situations.

How are the Assessment and Development Centre Exercises Conducted?
Assessment Centres may be conducted by HR personnel within the employer company or by outside consultants. They are highly structured in their

design, application, and assessment procedure and are specifically adapted to assess factors such as your level of skills, aptitude and compatibility with

the organization's culture. Each test measures a range of indicators within these factors.

During each test, a group of observers will rate you on a range of set indicators, using a prescribed performance scale. Results are then cross compared

against the same indicators, which are measured in other tests. Following test completion, observers meet to discuss the test results and reach a group

consensus about your ratings.

At the beginning of the assessment, you should receive an initial briefing about the timetable of tests, location of rooms etc. Prior to each test, you

will be given instructions describing the exercise, your role, timeframe's, equipment etc. You will not be told in detail about the individual indicators

which will be measured. In addition, you are unlikely to receive feedback on your results, unless you have been successfully selected.
********************************************************************************...⇄


-cooperation aggressiveness, LEADERSHIP does it make sense

Great attitude = great managers
The prime impetus to pursue a management specialisation is the fact that it is the most sought-after qualification today. There is no denying the

importance of management education, since it is the acquisition of this knowledge that instils a new confidence and poise, making individuals ready to

meet the challenges and opportunities of the corporate world.

But beyond the management concepts and skills that you imbibe at B-school, the one critical aspect that makes or mars your career is attitude. The

right attitude centres on the WIN principle -- Work hard, Innovate and Never give up.

Most people work for 25 to 30 years, which can be broadly divided into four phases of five to seven years each. The first lasts roughly five years

during which you learn to perform as an individual and as part of a team. Along the way you learn the significance of individual performance to the

results achieved by the team.

In the second phase, when the individual leads the team as a manager, he learns that he is as good as his team. If he is able to motivate his team to

put in 100 per cent, he can deliver 100 per cent. In the process, he hones his people management, relationship building, crisis resolving and

decision-making skills.

The third and fourth phases are the most critical, where the practical training and exposure of the first two phases are instrumental in helping you

withstand the pressures of the top and succeed.

In the fourth phase, you are expected to take care of the CEO: Customers, Employees and the Organisation/owners. That's where your experience,

foresight and understanding of the business model and its needs come into play. Remember, the top of the pyramid is narrow -- there's room only for

the best.

Aggressive
Aggressive managers who blame others when things go wrong are more likely to get promoted than managers who feel guilty and accept responsibility for

failure – or so many employees believe.

co-operative manager
What is a co-operative manager? The obvious answer is - the manager of a co-operatve. But, the question goes beyond the literal - it is a critical

question for all co-operatives because managers of co-operatives require co-operative specific commitments and skills.

In appointing managers who do not have the necessary co-operative commitment and skills, co-operatives are introducing a risk that could eventuate in

co-operative failure - as a co-operative if not as a business.

See also the paper: Why do co-operatives fail as co-operatives?

The boards of co-operatives are accountable to members for the managers they appoint. Boards have to recruit managers who have the competencies

required to manage the co-operative but also to reflect and reinforce co-operative values and principles.

A board must have a capacity to judge the required competencies of a manager for the co-operative- including how and when a co-operative manager

reflects and reinforces co-operative values and principles. There are general competencies required of all managers and these include:

Understanding and setting goals and targets.
Staff management.
Time management.
Financial management.
Making effective and efficient decisions.
Distinguishing between data and information.
Understanding the differences between causes and consequences.
Using technology effectively and efficiently.
Selecting and using advisers.
The management of conflict.
In addition, there are the specific competencies required for a co-operative that depend on the nature of the business, its developmental stage, its size

and its technological complexity.

Leadership
Leadership skills are needed at every level in the organization. Consistent training and approach from the executive level through managers and

supervisors will help all in the organization develop their leadership skills.
In any organization leadership qualities can always be expanded. With Six Sigma Plus one of the objectives is to expand the concept of leadership skills

beyond that of organizational position. Frequently people equate leadership with some title, position, or rank. Those who have demonstrated leadership

qualities frequently have these titles. Unfortunately there are cases where the title or position has been granted before the leadership skills have been

developed. This is an indication of lapse of leadership responsibility by those who place an unprepared person in a role requiring extensive leadership

skills. Too often very successful technical people are placed in roles with leadership requirement without being prepared. The best engineer is made

Engineering Manager or the best operator is made Supervisor. None o[censored]s would allow people untrained in Civil Engineering to design and build a major

highway. Neither would many o[censored]s willingly go into surgery with the person performing the operation having no training in medicine. Yet many of our

management and supervisory positions are filled with very competent technical people with little preparation for management or supervisor duties. In those

cases there are basically two options. One is to move along and hope that instinct and a good support structure will be adequate. The second option is

begin accelerated leadership training aimed at developing the leadership skills and knowledge base required for a leadership position.

One measure of success in leadership is the cultivation of employees. This employee empowerment and employee motivation makes leaders much more

effective and efficient

Theory Z is an approach to management based upon a combination of American and Japanese management philosophies and characterized by, among other things, long-term job security, consensual decision making, slow evaluation and promotion procedures, and individual responsibility within a group context. Proponents of Theory Z suggest that it leads to improvements in organizational performance. The following sections highlight the development of Theory Z, Theory Z as an approach to management including each of the characteristics noted above, and an evaluation of Theory Z. Realizing the historical context in which Theory Z emerged is helpful in understanding its underlying principles. The following section provides this context.

DEVELOPMENT OF THEORY Z
Theory Z has been called a sociological description of the humanistic organizations advocated by management pioneers such as Elton Mayo, Chris Argyris, Rensis Likert, and Douglas McGregor. In fact, the descriptive phrase, "Theory Z." can be traced to the work of Douglas McGregor in the 1950s and 1960s. McGregor, a psychologist and college president, identified a negative set of assumptions about human nature, which he called Theory X. He asserted that these assumptions limited the potential for growth of many employees.

McGregor presented an alternative set of assumptions that he called Theory Y and were more positive about human nature as it relates to employees. In McGregor's view, managers who adopted Theory Y beliefs would exhibit different, more humanistic, and ultimately more effective management styles. McGregor's work was read widely, and Theory Y became a well-known prescription for improving management practices.

But in the 1970s and 1980s, many United States industries lost market share to international competitors, particularly Japanese companies. Concerns about the competitiveness o[censored]. S. companies led some to examine Japanese management practices for clues to the success enjoyed by many of their industries. This led to many articles and books purporting to explain the success of Japanese companies. It was in this atmosphere that Theory Z was introduced into the management lexicon.

Theory Z was first identified as a unique management approach by William Ouchi. Ouchi contrasted American types of organizations (Type A) that were rooted in the United States' tradition of individualism with Japanese organizations (Type J) that drew upon the Japanese heritage of collectivism. He argued that an emerging management philosophy, which came to be called Theory Z, would allow organizations to enjoy many of the advantages of both systems. Ouchi presented his ideas fully in the 1981 book, Theory Z: How American Companies Can Meet the Japanese Challenge. This book was among the best-selling management books of the 1980s.

Professor Ouchi advocated a modified American approach to management that would capitalize on the best characteristics of Japanese organizations while retaining aspects of management that are deeply rooted in U.S. traditions of individualism. Ouchi cited several companies as examples of Type Z organizations and proposed that a Theory Z management approach could lead to greater employee job satisfaction, lower rates of absenteeism and turnover, higher quality products, and better overall financial performance for U.S. firms adapting Theory Z management practices. The next section discusses Ouchi's suggestions for forging Theory Z within traditional American organizations.

THEORY Z AS AN APPROACH TO MANAGEMENT
Theory Z represents a humanistic approach to management. Although it is based on Japanese management principles, it is not a pure form of Japanese management. Instead, Theory Z is a hybrid management approach combining Japanese management philosophies with U.S. culture. In addition, Theory Z breaks away from McGregor's Theory Y. Theory Y is a largely psychological perspective focusing on individual dyads of employer-employee relationships while Theory Z changes the level of analysis to the entire organization.

According to Professor Ouchi, Theory Z organizations exhibit a strong, homogeneous set of cultural values that are similar to clan cultures. The clan culture is characterized by homogeneity of values, beliefs, and objectives. Clan cultures emphasize complete socialization of members to achieve congruence of individual and group goals. Although Theory Z organizations exhibit characteristics of clan cultures, they retain some elements of bureaucratic hierarchies, such as formal authority relationships, performance evaluation, and some work specialization. Proponents of Theory Z suggest that the common cultural values should promote greater organizational commitment among employees. The primary features of Theory Z are summarized in the paragraphs that follow.

LONG-TERM EMPLOYMENT
Traditional U.S. organizations are plagued with short-term commitments by employees, but employers using more traditional management perspective may inadvertently encourage this by treating employees simply as replaceable cogs in the profit-making machinery. In the United States, employment at will, which essentially means the employer or the employee can terminate the employment relationship at any time, has been among the dominant forms of employment relationships. Conversely, Type J organizations generally make life-long commitments to their employees and expect loyalty in return, but Type J organizations set the conditions to encourage this. This promotes stability in the organization and job security among employees.

CONSENSUAL DECISION MAKING
The Type Z organization emphasizes communication, collaboration, and consensus in decision making. This marks a contrast from the traditional Type A organization that emphasizes individual decision-making.

INDIVIDUAL RESPONSIBILITY
Type A organizations emphasize individual accountability and performance appraisal. Traditionally, performance measures in Type J companies have been oriented to the group. Thus, Type Z organizations retain the emphasis on individual contributions that are characteristic of most American firms by recognizing individual achievements, albeit within the context of the wider group.

SLOW EVALUATION AND PROMOTION
The Type A organization has generally been characterized by short-term evaluations of performance and rapid promotion of high achievers. The Type J organization, conversely, adopts the Japanese model of slow evaluation and promotion.

INFORMAL CONTROL WITH FORMALIZED MEASURES
The Type Z organization relies on informal methods of control, but does measure performance through formal mechanisms. This is an attempt to combine elements of both the Type A and Type J organizations.

MODERATELY SPECIALIZED CAREER PATH
Type A organizations have generally had quite specialized career paths, with employees avoiding jumps from functional area to another. Conversely, the Type J organization has generally had quite non-specialized career paths. The Type Z organization adopts a middle-of-the-road posture, with career paths that are less specialized than the traditional U.S. model but more specialized than the traditional Japanese model.

HOLISTIC CONCERN
The Type Z organization is characterized by concern for employees that goes beyond the workplace. This philosophy is more consistent with the Japanese model than the U.S. model.

EVALUATION OF THEORY Z
Research into whether Theory Z organizations outperform others has yielded mixed results. Some studies suggest that Type Z organizations achieve benefits both in terms of employee satisfaction, motivation, and commitment as well as in terms of financial performance. Other studies conclude that Type Z organizations do not outperform other organizations.

Difficulties in the Japanese economy in the 1990s led some researchers to suggest that the widespread admiration of Japanese management practices in the 1970s and 1980s might have been misplaced. As a result, Theory Z has also received considerable criticism. It is unclear whether Theory Z will have a lasting impact on management practices in the U. S. and around the world into the twenty-first century, but by positioning target research at the organizational level rather then the individual level, Ouchi will surely leave his mark on management practice for years to come.
********************************************************************************...⇄
OverviewIn the search for organisational success, many business organisations have sought to adopt what appear to be successful Japanesemanagement methods. The leading theorist in this field is William Ouchi, who, drawing on earlier work, has described the Japaneseapproach to management as ‘Theory Z.’(a) William Ouchi, a Japanese American, has concerned himself with comparing Japanese management techniques withAmerican. Ouchi uses the term ‘Theory Z’ for firms which use Japanese methods adapted to the Western system. Suchorganisations display certain characteristics:
–workers and managers trust their superiors
–a much longer time horizon is the norm; the idea of short
-term profit is rejected in favour of long-term growth
–there is a team approach. Departments see their position within the organisation as a whole
–a caring, paternal management unhampered by unions, demarcation or professional prejudices
–generalised training. Managers learn the business, not just parts of it
–a flexible organisation structure
–collective values and company wide rewards
–slow, but known promotion–lifelong employment.
(b) Theory Z requires an emphasis on interpersonal skills and group and team working; decisions are based on consensus, but, unlike in Japan from where the idea originates, responsibility remains with the individual.Trust and informal relationships are the keystone of Theory Z organisations, even though the formal hierarchy andorganisational traditional structure remain.It is often compared to Macgregor’s Theory Y approach in that it is seen as a more caring, sensitive and effective way ofachieving organisational success.The theory is dependent upon the demands of the organisational situation. Some organisations, as a consequence of theirproduct or service do not provide a suitable environment for the use of motivational techniques associated with Theory Z. Its strength lies in the fact that because of improved standards of education and changed social and political values, manyemployees have wider expectations from the workplace and expect to be consulted and to participate.The application of Theory Z will therefore depend upon:
–the organisational culture, structure and objectives
–the procedures and practices involved in the organisation
–the technology, environment and product or service
–the organisation’s history and attitude
–the level of satisfaction that already exists in an individual’s task or role

nature and type of budgeting ? explain zero base budgeting ?
nature and type of budgeting ? explain zero base budgeting ?

nature>

Determining what are the different types of budgeting could greatly facilitate the budgeting process. Types of budgeting depends on the use of the budget which could either be personal or business budgets.
Business and Personal Budgets
Budgeting is simply the creation of a plan to properly manage money. Budget usually covers a period of time for instance, one-year or five-year budget plan. It helps in the monitoring of cash flow so debt will be greatly reduced or totally eliminated.

What are the different types of budgeting? There are different types of budgeting depending on the use of the budget. For business use, Business Budget Types could come in the form of Capital Budgets, Operating Budgets and Cash Budget.


Capital Budgets
Capital budgets pertain to the allocation of money for investments and assets of the company. Operating Budgets are needed for the operational goals of the business such as the how much money to be allocated for the total operating expenses or determining the profit goals within the year. Cash Budget refers to the cash flow of the business – the cash in and cash out allocations.

Types of budgeting however do not only cater for business use alone. Another way to address the question 'what are the different types of budgeting' would be to include the Personal Budget Types. These budget types are directed towards the expenses and income of the family or even an individual. The type of budgets that fall under personal budget are : Envelope Budgeting and Spreadsheet Method.


Envelope Budgeting
Envelope budgeting is so-called because money is allocated by making an envelope for each expense that are normally incurred each month such as electricity or phone bills. The most common budgeting type however is the spreadsheet budgeting. In a standard spreadsheet, the expected income for the month is put at the top then expected expenses are subtracted from it. To do this in reverse, one can compute the total expenses in order to determine how much income the individual or family must come up with in order to cover all.

Knowing what are the different types of budgeting would greatly simplify the budgeting processes for both company and personal use. Having a budget could help one achieve optimal use of money and the resources at hand.
Zero-base budgeting
Zero-base budgeting does not use the previous year's budget or expenses in setting a new budget, since the company’s circumstances and finances may have changed. When building a budget from a zero base, every expense must be justified. This differs from only having to explain the amounts requested in excess of the funding received during the prior year or quarter. Zero-base budgeting helps you control spending and expenses because you build your budget from zero rather than building your budget on top of what was spent during the prior period funded


Introduction

I originally prepared this page for another client but felt that this was a better place for it!

From my researches over the years, I think you will find that this is the best summary article on the subject of zero base budgeting that you are likely to see.

Zero base budgeting hasn't exactly set the budgeting world on fire but it does have a lot to recommend it. Read this page and make up your own mind, though!

The Name Zero Base Budgeting!

The name zero base budgeting derives from the idea that such budgets are developed from a zero base: that is, at the beginning of the budget development process, all budget headings have a value of ZERO. This is in sharp contrast to the incremental budgeting system in which in general a new budget tends to start with a balance at least equal to last year's total balance, or an estimate of it.

Definition of Zero Base Budgeting (ZBB)

A method of budgeting whereby all activities are reevaluated each time a budget is set. Discrete levels of each activity are valued and a combination chosen to match funds available.
CIMA Terminology

This is not a very comprehensive definition; after all, it is not very descriptive as we'll see; and it does not mention the attainment of corporate objectives. Still, it's a beginning.

Objectives and Benefits of ZBB

What zero base budgeting tries to achieve is an optimal allocation of resources that incremental and other budgeting systems probably cannot achieve. ZBB starts by asking managers to identify and justify their area(s) of work in terms of decision packages (qv).

The way that ZBB forces managers to justify their work is by saying to them that unless and until they put forward a budget that more senior management can support, at least to a large extent, the budget will not be approved and funded. If ZBB is applied as literally as it is designed, then unjustified work simply stops, no matter who the boss is and no matter what work they are doing.

An effective zero base budgeting system benefits organisations in several ways. It will


Focus the budget process on a comprehensive analysis of objectives and needs
Combine planning and budgeting into a single process
Cause managers to evaluate in detail the cost effectiveness of their operations
Expand management participation in planning and budgeting at all levels of the organisation
(adapted from President Carter's memorandum referred to below)
Example of ZBB and Decision Packages

In order to explain ZBB, it's best if we work through an example. We'll keep the argument simple so that the concepts are clear.

Duncan plc consists of three departments A, B and C; and each department is in the process of preparing its budgets for the coming financial year. In addition to its mainstream work, each department is trying to secure funding for 2 new projects. However, only a total of two of these projects can be funded in addition to basic departmental funding, due to financing constraints.

A decision package is a plan or budget for each project or departmental plan. The decision aspect relates to each budget being decided on as being accepted or rejected; and it's called a package because, essentially, that's what it is: a whole package of initiatives, ideas and proposals. Table 1 illustrates decision packages for Department A.

It is also possible that the work of each department can be sub contracted by the organisation if it feels that an outside contractor can provide a better service than the internal departments. In practice, we see this kind of idea in the sub contracting of school meals, sub contracting refuse collection by Local Government … and the Xerox Corporation allowing its divisions to buy in payroll services and expertise from accounting organisations other than its own accounting department. For the sake of brevity, we won't pursue outsourcing here.

Dear sir, my saving account is in icici bank Haldwani. from few days your site icicibank.com is not working in my computer.

sir/mam

I had applied for credit card one month back[protected] by on-line process and my application number is :[protected]. my phone no is +91-[protected].I want to know the status of my credit card. Enquiry had also been over

I AM CREDIT CARD HOLDER OF YOUR BANK. TODAY I RECEIVED A SMS THAT RS.5490/- HAS BEEN DEBITED FROM MY ACCOUNT. BUT I HAVE NOT MADE ANY TRANSACTION OF RS.5490/-. PLEASE DO NOT DEBIT MY ACCOUNT AS I NEVER CONSENTED FOR ANY SCHEME WHATSOEVER. THE TELEPHONIC TALK OF DATE WAS INFORMATIVE IN NATURE AND I NEVER CONSENTED TO DEBIT MY ACCOUNT. I PLACE MY RESENTMENT IN THIS REGARD AND SUCH TYPE OF SALE GIMMICKS FROM CALL CENTRE PEOPLE REPORTEDLY FROM YOUR BANK WILL DEFINATELY JEOPARDISE THE IMAGE AND REPUTATION OF THE BANK AS EVEN THE PHONE BANKING OFFICER WAS HELPLESS TO SAY TILL THE AMOUNT IS BILLED IN MY ACCOUNT. PLEASE LOOK INTO THE MATTER AND CONFIRM THROUGH MAIL THAT YOU HAVE NOT DEBITED THE AFORESAID AMOUNT. ANY BANKER IN THE WORLD DO NOT HAVE ANY RIGHT TO DEBIT THE ACCOUNT OF ITS CUSTOMER WITHOUT ITS BONAFIDE MANDATE AND AUTHORITY
RITA PURI
MOBILE [protected]

i am icici bank card holder no[protected]. i request your executive on phone to remove the late charges . as i am unable to get statement or phone alert .please see the matter and remove the late payment charges.

not receiving qly. bank statement since Dec.2007 for my account no. [protected] and loan acount certificate against loan account no LBNAG [protected] for a/c year ending March 07, and March 08. Kindly expedite the same, Regards, K.M.BALANI

pl. send Qly. Bank Statement for the period Dec.2007 to till date, as we are not geting the same from Bank.Also we are not receiving certificate against Loan a/c No. LBNAG [protected], pl. arrange to send for a/c year ending March07 and March 08, showing Interest and Capital paid separately Regards, K.M.BALANI

Ihave been informed that imint card has been issued to me but no imint card has been received . My rward points are being transfered to imint avery month . customer care reply is not satisfactory, thanks pravin kumar.

Sir my name is Venu s/o Lakshminarayana.My dad has took vehicle loan from your bank with collabration with RMP in Chikkaballapur(Dt), Karnataka.
My dad is paying balance amout every month Chikkaballapur post office as their agreement.But the bank emplayees are not withdrawing money monthly and they are asking us to pay money at my nativeand they are not giving our check-book back.
Sir please enqire on this topic.
Thank you sir.

SIR, I AM A CREDIT CARD HOLDER OF YOUR BANK SOME DAYS BEFORE I RECIEVED YOUR E-MAIL THAT RS 250/HAS BEEN DEBITED FROM MY ACCOUNT BUT I HAVE NOT MADE ANY TRANSACTION OF RS 250/ PLEASE DO NOT DEBIT MY ACOUNT AS I NEVER CONCENTED FOR ANY SCHEME WHAT SO EVER PLEASE LOOK IN TO THE MATTER AND CONFIRM THROW MAIL THAT YOU HAVE NOT DEBITTTED THE AFORESAID AMOUNT ANY BANKER IN THE WORLD DO NOT HAVE ANY RIGHT TO DEBIT THE ACCOUNT OF ITS CUSTOMER WITHOUT ITS BONAFIELD MANDATE AND AUTHORITY .I NEED SOME MONEY IN SAUDI ARAB I CHECK ATM THAT MY ACCOUNT IS FREEZED SO PLEASE REACTIVE MY ACOUNT

Dear sir this complaint is regarding forcefuly given the emi credit card bearing no [protected] as a health insurance of the same bank i;e icici lombart general insurance.sir according to the executive of icici bank they have offered me on telephone a general health insurance on resonable price & that amount i have to pay on installments & they send me the credit card bill for full amount of Rs.10, 000 & more that i disagreed and talked to your bank executive by informing that i am going to cancel the card within the freelook period & same card & bill i had returned to your icici lombart general insurance office located at big bazar building pancasheel square nagpur immediately.But to my surprise that i haved received the bill of the same with intrest every month.
Further i would like to inform you that i am a regular user of credit card of your icici bank bearing card no [protected] & never defualt any payment
Therefore i request you to look into the matter & stop sending the false bill immediately.

I have never registered myself for the payment of my electricity bills (NDPL) with your bank through my credit cards. Even then in every two months you are paying on my behalf. This is not enough you have paid some other amounts (Rs. 2670, Rs. 2050 and Rs. 590) against a connection no. which is not mine and located atleast two kilometers from my residence. I don't know whose fault is this but I am the suferer now and no body is giving any hear to my cries - ICICI Bank and NDPL both. Unfortunately due to some financial crisis I am running outstanding dues in my credit card and this has added heavy rate of interest (may be 35% per annum) on these amounts also.
You are, therefore, requested to kindly refund the whole amount alongwith 35% p.a. interest at the earliest before I am forced to approach some consumer court or RBI. My credit card no. is [protected] and [protected]

I want to change my address.
it is...

Deepak Kumar
H.no. 2010/7D
Faridabad

Hi there,
My Officer (who is sr. officer in Indore High Court) got an N.O.C. of his car loan. In this document the car no. is wrong. My officer sent me to ICICI BANK to change the N.O.C. Before 3-4 days i went to your office situated at A.B. Road, Indore-M.P. He took the wrong N.O.C., my identity card's photocopy and all the information and assure within two days it will be sent to High Court. Till today i didnt got the same thing. will you help me for the same ?

DEAR SIR,
I HAVE ASAVING BANK A/C IN ICICIBANK GHATKOPAR BRANCH.I AM NOT ABLE TO OPEN THE PAGE OFPERSONAL INTERNET BANKING PAGE FROM LAST 1 MONTH. I HAVE PUTUP MY COMPLAINT TO HELPLINE NO OF TIMES BUT REGRETE TO SAY THAT NO HELP HAS BEEN PROVIDED.PLEASE LOOK IN THE MATTER.

I have working in moser baer Greater noida plant(Noida), My sallary account in ICCI bank and I have also used ICICI credit card, I have timely to tomely payment of credit card as cash mode but since last four or five month i have injured a accident and not woking so no any transaction sallary in my account continue two months. when this month i think that some money depose to credit card my sallary accout lock by your request to credit card, I have more suffering of regarding your steps and complain to consumer court and our HR diptt, It a very inleegal activity and suffered becase all imployes depend our sallary, Pls replied urgent, Thats time i have not accepted condition i have delay payment to credit card than you have authrised to lock my sallary account.

Hi There,

This is Sandhya Gadhe and have an issue with ICICIBANK website.

I am unable to open www.icicibank.com web site from my perosnal PC..could you please hep me?

I, Mohammad Rashid Ahmad open the NRI account from ICICI branch RANCHI(JHARKHAND STATE) one and half month before and submitted all required documents to open the NRI account.

My details are as follows:

Branch: 0175 RANCHI Branch

A/c No. [protected]
I have already deposited 400 USD to the above mentioned branch to open the NRI account as required by the bank but still NOT ACTIVATED. You are requedted to activate my account as soon as possible. At present I am working as a Project Manager in a consultant company at RIYADH ( KINGDOM OF SAUDI ARABIA).
Ihope you will consider my case.
With regards,
Mohammed Rashid Ahmad
Riyadh (Saudi Arabia)

my card no
[protected] its a credit card
i am in US from last six month and my family received the credit card its not with me and there have not used it
first i got a bill statement and a sms of 144 rupees i thought it will be some formality but when i came to know its a tata phone bill
which we dnt have at home at all, then there was a 550bill statement again
now i got a sms that of maharashtra bill of 1628 rupees
i just want to cancel my credit card
hoping u do a need ful soon as possible

Benedict R Sequeira
Los angelies US.

My credit card no. is [protected]
In January-07 an amount of Rs 8700/- was telephonically advanced to me without any interest.On reciept of monthly statement I regularly remitted the instalment without any delay i.e within a period of one or two days.During Jan-08 balance amtt of loan is NIL but delay payment charges and intt on delay paytt is still accumulating in statements issued by your BANK.Repeated referances made to your bank, contact with your customer care, personal visits to Local branch at Ambala and telephone at Chandigarh Br has not brought any relief to me as how ZERO% intt has been converted into 100%intt.Plwaive off this fictious outstanding amtt to retain the FAITH of common man in your esteem financial organisation.
Hoping for favourable action.

Ref: credit card no [protected]
Sub: request reversal of payment
This is bring to your notice that i have made a purchase during december 2007.I have not recieved the statment for that period. I have recieved the statment in the month of jan, 08 with late payment charges. I have paid Rs 513 as advised by your call centred executives in the month of jan, 08.However i have been constantly changed late payment charges in my subsequent statments, this is despite my payment of Rs 513 as advised by your call centred executives.Now, I request you to look into this matter as i have been constantly changed extra amounts for no fault of mine.
I also request you to reverse these amounts immedieately.
Your early action in this regards is highly appreciated.

sir,
in aug2007 i opened NRI account in ur hazratganj lucknow branchdepositing 18000 INRby draft from al-rajhi bank riyadh(DD NO61488501, DATED.[protected], My cust id, 51505883, ACCOUNT NO[protected] but my account was not activated, this yearagain during my visit to india went to that branch, they told me now this account cant get activated, i requested for return of my money or dd, but MR DHEERAJ SHARAN urnri relationship manager told me that dd is missing u can get ur dd cancelled by giving dd no&date in rajhi bank riyadh.
now i m in riyadh &they r asking for memo from manager icici bank or dd per se.sir kindly do needful so that i can get my money back &open new accout at icici balrampur(native town)
thankig you
dr farooq azam

Sir, I am having credit card no. being [protected] and [protected].Against these credit cards some amount was advanced to me telephonically without any interest & any pre-condition payment of which has since been made without any default.But your bank is issuing inflated monthly statements showing late payment charges and intt. on late paytt converting 0% interest to 100% intt.During the month of March-08 I have made Full and Final settlment with your bank & this has been certified that Account is fully settled & there will be no further dues then a legal notice has been served to me.I fail to understand that why references made to your bank are not being replied.To my querries made to your Hyderabad office, Bombay office &now to Delhi Office not even aline in reply has been recieved.So it is my humble request to secrutinise your record and reverse all outstanding amtt and finally issue me a NIL statement. Hoping for favourable action
Manjit sethi 560 topkhana BazarAmbalaCantt

sir
i m waitingfor ur reply regarding my complain. please do needfull.

Dear Sir,
I'm Vanithasri from Jaigopal & Co.I'm Mrs. Bhuvana Jaiganesh's Office Assistant.

Reg: Last Month Card Payment

Name : Mrs. Bhuvana Jaiganesh
Card No: [protected].
Last Month Min Due: 6559/-
This amt already paid. But this month statement i've received you've put the late fee charge Rs.400/-. but the payment was paid on June 3rd. So we didn't accept the late fee charges. This month I'll pay only the card payment. Otherwise She'll interested to close the card account. So plz organize this payment Details.

Many time I was called with yr call centre no. But proper reply i didn't got.
Last Month Payment Details:
Bank Name: HDFC
Date: 3/6/08
Che.NO: 681167
Amt: 6559/-

Yours Truly

Vanithasri.

sir
pls contact on my cell no.[protected] regarding u r staff

Sir, I am having credit cards no. being [protected]&[protected]against whom some amtt was advanced to me telephonically without any Interest & precondition.on reciept of monthly statt EMI was promptly paid without any default.But to my utter surpriseafter having repaid the entire amtt outstanding amount shown in monthly statt surpasses the amtt advanced to me.Repeated references made in this respect to your Hyderabad Office, Bombay office and to Delhi office has not yielded aline of reply but a legal notice.During Mar-08 Imade full &final settlement with your bank& it was certified that Accuont is fully settled and there will be no further dues.Inspite of all my efforts Iam not getting any relief.It is my sincere request to reverse all the outstanding amtt and issue me NIL statt and finally cancell BOTH my Credit cards.Hoping for an early favourable action.

Manjit Sethi 560 R.A.Bazar AmbalaCantt

My relationship with ICICI bank is nearly 6-7 years. I am having two SB accounts[protected]jointly with my son) and[protected]. I have made a standing request to send me quarterly statements for these accounts for which the bank must be charging me from my account. The bank used to send quarterly statements and an annual statement (1st April to 31st March). But this service has deteriorated over the last two years when receipt of these statements has been erratic. For last year (1/4/07 to 31/3/08) no quarterly statement or annual statement were received from the bank. I personally visited the nearest branch (Sector 50, NOIDA) but they say they can provide for last six months but only on payment Rs 112 for each account. My argument that the bank had not sent me these statements which it ought to have sent fell on deaf ears. My request to the customer care also met with the same fate. With the result, the bank is keeping information on all transactions on these accounts to itself without telling the customer. That much for customer care. Again on these accounts the bank provided me with debit card. In one case( Ac 7325) it did not provide the pin no., and in the other (Ac 0342) the pin no provided does not operate. Indeed the bank is fast losing its customer faith. It is a pity that the senior functionaries in ICICI bank do not care leaving everything to the phone-attender in the customer care.

I have applied for credit card 4 months ago but still i didn't get.

Once your employee was came to my office with card. that time i am not available. After that where is card i don't know.

Can u give me credit card.

i am the card holder of yr bank vida no [protected], my problem is that yr bank has promised that who so ever did the transactions more then 30, 000/- with three months, will get the bag from the bank, i had made several inquires to yr call centre, in the month of may and june, they allways say that you will receivred with in 5 days, 10 days and so on. i am fedup, listonig this answer now and then . please look into this, as yr bank goodwill at stake.
BEST REGARDS
SUDHA PATEL
D-1 VASANT KUNJ
NEW DELHI -110070
TEL [protected], M0BILE [protected].`

I have taken Car loan from your bank and repaid before due date.Pl. advice how I will get back my all car documents.

My car Loan A/c LAPUN[protected]

i'm nt rec. my statement since april, i'm having my a/c with maratha mandir branch, it's one of the worst branch of icici bank. staff are very rude with the customer, insted of attending the customer query they mostly engage in their mobile phone and chatting with their coulees I request you to look into this matter as i'm very much harassed with this branch.

MY credit card no is [protected] and my issue is that my card limit was Rs.30, 000 and i used around Rs.26, 000 and i got statement only one yime and this statement many more extra charges are showing many time i contact with your call center but i did't get any positive responce from your side and now i got messege tht my total outstanding amount is Rs.45, 000 i am a middle back ground person i can't pay that type of charges i can pay only my actul bill, so plz give me positive reply

I am icici savings account holder[protected]. my credit card Number [protected]. customer id no. 4245403.
I have issued the cheque No228197 dt.10.06.08 for Rs.579/- to my icici credit card account.that amout Rs579/- also debited my account on 10.06.08 . as per icici credit card statement dated 21.06.08 the above cheque amount was not realised and inform to me that penality amout including Rs 1631.51 /-dues immediately.
This is very surprised to me. please clarify? How is it possible?

Hi,
Today ICICI customer care person called me and told me like i have been selected for Helth card from ICICI lombard. I told the person that i am not interested in it. But he told like he cant cancel it from his side and asked me to do it when i get the card. I told him again and again that i dont want any such thing policy / card. When he explained the offer he just said its a 3 lakh policy valid for 2 yrs and EMI of Rs 640. Hearing that i started arguing even escalated to his TL that i dont want it. Then he too said that he cant help me. He said for authuntication two more people will call me. As he said some people called and asked my details. I provided them, but suddenly i got a SMS that Rs 13, 595 has been debited from my credited. I called up and spoke with the credit card and lombard department. Their response was too bad and i am very much depressed. I feel like i was cheated. I want you to take action immediately otherwise i may escalate or close all my accounts and transactions with you bank. I need a response for this mail.

Regards,
Swathi Thangavel

Pl. send Qly. Bank Statement for the period March.2007through e-mail & post to till date, as we are not geting the same from Bank.My Loan a/c No. LBDEH [protected], pl. arrange to send for a/c year ending March 08, showing Interest and Capital paid separately Regards, satish sharma

I AM A PROUD HOLDER OF YOUR BANKS CREDIT CARD FROM THE YEAR 2005, AND I NEVER DELAYED OR DEFAULTED ANY PAYMENTS DUE TO YOUR CARD, ALSO IAM HAVING2 PERSONAL LOANS FROM YOUR BANK, WHICH ARE VERY REGULAR IN REPAYMENTS, THIS WILL SHOW IN MY STATUS OF ACCOUNT, IF YOU WANT ANY PROOF,
MY ONLY GREIVANCE IS THAT INSPITE OF LONG STANDING RELations with your bANK, BANK HAS NOT RECOGNISED ME, AS A VALUEDCUSTOMER, sO TOSAY THEY HAVE NOT INCREASED MY CREDIT LIMIT, WHICH IS STILL 108800.00 SOMETIME AGO I GOT A SMS STATIONG IF YOUWANTCLI PLEASE REPLY BY SMS, WHICH I DID, BUT SOFAR THE ASSURED CLI HAS NOT BEEN EFFECTED IN MY CCARD, MAy I KNOW THE REASON?
my mobile[protected],[protected]

Dear Sir,
I NIKHIL THAPAR is holding a saving account in ICICI BANK BAREILLY & is unable to operate my A/c through internet banking as your site www.icicibank.com is not working.

I was tried several times to send a complaint regarding non crediting of a IPO refund, but in the format window one of the mandatory thing is "date of transaction", but that does not accept anything at all, neither the calender there works nor I am able to type the date there so the the complaint does not get submitted. Y such things are being done. Who knows ?!

I am giving below for a mail send to ICICI e.mail address, mit has returned un delivered for the reason given in the text. What ICICI has to say ?? !!
"original message was received at Fri, 4 Jul 2008 21:45:19 +0530from [protected]@localhost ----- The following addresses had permanent fatal errors [protected]@icicibank.com.notallowed ----- Transcript of session follows[protected].3.0 [protected]@icicibank.com.notallowed... list:; This user is not allowed to receive internet mails"

dear sir,
i have rece'd your statement. i have been charged thrice for one " idea cellular" bill. my card no.[protected]. so i am paying rs.669=00 less from the statement.
ajay shah.

Ref: RJ/2007-08/ICICI

Dated: July 8, 2008

The Branch Manager
ICICI Bank Ltd.


Sub: Loan A/c No.LUCHD[protected] and LUCHD[protected].

Dear Sir,

Your bank has given me a loan whose loan a/c number .mentioned above. In the both accounts the amount was Rs.180000/- (Rupees One Lac Eighty Thousand only). Unfortunately the bank has released the amount in one account only where as the amount in other account has not been given to me till date. The bank has started EMI on both the accounts. Till date I have paid approximately Nine installments in both the loan account. It means I have been paying for that amount also which is not released to me till date also.

I want to close my both accounts. You are requested to adjust the amount of the loan (Whose payment has not been given to me) in other account and tell me the balance amount. I am willing to pay the balance amount immediately.

Please do the needful urgently.

Thanking you

For R.J. Engineers

Charan Kamal Singh
Auth. Signatory.

Ref: credit card no [protected]
Sub:Request reversal of Interest charges
This is to bring to your notice that I have been charged interest worth Rs 2, 401.09 in the statement sent by you for transaction period being May 28 2008 to Jun 27, 2008.Could you please clarify for what reason is this interest being charged and the rate of interest charged for the amount due .

i am extremely distressed that i am receiving credit card payment statements after the last date of payment and being charged a late fee for no fault of mine. i have tried to get in touch with your help line but have got no assistence from it. on visiting your branch at Gariahat Kolkata i was disappointed to note that no one seems to have any idea of how to help me. your agents are ill informed and are in no position to help.I am shocked to find this kind of indifference towards your customers.are you only interested in new accounts? I am expecting an answer within the next 24 hours to explain why I am being issued statements after the due date. I am hereby with holding my payments till I am satisfied that this will not be repeated in future. My credit card no is [protected].
i will expect that I will not be put through further harassment in future so as to have to take the help of the law.

Dear sir, I have a saving account in your branch 21-C, Day after yesterday I have used your ATM for Mini Account Statement. & found that your branch has been debit wrong amount from my account no.[protected] of Rs. 393/- Normally you can see & judge that you have credited 5000/- in my account on 2nd July 08, and debited Rs. 393/- on 03rd July 08 on behalf of cheque returning a/c. you will see the cheque already cleared from my said a/c. mean this is wrong entry, it should be reversed immediately
thanks

sir/ madam
my reference no.351/[protected]
my letter no. mklf - 5/29/2008
i am the applicant for icici bank gold master credit card but i have no received my card till date pls issue me my credit card
immediately.
with best regards
harpal singh
mob [protected]

DEAR SIR, MY CREDIT CARD NO [protected], I HAD DROPPED MY CHEQUE TOWARDS MAY 2008 BILL AT YOUR ATM CENTRE AT DWARKA NASIK FOR Rs 625.HOWEVER THE SAME WAS NOT PRESENTED FOR PAYMENT, BUT IN THE JUNE 2008 BILL IAM CHARGED DELAY CHARGES.SIR IAM OLD CC HOLDER AND REGULAR /PUNCTUAL IN PAYING MY DUES. I THEREFORE EARNESTLY REQUEST YOU TO PLEASE REVERSE THE DELAY CHARGES . THANKING YOU IN ANTICIPATION. WITH REGARDS MIRZA M A

complaints regarding credit card no[protected] emailed 19 days ago noreply recieved till date instead again penal interest charges have been levied.The National Consumer Dispute Redressal Commission has recently orederd that "Penal interest can be charged only once for one period of default and shall not be capitalised.Further BANKS CAN'T charge interestin Excess of 30%/annum from credit card holders fot customers' failure to make full payment on due date or paying the minimum amount due from them. But in my case I have regularly remmitted the amtt due but more than 100% intt has been levied for no fault of mine. Please investigate/secrutinize your bank record and do JUSTICE .
Sangeeta Sethi

I HAD APPLIED FOR CAR LOAN ON PHONE THEY TELLS ME THAT YOU HAVE PREAPPROVED LOAN OF RS 10 LAKHS IS THERE ON YOUR NAME YOU WILL GET THIS LOAN WITHIN TWO DAYS. STILL I DON`T HAVE ANY STATUS.MY REF. NO. IS [protected]. I AM THINKING TO TAKE A LEGAL ACTION AGAINST ICICI BANK LTD.

Dear Sir.
Mr. Salil Walia, working as a manager ICICI Bank, recently transfered from Kolkata to Chandigarh (as per his verbal information before departure). He was a manager in your Gurusaday Road Branch, near Mainland China Restaurant in Kolkata and was my tenant at Utsarg- Utsav Cooperative Housing Society Limited, Flat No. UV17-04-C, 1050/1, Survey Park, Kolkata. Before his departure he issued a cheque of Rs. 2000/- to the aforesaid Society against his dues for Car Parking which was returned from the bank as his signature did not tally . ( cheque no 339214 dt. 07.06.2008, ICICI Bank, Jalandhar Branch, Opp. Kings Hotel, 22/23 GT Road. This has put me in serious trouble. I have no whereabouts of this gentleman and could not contact him. Kindly let me know his present whereabout so that proper action may be taken against his said mischief.

Dear Sir.
Mr. Salil Walia, working as a manager ICICI Bank, recently transfered from Kolkata to Chandigarh (as per his verbal information before departure). He was a manager in your Gurusaday Road Branch, near Mainland China Restaurant in Kolkata and was my tenant at Utsarg- Utsav Cooperative Housing Society Limited, Flat No. UV17-04-C, 1050/1, Survey Park, Kolkata. Before his departure he issued a cheque of Rs. 2000/- to the aforesaid Society against his dues for Car Parking which was returned from the bank as his signature did not tally . ( cheque no 339214 dt. 07.06.2008, ICICI Bank, Jalandhar Branch, Opp. Kings Hotel, 22/23 GT Road. This has put me in serious trouble. I have no whereabouts of this gentleman and could not contact him. Kindly let me know his present whereabout so that proper action may be taken against his said mischief.

Ref: My Credit Card No. [protected]

I want to surrender my credit card because somebody is misusing my credit card through Internet. So, I kindly request you to block my credit card from today and do not allow any further transactions through my card. I am not responsible for any other debit from my credit card. As I want to settle my dues, I request to to send your executives and collect the cheque immediately.

Ref: My Credit Card No. [protected]

I want to surrender my credit card because somebody is misusing my card through Internet. So I request you to block my card and do not allow any further transactions through my card. I am not responsible for any further transactions and any debits from my card. As I want to settle my dues, I request to you to send your executive to collect the payment.
I request you to please acknowledge the receipt of this mail.
My Contact No: [protected], [protected], [protected]

icant pay late fee and overlimitfee please help me how ican return yours balance money . please make emi of my balance money now my buisness is going up and down.my card no [protected] other isbusinesscard [protected].please send me both statement feb2008 thanks and coprate

Business Card Number : [protected]

This is regards to the bill I have received. Previous bill I was charged Interest & speaking to your Customer Care Executive she asked to pay 56121.00 which I made.
Still this month I am again charged Interest of 3739.37 & I am unaware what is this Interest related.

You can check the payment history till date, I am never late in payments nor there are any disputes. But since last two times I am being charged unnecessary interest for no pretty reason.
I want an explanation on this. Above all Ms. Rashmi at your call centre, is giving me rude answers that she cannot do anything.

Let me be very clear that I am not going to pay any charges other than what I have used. So kindly look into the maater & reversethe charges. I will pay only after this amount is waived off. I shall pay the amount that is actually used before due date.

In any case if I don't receive any reversal from your side, if then you bill me such Interest in future I shall report this to Consumer Court.

Expecting a favourable from your side.

Rakesh Dugar

Dear sir,
I am trying to reach your customer care but i am not grtting your number, I have shifted from udaipur to hyderabad, I am using the visa card and my card no is [protected], I WANTED TO CHANGE MY MAILING ADDRESS. 101, SMRITI BLOCK, MEDHA ROJOICES APPARTMENT, RADHAKRISHNA NAGAR ATTAPUR HYDERABAD AND MY MOBIL NO IS [protected].

REGARDS
RAJESH MEHTA

WHY THE HECK THIS ICICI WEBSITE NEVER WORKS? LIVING ABROAD HOW AM I SUPPOSE TO LOG IN THEN AND VIEW THE WEBSITE? I DON'T UNDERSTAND WHY THEIR SERVER IS SO SLOWWWW AND WHY DON'T THESE GUYS FIX IT??? IT IS SO FRUSTRATING!!!

please remove your customer ateraction power

From kanta goyal
house 1020 sector 11, panchkulla
Regarding Dmat services My account no in[protected]
there is a discrepancy in the statement issued to me dated 8th march and 3rd july 2008 in my account i got transferred 20 shares of reliance power nsdl refence 300255 now i got statement referred to above there 20 shares of reliane power is not forthcomming. please see and let me know at theearlist where these have gone. urgent please.

Dear Sir /Madam,

I Shelly Sharma have a ICICI Credit Card No [protected].
I used only two time but I have not receipt any bill & statement till date (21.7.08).First time I had paid 5000/- as per mobile discussion, then your Executive is come in my office.I have paid 5000/- after that I used only one time dated 12.7.07 last year Amt.Rs.4578/- but its bill not received till date now . I have disscussion customer care many time . They said that our executive is come your office for recieved the payment .but not come for this. You are alos check my complaint on your system not this bill be 9143.9 from 4578/-

You are requested that please correction this amount and received the payment from my office address mentioned below & cancel this card .

Now this credit card is not necessary for me.

Address

Shelly Sharma
SCO-35, SEC-31
Gurgaon Haryana

Please contact my Accountant for any quarry.
Thanks & reagards


Shelly Sharma

Ref: credit card no [protected]
Sub: request reversal of payment & cencel this credit card.

This is bring to your notice that i have made a purchase during July 2007.I have not recieved the statment for that period. I have recieved the statment on Computer in my Email ID in the month of July, 08 with late payment charges. I have paid Rs 5000 /- as advised by your call centred executives .However i have been constantly changed late payment charges in my subsequent statments, this is despite my payment of as advised by your call centred executives.Now, I request you to look into this matter as i have been constantly changed extra amounts for no fault of mine.
I also request you to reverse these amounts immedieately.
You are also received Rs.4578/-on my Office those address mentioned below.
Your early action in this regards is highly appreciated

Address
Shelly Sharma
SCO-5, SEC-31
Gurgaon, Haryana

You are Contact my Accounatn Mr Bagel [protected] for any quarry.

Thanks & regards

Shelly Sharma

Respected Officer
c.c.nos-[protected]
Greetings from Gurugraam

exactly last two years- correspondence going on regarding -Refund my money which deducted from monthly statement -
received one pocicies- another poclicy continue debit on me - It's surprised -cancelation letter reeceived -refund one inspite of charge me continue last two years - what is the issue - couldnot understand - very bad management - kindly send me icici bank super tuper vvip boss contact nos- or who is the authorised persons etc.

thanks and regards

ARKHAN

This is a serious complaint regarding a credit card that i have been using from last 6 years. I have been sent a letter mentioning that the total outstanding amount on the card is Rs 51000/-, whereas the dispute is from last three months as from April 08 I do not leave any money in account for ECS --- why ?, because I have been paying a minimum amount due of Rs 2300 (approx) from last two years, still the outstanding amount is the same, why ? beacuse the interest leived on this amount is been calulated on the outstanding amount of Rs. 60, 000/-. Against this 60, 000 I had paid 50, 000/- Rs through cheque. This is as per customer care phone banking records.

My dispute is that I have requested for a final settlemet of this card and blocked it. No body from bank has ever called up for this.

I recieved calls from collection department, where I spoke to numerous people named as Rajesh, Ashish, Neha and finally Deepak sharma (Collection supervisor). This man Deepak Sharma bluffed me and took a cheque of Rs 7000/- telling me that because my ECS has been returned thrice please issue a cheque for 21/07/08, which I will not present in the bank but will mark a mail to Mumbai head office for a final settlement of your case. Believing him I did the same, now i am getting this info. that the cheque was presented and has bounced.

On calling him as per the given number he is not attending my calls nor calling me back .

Request for immediate HELP, please mark me a mail regarding this or call me on [protected]( New DElhi). Also would request for sending me detailed billing and payment details of this card "[protected]" so that I can repay the genuine outstanding amount as soon as it can be.


Sanguine for a response.

Thanks
Ashish Kharbanda
[protected]

I have ICICI Bank Credit Card No. [protected] and the bill for said card for the amount due during July, 2008 was paid vide my cheque No. 948153 drawn on Bank of Maharashtra, Malleshwaram Branch, Bangalore dated 5.7.2008. This cheque was dropped at the ICICI Bank ATM centre at N.R.Colony, Bangalore on the 2nd July, 2008. This was because the due date was 6.7.2008 and I was travelling from 3.7.2008 to 7.7.2008. Further it is to be noted that 5th July 2008 was Saturday and 6th July 2008 a Sunday.

I have received the credit card statement for the above credit card for payment due during august, 2008 wherein the Card reports to have received payment on the 7.7.2008 for the previous month and has levied a penalty of interest of Rs.400.00. Primarily you would appreciate a payment due on a sunday which is auniversal holiday the payment obviously falls on the next day 7.7.2008. Assuming that you are right which is not correct for a cheque dropped on the 2nd July 2008 could have been presented on the 5th of July, 2008 a day earlier to the due date and payment availed. Even assuming you are right there is no delay at all and the late payment interest is not correct and not warranted. Please, therefore, reverse the same and provide credit immediately and send me your revised statement on e mail to enable me make payment, before the due date.

Should you fail to comply with this request I would be constrained to report this anamoly to the RBI, for appropriate redressal besides raising the issue with the Consumer redressal forum.

Exprecting an immediate response.

Regards.

R.Jagannathan

I opened my ICICI account with Vasant Vihar Branch C17, C Block Market, Vasant Vihar in May 2008. Services were provided to me very efficiently and I was given account no SBGEN A/c no[protected] and I was issued with a cheque book and ATM card At the time of opening of account I deposited Rs 33000/- and gave aSBI roorkee Cheque for Rs one lac for deposit. Somehow cheque was returned to me saying that it will take minimum 8-10 days for transfer of money with this cheque and around rs400/- will be deducted as charges. I was told to deposit hard cash. Some how I deposited the cheque in my present saving account. Suddenly I had to go out for few days. During this period I got the call from Mr Rahul who opened my account stating that I should deposit the money. I told him that I am out of station He told me that till the time I deposit money my account will not be operative. I requested my friend to transfer money on line from his icici bank and my atm showed the money has been credited. once I came back one of my cheque bounced despite my atm balance clearly showing my balance as one lac. On approaching the branch I found behavior of staff including branch manager very different. It is since past seven days I have been approaching but every time they are saying that it will take 2-3 days. I spoke to the branch manager once and since then she is not attending to calls on her mobile. Please do inform me if my account has been activated. And in similar situations in future whom should I approach. Presently when I inquired from Rahul to give contact of senior people he refused. It has really put one of the most reputed bank into shame

My A/c.no. is [protected]
Sir/Madam,
Your statement dt. 9th July surprised me that the payment for the month of june amounting to Rs. 5557.50 which i have paied by cheque no.542659 dt. 24/6/2008 & droped in your drop box at Thakur complex, Kandivli (E) Mumbai. Shown as balance due. I have chequed from my bank and found that the cheque has not been presented for clearing. Now I have requested my bank to stop the payment of the above cheque. I will be making the payment of the above amount by a fresh cheque. Also please note that the charges charged for non payment will not be paid because of no fault of me. xerox copy of stop payment letter is enclosed with the cheque.
Thanks & regards,

Dear Sir,

I undersigned is the secretary of Mr. Virendra Kumar Sud. He has been charged with Rs. 400/- for late payment, although we have made the payment before time.

I am trying your call centre from last 4 days but could not reached to your executives.

Kindly revert back with the details and your contact no. where i can file this complaint.

Thanking you,

Mrunal
[protected]

Ref:Credit Card no. [protected]
Request:Reversal of payment
I have pay my credit card bill on time.But this time in July statement Bank did not project my payment which I have already paid and gave me the previous bill to pay as well as rs 400 against late payment fees and 380.72 for interest which I should not be charged at all. My account is also in ICICI and my account statement is showing the payment to credit card account on time.I also do not recieve the credit card statement on regular basis.
Kindly look at the matter and inform me since my due date is on 9th August.I hope favourable action.
Thanks

Subject: Seeking Clarification of legal notice demand for Default Installment

Sir/Madam,

1. Please refer to your legal notice No. 1051JCICIPLRECALFDELHIJUL, 2008 dated July 18, 2008.

2. First, I was shocked to read the matter mentioned in the above notice, because I had never approached nor signed any agreement with ICICI Bank Ltd. S.D. Tower 7th Floor, sector – 8, Rohini, Delhi – 110085, which is about 35 km from my residence, for any credit facility for consumer durables. Hence, the payment of loan/EMI to ICICI Bank Ltd. S.D. Tower 7th Floor, sector – 8, Rohini, Delhi – 110085 does not arise and the allegation is totally baseless.

3. As, I have not taken any credit facility for consumer durables from ICICI Bank Ltd., S.D. Tower, 7th Floor, sector – 8, Rohini, hence, I never gave any cheque to the above bank, as, it is mentioned in the notice that the cheque given by me have been dishonored.

4. So far, I have not received any single letter in this regard.

5. However, I contacted Nisha Munjral at her mobile number [protected] twice on 24th July, 2008 but she did not respond. I left my mobile number with her and she promised me to talk to me but she did not talk.

6. Then, I enquired about this from ICICI Bank Ltd., S.D. Tower, 7th Floor, sector – 8, Rohini over the phone (Ph. No.[protected], and I asked about the above-mentioned loan. I could not get any fruitful response in this regard and I was asked to contact ICICI Help line/customer care number i.e.[protected].

7. Finally, I contacted ICICI Help line/customer care number i.e.[protected] and talked to Mr. Amit (Reference Number – SR[protected] at about 4.25 pm.[protected] He asked me my name, Address, mobile number, date of birth and name of bank Accounts. He compared my details with the information available with ICICI. He found that only name and address tallies with ICICI records, other information like; date of birth and bank accounts does not tally. My Bank accounts are in “Bank of Maharashtra” & “Punjab National Bank”, while borrowers account is in HDFC Bank.

8. The above facts reveal that, I did not take the above-mentioned loan. ICICI had given the loan to some other person and wants to recover the same from me. It is a shame for a multinational Bank. Since, the above notice has harassed me physically and mentally a lot, I will seek my grievances in the Court of Law.

9. However, I hereby request you to provide me the following documents to enable me to decide further course of action.

(a) Copy of the Agreement No. NCDEL[protected] signed by me as mentioned in Para (2) of your notice.

(b) Copy of the Credit /items / Consumers Durables etc which I have availed and for which I am charged Rs. 13, 972/- having installment of Rs. 1, 996 up to unknown installments.

(c) Copy of the cheques alleged to have been dishonored.

thanking yo,

yours faithfully

satvinder singh

dated:- Agust 4, 2008.

refeance No. ICICI Bank Card No.[protected]

Respeced Sir/ Madam

As my credit card statement dt.21.06.2008 wrong charges of Rs5490/- towards Discount Premum Club, Delhi.
This is wrongly debited to my account. I am not agree for this facility. I have already complaint for wong charges vide complain no. SR 71239089 dated 28.06.2008 at 21.00 P.M..Your customer care excutive agree to reversed this entery.
But till date not reversed by your bank But why ?

Thanking You

Sukhvinder singh
Mobile No. [protected]
29/96 IInd Floor
West Patel Nagar
New Delhi-110008

I was make many mail to your bank i have a credit card which use for big bazar .I am disagree for one amount which one credit from my account from your side you are saying all dispute muste be see whithin 90 day, s after not possibel but I could not getit any statement and not getit any informetion from your side . my name/ RAKESH KUKRETI PHONE NO/[protected]/[protected]

Respected Sir
I Mr. Avinash Sitaram Bandekar residence of 3344 Gondhalli galii Belgaum . . Karnataka. I had taken Home Lone with your ICICIC Bank Home Loan. LAN no. LBBGM [protected] Application no. [protected].

I had a sanction letter of ICICIC bank Home Loan of 8, 23, 281. In that 8 lakhs is my loan amount and 23, 281 for ICICI Lombard general insurance. My first loan disbursement of Rs. 400, 000. On 11May 2007. And second Rs. 200, 000. On 29 June 2007. On 3 July 2007 I had given dimandnote to disbus my remaining 200, 000 to bank authority. from 3 July 2007 I requested bank to disbus my amount but bank authority had given me only excuses then bank authority had told me u have to pay pri emi for disabused amount so I started to pay pri emis regularly . I paid pri emis up to month August but still my amount disbursement not had done from bank. So I stopped paying priemis and requested bank officials to disbus my 200, 000 as early as possible but I got only excuses .
On 28 May Mr. Shriram (Collection manager )and Mr.Avinash (ACM) with 8 to 10 people had gone to my New flat Meghdoot apartment cts no 3939/A3 in my absents and told my parents we had came to seal your property otherwise pay 50, 000 as pri emis. That time I was traveling to Bombay so my cell was not reachable. So my parents had kept gold in Maratha Co-operative bank Ltd and paid 50, 000 as priemis. When I came back from Bombay and approach ICICI Bank for that matter. Mr. Mrutunjay (Sales Manager Belgium Branch )had told now your account is clear we are disbursing the amount within 10 days . And he had given me contact numbers of Mr.Chetan Bhat ( ZBH), Mr.Sashidhar ( ABH), Mr. Sarvesh (Credit Manager) and Mr. Ravi Kumraj ( RCM) to conform .So I promised by Mr. Chetan, Mr. Shashidhar, Mr. Sarvesh and Mr. Ravi Kumraj your disbursement will be throw in 10 days. But after regress follow up with these bank officials for 2 months . I had been informed that bank cannot disbus the balance 200, 000 and I have been inform now that bank downsized my loan without any notice and started my emi on 6, 23, 281.
So I requesting u look in mater and disburse my remaining amount as early as possible. Still my sale deed is pending. I had paid Rs.50, 000 as pre emi.

Apart from this I am the old customer of ICICI bank. I am having two car loans with ICICI bank. ( Toyota Quails) Lubgm [protected]. And ( Toyota Innova) Labgm [protected]. My repayment is prompt and regular. So I am again requesting u please look in the matter do the needful. Because I have to give Rs1, 00000. To my builder and Rs1, 00000. For sale deed. .


Please find attachment of authentic document regarding above matter.


Regards

Avinash S. Bandekar
Cell:[protected]:


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Respected Sir,

Iam Raju.A, From Begumpet Hyderabad, Account No:[protected], i have dropped a cheque on 5th of august, bearing cheque no:065037 of HDFC'S as it has not been credited still 12th of aug, i request you to plese consider my request, and do the needfull as soon as possible.


RAJU.A

DEAR SRI
PL MY INTERNET USER ID NOT AVALIBAI SAND MY

Ref; My Card No.[protected]
With reference to the statment regarding cash payment on 7.06.2008, which is not made by me. the payment due for the month of June 2008 is 5540/- is made by Cheque. Complete payment is made.
And i have recevied the bill for the month of july 2008 fee levied for cash payment, service tax and interest charges and service tax for Rs.418.93. Now my complaint is why this amount is charged when ther is no due from my side.
I have already complained to your customer care exeecutive in the month of july 2008, And now I have received one more bill for the month of August 2008 for Rs.893.54.Why the bill has been sent to me when there is no due from my side and I am not happy with your services.

Regards,

Jagadeesh

i am also having a credit card holder expirienced poor kind of service, no responces for the complaints and dicided to cancell the card

Exact situation happened with me(what happened with Mr. Shashank Prasad).
I am staying in Japan and I have faced the same situation.After everything, the ICICI bank authority are hell(not doing anything).

But I will not leave them. I will go to highest level once I come to India.

RESPECTED SIR, I AM BIJU MATHEW IAM USING YOUR CREDIT CARD LONG BACK .WHEN I INITIATED DURING THAT PERIOD I WAS GETTING STATEMENT REGULARLY.LAST 4 MONTH ONWARDS I DIDNT GET ANY STATEMENT .I PHONED UP IN CUSTOMERCARE CENTERE AND INFORMED THEM . I HOPING TO DO NEEDFUL THINGS

Dear Customers (Jagadeesh M.p, Tapas Das, Biju Mathew.m),

Please write to us at [protected]@icicibank.com with account number and contact details. Please use subject line as " Comments from Site".


Sincerely,

Uma Lakhani
Office of Head Service Quality
ICICI Bank.

sub- account transfer
sir,
I am account holder in icici bank branch udaipur rajasthan.
75 days before i went to ajmer branch & fill up application form & return cheque book for account transfer from udaipur branch to ajmer branch. after one month 16-7-08 i went to again same branch regarding my account, ur representive told ur account has not transfer due to ur application lost. pl fill again form. i gave new application & crush atm card.
to day i went to ajmer branch they told me ur account has not transfer u fill new application . this is not way. ur bank working is not good, ur representive is not good and coporative they r care less. what can i do ?
i hav no atm & cheque book . how can i transit my money.
Account transfer is small matter bot i dont know ur bank take so long time . I have not satisfy ur bank service . pl give me return reply & take necessary action.
thanks.
Regards,
Vinod singh yadav

i have saving a/c in your bank.plz attention sir, my a/c cut down 974/rs so big amount sir, i can not bear.i belong from poor family.last month april same condition.i have request then accpted.plz sir reverse entry my a/c, recently my a/c show negative balance, my a/c salary based a/c. my a.c no[protected].plz right decision my favour. thanku very much.

regards
mohd qamar

Dear Sir,

I have an account in your bank ref. no.[protected], your banker (branch 21-C, Faridabad.) has been wrongly debited my account by Rs. 393/ on 03.07.2008. as I discussed they told me that this is cheque returning a/c. I checked my account and found there was no cheque returning. why i should believe on their words, I think it is cheating because at the time of cheque presenting my account having sufficient fund. So I request you to do the needful.
thanx

My experience as a credit card holder is that this banks officials have no brains and they think the
customers are their puppets and will tolerate their irresponsible and indecent acts. I have used my
credit card for a lone and single transaction which took place in India in Indian rupees and the banks credit card departrment gave approvals for the transaction amount in indian rupees yet due to goo[censored]p and lack o[censored]nderstanding of transaction details at their end and without calling for supporting documents in support of the merchants claim, they remitted the rupee transaction amount in dollars and debited me for the foreign exchange transction fee. I lodged my complaint on 12th Mrch 2008 and it was acknowledged and given a number but more than 90 days have passed and the bank has not bothered to settle my account. I had written to Mr K Kamah CEO to look into this matter since the bank has failed to respect the law of the land where a transaction in Indian rupees cannot be settled in dollar currency and the bank ought to have paid out the amount exactly in the currency in which they gave approval on the day of the transaction. Mr K Kamath has not even bothered to acknowledge my
complaint because he also feels that his customers are buffalos. This can happen only in India and
that too in the most leading bank in private sector in India. What a shame that we credit card
holders have to pay for the whims and fancies of ICICI oficials and their anti customer way of working standards. I am yet to get refund of the excess charge and I feel I will have to file a writ against the
CEO in the courts against ICICI if they fail to settle my claim. Beware of this banks anti customer
approach and ill conceived ways of working style of its managers and executives. What a shame that
we in India have to deal with such banks ??????????????????

Disgusting bank in Indian History of private banking

Iam a platinum card holder using the card since its issue quiet regularly.I have been receiving my monthly statement at my residential address but the last statement has not been received till date. I have spoken to the call center atleast four times and the answer is same that we have noted ur request. I think staff sitting at the center seems to be having no idea they answer like illeterate people, its a sorry state of affairs. My payment reords can be checked I have always paid my bill much before the due date and then u get this type of terrible response. Kindly look into this otherwise I wil be forced to surrender my card. My card number is [protected].

I am unable to open icicibank.com & icicidirect.com sites since
last four months. Due to this i am unable to use my accoun with icicibank at lucknow. please tell how to open your site & operate my account.

I am a retired Sr manager of Canara Bank, who do not have any dealings and not connected in whatsoever with your BANK.I am getting calls from your Chennai Office/Branch to personal cell no[protected] asking for the repayment of loan dues of Miss Manikya N Pai, who has informed me that she is only depositor and a/c holder and do not have aany dues owe to Your Bank.Whatever be the transactions, I have nothing to do with YOU.Repeatedly your personnel disturbing my privacy and mental peace for which, I am going to claim DAMAGES against YOU, if YOU DO NOT TENDER UNCONDITIONAL APOLOGY FOR DISTURBING MY PRIVACY WITHIN A MONTH, I HAVE NO OTHER GO THAN TO COMPLAIN TO RBI AND OMBUDSMEN FOR THE DAMAGES.

YOUR SITE WWW.ICICIBANK.COM IS NOT OPENED IN MY PC

loan no ltkfm [protected]
recipt no L[protected]
your received amount 15500
TN21J 1064 loan cosed on 1/8/2008
i am waiting for my NOC i didnt get it yet now i am going to sell my bike so i need it urgently ...

your very service is very very very very poooooooooooooooor

I have a salary account with your bank, at chinchwad branch, pune. Due to my personsal reason I have closed my salary a/c. as on 21/07/2008. for this purpose I have follow all the legal formalities to close a salary a/c. I have submitted aform of a/c closer in Pune's Dnaynesh mangal Karyalaya's branch, In the hands of your accepting offcer Mr. Ashwin Deshpande on the date 21/07/2008.
Still I got the letter No. ICBK/2008/0001, dated 1st Aug, 2008, from your 'LANDMARK' race course circle, vadodara-390007, India, about turn your a/c from a salary a/c to a regular customer saving a/c.
I saw the letter adress as ICICI bank limited, Central mailing room, Post Bag No. 10095, GPO Mumbai- 400001.
SO I request you to look after the matter and Please do not send me any more letters.

dear sir

form past one year i am trying to find the callcenter number in saudi arab or in india. actully i have a problem with my login service i have forgoten my password. and i was trying to contact with the callcenter in riyadh. but i cant fine the office is colosed the naibouse told. in Talemoney from where i have opend my icici account the customer care is not available. i am just sending money to india that all i dont have any proof that they r reciving the money or not untill i or my father checks the balance.
this is my new mobile number[protected] insted of +[protected]. i am wating for ur call. plz help me out. thanking u sir. i am v much thankfull to u. u r sending my money safe to india. thankx again.

Sir
I am demat a/c holder bearing no.IN[protected] which is kept d-activated since las 11 months without my fault.KYC documents are submitted three times as required by icici bank, requested on phone several times, complaint lodged to customer care icicicare=[protected].but rcieved very sad result.
may kindly look into the matter and try to solve the matter at earliest.

with regards

k.roy

I had applied for checked book dated 07/09/08 by atm my ac no is[protected] my phone no is [protected] i want to know status of my checked book .
with Regards

Amit Singh

I SHOCKED AND SURPRISED ON SEEING THE STATEMENT OF MY CREDIT CARD (NO.[protected]) WHICH STATED AS I HAVE MADE A PAYMENT OF Rs.1000/- ON 05.09.2008 FOR THE CARD.THE REAL STATUS OF THE CARD IS THAT I HAVE ALREADY ASKED FOR THE SETTLEMENT FOR THE CARD SINCE MAY 2008. DUE TO THIS REGARD I HAVE NOT MADE ANY PAYMENT FOR THE SAME .I DONOT KNOW HOW THE BANK MAKE ARRANGEMENTS AND CONTRIBUTING THE FUND WITHOUT THE KNOWLEDGE OF THE CUSTOMER TO DEPOSIT BY CASH FOR THE CUSTOMER AND TO PAY THE SAME ON BEHALF OF THE CUSTOMER. THE BANK MUST KNOW THE RULES AND REGULATIONS TO FACE THE AFTEREFFECTS BEFORE STEPPING IN TO THE PLAY OF SUCH GAMES OVER THE CUSTOMER'S ACCOUNT / CARD A/C/ LOANS. HENCE CORRECT THINGS FIRSTAND ARRANGE TO GIVE THE SETTLEMENT AS I HAVE ALREADY SPOKEN WITH AN OFFICER NAMELY MR. SRINIVASAN FOR RS.20, 000/- AT AN EARLY DATE. OTHERWISE I HAVE TO TAKE ALL THIS STORIES FROM THE BEGINING TO THE OMBUDSMAN AND COME THROUGH THEM.HOPING A FAVOURABLE RESULTS/ REPLY FROM YOUR END AT THE EARLIEST.

I SHOCKED AND SURPRISED ON SEEING THE STATEMENT OF MY CREDIT CARD (NO.[protected]) WHICH STATED AS I HAVE MADE A PAYMENT OF Rs.1000/- ON 05.09.2008 FOR THE CARD.THE REAL STATUS OF THE CARD IS THAT I HAVE ALREADY ASKED FOR THE SETTLEMENT FOR THE CARD SINCE MAY 2008. DUE TO THIS REGARD I HAVE NOT MADE ANY PAYMENT FOR THE SAME .I DONOT KNOW HOW THE BANK MAKE ARRANGEMENTS AND CONTRIBUTING THE FUND WITHOUT THE KNOWLEDGE OF THE CUSTOMER TO DEPOSIT BY CASH FOR THE CUSTOMER AND TO PAY THE SAME ON BEHALF OF THE CUSTOMER. THE BANK MUST KNOW THE RULES AND REGULATIONS TO FACE THE AFTEREFFECTS BEFORE STEPPING IN TO THE PLAY OF SUCH GAMES OVER THE CUSTOMER'S ACCOUNT / CARD A/C/ LOANS. HENCE CORRECT THINGS FIRSTAND ARRANGE TO GIVE THE SETTLEMENT AS I HAVE ALREADY SPOKEN WITH AN OFFICER NAMELY MR. SRINIVASAN FOR RS.20, 000/- AT AN EARLY DATE. OTHERWISE I HAVE TO TAKE ALL THIS STORIES FROM THE BEGINING TO THE OMBUDSMAN AND COME THROUGH THEM.HOPING A FAVOURABLE RESULTS/ REPLY FROM YOUR END AT THE EARLIEST.