[Resolved]  ICICI Bank Credit Card Division — Credit Card

Address:	Nagpur, Maharashtra, 440010
Website:	icici bank

To Chanda Kochhar MD ICICI Bank 2 credit cards were issued to my client who is now 70 year old and a patient of Parkinson's diseace 10 years ago. Suddenly the Nagpur Head of ICICI Credit cards- Ashish Pandey tel no [protected] sends my ailing client a threatening Notice, which I hope is not at the behest of the ICICI Legal Dept in the Head office but a gimmick of his own to secure some NPAs. The 20, 000 and 40, 000 Credit card outstandings have now blossomed to 80, 000 and 1, 77, 000 thanks to the fertile imagination of the icici people who sit on a demand for years and then make the outstanding multiply manyfold, intimidating AND THREATENING CUSTOMERS and I quote verbatim from the Legal Notice sent to him(my father) from an Nagpur Advocate, probably an friend of Mr. Pandey: 5. " The said credit card is the absolute property of my client, in respect to which you were supposed to abide by the terms and conditions of the bank. By misusing the credit card you have illegally enriched yourself and have committed an offence of misappropriation of "Public Money". Hence you may note that you are liable to be punished for causing wrongful gain to yourself and by causing wrongful loss to my client.. Thereby you have caused harassment to my clients. In addition to this you have caused breach of trust reposed on you by my knowledge. My client represents to us that as against the promise made by you, you have become a gross defaulter and intentional default on your part ... Further it goes on to say that Criminal action will be initiated against my father and his photo will be published in the newspapers. All this is from my point of view extremely intimidating, not to mention grossly illegal. The supreme Court has banned the use of photos to be given in Newspapers. Several years ago ICICI bank and other banks were severely reprimanded for use of "dadaGiri" and goons to take back Carse on loan and use underworld elements to threaten customers who have defaulted to make payments under threat. A similar pattern is discerned by me here. You are sitting on the default for years together. Suddenly you wake up because of what the RBI says about reducing NPAs( I presume) and then you put pressure on your branches to make recoveries and they resort to fanciful tactits of converting Civil matters into criminat ones to intimidate customers and threaten them with violence of a different kind. Violence it nevertheless is. I resent strongly to all this As a educated Managing Director I hope that you will not succumb to the politics of retrival by hook and crook and let the crooks have their way The reason why the cc bills were unpaid was because my client retired. So no question of willfully not paying. And today he is unable to pay his medical bills forget your credit card dues. Had you contacted him a few years ago some way out may have been possible. S. Ghate Advocate [protected]@rediffmail.com The Customer No is DLNCHARD/P/82380/34295/9401xxxxxxxx3003