[Resolved]  ICICI Bank — harassment, threatening

Address: ,,,,,, New Delhi, Delhi, 110018

Sub: complaint against the icici collection agent harassment-

(Rohit) [protected]

Dear sir/maam,

As per my conversation with you i need to bring to your attention my experience as an icici bank customer.

My name is bharat anil sharma residing at house no 94 kg 3 vikas puri, 3rd floor, paschim vikas pur, new delhi-110018 had used an icici credit card and it was a old account almost 10 year. My card number is [protected]. I have been paying for the past 2 year and now in the month of feb'09 due to medical issue and my wife pregnancy i had stop making payment as i am out of job in this current economic slowdown.

I have written letters to state the same.

I somehow missed this payment. That's when my trauma started. My aged parents were subjected to unending calls asking for the money.

These recovery henchmen calls anytime on phone, mobile, irrespective you are sleeping in early morning or late night. They came in group anytime, gave several personal visits insulting her in my home, society and also followed her. The lady (My wife in her forties was trembling and today is suffering from, permanent incurable phobia due to icici bank recovery agents. My family had ruined there mental and physical health both because of horror of icici bank recovery agents. Today my wife is suffering from much health related tensions and she is 8 month pregnant because of icici bank torture for the agony caused to her.

This is a serious concern, i and my wife has been harassed by these people of icici bank (- a collection agency of icici bank). The name of the executive is (Rohit). His fraudulent mobile number is [protected]/08. Infact he refused to show his identity proof and any contact information related to him. One of the numbers that he gave is an incorrect number-[protected]. He also refused to give his supervisor's number.
Some illegal acts done by mr. Rohit.

1. Shouted at my wife and gave her mental torture when she is expected.
2. Used foul and raw languages
3. Gave threats and was very abusive.
4. Taunted and tried to humiliate.
5. Done some indecent act –snatched my mother's mobile to talk to me.
6. He was adamant and said that he will come in the night time to disturb till the time we do not pay him..
7. I have asked that person that i have some amount you can take it from but he was not ready to listen and to mention a few words that he used, have a glance at the following utterances of that person –

1. "jab tumhari paise wapas karne ki aukaat nahi hai to fir loan kyun lete ho"
2. "ya to payment kar de, warna bahut tarike hain bank ke paas paise lene ke".
3 chor hai saala

4 ab dekh hum tamasha karegenge

These are not the only statements that the bank executive used, but were also accompanied by an offensive and abusive behaviour and language, which is legally and ethically against the human rights and indian penal code.

I am filing a case in this consumer grievances redressal forum delhi and had appealed this court to make icici bank and their recovery officer (Collection agency - new delhi - mr. Rohit (Rohit-the recovery agent) mentioned above and agents involved compensating her for peace and happiness. I am also filing a case in banking ombudsman site www.bankingombudsman.rbi.org

I am attaching a said rules released from rbi so that consumers can get awareness where to go if they are facing same traumatic tensions or experiences due to financial institutes. An appeal is also be made to president of india and pil should also be filed in supreme court about the financial institutes or banks like icici (Collection agency - profin management consultants pvt. Ltd patel nagar-new delhi - mr. Rohit (Rohit - the recovery agent) who misuses power of section 138, 420, 406 on innocent clients. As because loans are taken by peoples to improve self quality of life and not to spoil own career. Circumstances at all time do never remain the same.

However during the course of loans, paying emi - business, health, and services can cease or pause, natural disasters, casualties, diseases, accident, incidents, profit and losses are beyond human controls and bank should understand it. Wise bankers should not consider every client as cheat or slave. During such situation if the client fells, bank should cooperate and not traumatize and humiliate their customers. During such destiny laid stages, if the bank could not support the hospitalized client (Loan taker) on ventilators at least it should also not try to pull the tubes of oxygen.

In all fairness, icici bank should have at least checked our credit worthiness before going on this harassment and hounding 'rampage' till we had no option but to carry out our own investigation and point out the problem your bank.

I want a written statement stating the action taken against mr. Rohit (Rohit - the recovery agent) and strong action against all the people involved icici bank (Profin management consultants pvt. Ltd patel nagar-new delhi - a collection agency of icici bank). The name of the executive is (Rohit). His so called mobile number is [protected] otherwise i will go to the court of law/consumer forum, circulate the message to the news groups, and caution all my friends about the incident.

We hope that you take note of this experience and prevent the same from occurring again.

Some actions taken by rbi

Note: wednesday, april 18, 2007
Allahabad high court verdict against use of gundaas by icici

Here's a verdict by allahabad high court against icici bank's illegal methods to use gundas to manhandle consumers for recovery of loans
Pl read this link
http://www.allahabadhighcourt.in/ejurix/servlet/WebViewJudgementDirectly?method=...⇄
Note - pl find the attached rbi guidelines for the recovery agents.

Yours faithfully,

Bharat anil sharma