ICICI Bank — Home loan approval no. [protected] franchisee code max wealth hf, seema thukral and yuvaksh thukral

Address:

Ghaziabad, Uttar Pradesh, 201009

Dear sir / mam,
With reference to above home loan approval no [protected]. I intend to put the following knowledge fact in your notice as below.

1. Loan approval date:- 29/03/2016.
2. Property details:- builders flat from gaur city, 1st avenue gr. Noida (West)
3. Sales manager:- mr. Prateek chohan ([protected])
4. Icici lombard cont. Person :- mr. Mohan ([protected]).
5. Dsa agent:- mr. Abhay srivastav ([protected])


We had selected a flat in re-sale. There was a proposed increase in stamp duty by state govt. From next financial year i. E. 01/04/2016. I wanted to get my flat registered before the same date and got the approval, on 29th march 2016, though the process has been ongoing for over 2 months. Since it was difficult to procure loan in the remaining 3 days, your representatives mr. Mohan suggested us to go for re-financing. We somehow arranged the money from the market at very high interest rate because i trusted your representative and he assured me that loan would be disbursed. Gr. Noida development authority issued transfer memorandum in our favor. Which being issued only when property title is clear in favor of seller. Only after that re-sale deed can be executed. We had executed sale deed on 12/04/2016. We got deed papers on 19th from registrar office. Since that day we have been following up with sales manager mr. Prateek chohan ([protected]) for disbursal of loan amount. Today almost after a month he declined the loan saying lack of possession letter, the possession letter got misplaced by us. But we have the transfer memorandum and the sale deed which super seed the possession letter. Upon asking him the way out, he disconnected the call and when asked to provide the name and no. Of his senior, he again disconnected and how he is not responding to calls or sms.

History
During this period, the allotment letter issued in favor of seller (First party) by developer / builder misplaced from us, we had original lease deed in favor of first party by developer. Original lease deed in our favor from seller. Just because non availability of allotment letter the loan disbursal not done.

My query is very simple when lease deed executed, it super seed allotment letter and we also have transfer memorandum in our favor.

The real story behind it is very simple as we had refused to accept insurance proposal by mr. Mohan. Mr. Prateek took 8-10 day to refuse the disbursal on account that he had not received updates from his senior in regards of non-availability of allotment letter. Mr. Abhay has taken rs.2000/- in cash on account of some legal expenses in front of mr. Mohan. No official communication in this regards sent from icici.

Through the whole process mr mohan was dealing with us, starting from gathering paper for the file and docket, but now on contacting him he told me he is an icici lombard agent and refused to talk at all.

I have been using a wide range of services from icici bank, holding my savings account, credit cards, de — mat account, i-wish accounts, ppf, fd’s etc.. I thought it would be a great extended relationship, but now i regret that why i opted for icici bank for home loan, i have to return money to the market and i have lost all my hope and faith in icici bank. I am suffering from major emotional trauma along with high financial losses because of your employees and their selfishness.

An early response in this regard anticipated.

Thanks & regards

Yuvaksh thukral
M: +91 [protected], +91 [protected]