ICICI Bank — Home loan cheque bounce charges and overdue charges.

Address:

Chennai, Tamil Nadu, 600010

On 24th of aug 2015, sunday icici representative came to my home to collect auto debit change form. I requested to change auto debit for lbche[protected] from indian overseas bank account to icici nre account to make the emi transfer process smoother. I have signed all the mandate forms that the representative told me. Also i provided blank security cheque to him.
So for the month of sep 2015, i expected the auto debit to happen from my icici nre account. But the icici loan branch representatives requested me to authorize the emi deduction from my icici nre account and also promised that the auto debit will be enabled for the next emi month.
As every emi due date passes, the icici representative would call and request me to authorize the debit from my icici nre account through email and promised that the mandate will be effective next month. This continued for three months and hence the bounce happened for those months (Aug15, sep15, and oct15)
Sumathi along with sivaram were the people who are contacting me on this issue on behalf of icici. As i was requested to authorize for the month of nov 2015 also, i strongly objected to it and asked what had happened to my mandate form and the blank security cheques. I was really worried about the blank security cheques being misused and asked for the same to the representatives who called me in the months of nov 2015 and dec 2015.
Only then the representative (Sumathi) informed me about the missed column to be filled in the mandate form which i was totally unaware of till the month of oct 2015.
It’s very obvious that i did not receive any proper response from the icici representatives on this issue and i was kept in dark about the blank cheques. This was the reason for which i withheld the authorization of emi for the month of nov 15 and dec 15.
After the promise from the bank representative that the issue would be resolved and the blank cheques are safe in the hands of the branch official, i have authorized emi properly from the month of jan 2016, by when a new problem raised.
When i authorized emi for the month of jan 2016, overdue charges and cheque bounce charges which happened due to the mandate issue was debited from my emi. I have raised this issue with sumathi and she had promised that it would be adjusted in the ensuing month's emi. And she adjusted the overdue charges in the feb 2016 emi.I have asked for these charges to be waived off as this happened due to the mandate form issue. But sumathi has been dodging me for more than two months on this issue. Also i have requested her to change the auto debit account to my old indian overseas bank account. She has not responded appropriately for this as well. As you can see that the issue is open for more than two months without any resolution and there is no sincere effort from the bank to solve this issue.
And on 2nd april 2016 sumathi has replied in watsapp saying that overdue charges of rs.2000 and cheque bounce charges of rs.1137 will be reversed which is contradicting her previous watsapp communication which reads a reversal of rs.2500 of overdue charges and rs.1137 of cheque bounce charges on 15th march 2016 for which i have objected already and requested to reconsider and resolve the reversal issue asap. I have been continuously on calls and messages with her for the past two months to resolve this issue. I didn't expect this kind of response from icici bank and this much time to resolve this issue.