[Resolved]  ICICI Bank — home loan icici bank

Address:

Mumbai City, Maharashtra, 400081

I was in communication with the bank's home loan team from 18th january for home loan for myself and for my nephew mohnish parab for 2 nos 3bhk flats for rs. 2 cr each.

In this regard, we have given all the documents icici bank had asked, spent long time on phone calls talking to thier senior team members, explaining the total requirement and had also mentioned that the agreement was scheduled to be signed on 14th march, 2018.

In this 2 months, the bank only collected documents and cheque from us complete clarity was given that its a "construction link plan" and the pay-out will happen till the fitout which was expected in q4 2020. But, still there was no clarity on how much loan will be sanctioned and what will be the emi, their officer mr. Sandeep upadhyay kept on mentioning the emi will be rs. 1.80 lakhs, i even questioned him that you are not giving me rs.2.0 crore on day one, how can you collect emi on the entire amount on what basis, and that i don't want such plan.

During these 2 months i had gone through lot of mental harassment, which affected my normal and work life, lucky enough its not taken a toll on me. The team was not even willing to convert the co-applicants icici saving account into zero balance, when it was clearly mentioned on the loan leaflet.

On 09th march, 2018 getting no response from the bank and seeing no improvement in their people approach, finally i had taken the call of switching over to another bank, which i did on 09th march, 2018 being the 2nd friday and with 2 days off being weekend, i had only 2 working days before signing the agreement to re-do the documentation.

I have now received the charge for rs.12, 095/- in my bank towards "icici bank ltd. Loan account" which i've not availed of, owing to the attitude and harassment their people gave me.

The charge is totally unethical for the dis-service and harassment provided to me and in all circumstance should be reversed and recovered from the officers, who has not only given their customer a bad experience but has also provided dis-service to the bank by driving away the customers.