ICICI Bank — Humiliation and harassment caused due to icici bank ltd

Address:

380054

I'm sunil ravi,

Personal loan ac no: - lpabd[protected]
Loan amount :- inr 220000
Monthly emi - 8999
Loan taken - 2014 july
Installment paid initially - 4 (First 4 months regularly)

Reason non payment of loan - the company i worked with ran into loss and did not pay salary's of the employees for 8 months straight. I had to leave the job due to this problem and then i did not have a job for almost 8-9 months. So the total of 16 months you can say i was job less and did not have any income to feed my family or to run normal daily expense. I had beg borrow money for survival from my friends and known people around me. I have a family of 5 to run with no income in hand, it was a complete journey and pure example of a person coming from stable life to a rag life a complete mess.

Harassment phase 1 - while i was fighting the situation of life to survive with no money in hand and kept borrowing money for daily survival the icici external agency started following up for the payment. They kept calling on my phone despite of the information provided of my situation which they were least bothered for. They then (Icici third party agency) started following up at my residence and started harassing my wife while i was in office, they took my wife's number and started calling her threatening her for my loan repayment that time i resided in ahmedabad. I originally belong to vadodara. They again went one more step ahead to go to my permanent residence where lived my mother and started harassing her in front of my neighbors, they would not even come in the house and speak, it was a deliberate attempt to humiliate me and my family in public and pressurize to the point we commit suicide or pay the loan anyhow. They use to come group of 2-4 men to deal with females at my home. While this happened they still kept calling me and my family members numerous times a day.

Harassment phase 2 - so while the personal harassment wasnt enough they wanted to choke me further, this time it was an attack on my professional life. The icici hired third party agency collection agent started following up at my offices, they use to come and sit their for hours even after me telling them to leave and not cause any problem where i work. They then decided to go ahead and decided to talk to my management to humiliate me further. They contacted the owner my firm and shared the loan information to my company and inability to pay the loan this was illegal as they cannot share personal loan info of their customer to anyone to whom it is not concerned or liable to pay on my behalf. Post this event i received an warning letter from my hr department stating that if for my personal related things are being hindering the office environment then it shall go against my employment and it may result in my termination of the employment, which i even showed to the agents who kept following, every time they came to office they created ruckus, shouted like hooligans. I had to leave the job due to my financial condition and the mental torcher given by this icici hired third party collection agents. It was better of to be at home than to be harassed by these white colar gundas of icici.

Harassment phase 3 - so while without job and struggling to get a job these collection agents still followed up at my door step and kept humiliating to the core. I kept assuring them every time they came that i shall pay every single penny i took from icici once i get a job and be stable, but it was heights of in humanity these people can show to you while you are struggling with life with so many other problems.

Change - finally i got a job in may 2016 with a better position and pay. I then decided to pay off all my debts mounted on me from last 18 months from banks and others. I discussed the same situation to the collection agent lalit jain, and we decided to agree on paying a sum of inr 10000 every month and slowly gradually finish this off. I payed 5 installments of inr 10k every month since then without fail. But due to the demonetization situation and little miss communication from their side they were not able to collect the cheque for the installment on time and the situation started getting out of hand. They called me to pay and i said please come and collect but they would not turn on time or the very same day, this happened for almost 3-4 times. They would not also let me pay the amount directly to the bank bcoz if i do that this collection agency will loose their commission. And when they came without information i wasnt available at my office they called in their own time and i had to be available on that time, which is not possible. And this all miss communication made me miss the installment for that month.

Harassment phase 4 - so since i missed the installment for the month as described above, i get a call from mr ajay dave says the branch manager of icici collection i suppose. This guy tried to act very smart and started speaking very rude and claiming all non-sense things over the phone. The moment i spoke to ajay dave i thought this guys are again on to something and this was personally pointed on me for no reason. While i was on a leave for 2 days traveling to my native kerala, i get a call from my current company's hr dept that mr ajay dave from icici bank has come to see my boss to discuss my inability to pay the loan? Seriously? I kept paying every month 10k to these blood sucking bank, but it wasnt enough for them. They just dont care about the money they want to mentally torcher an individual to the core that they decided to give up and just die. How can they do it? How can they talk to my employer for my personal loan? Can they do it legally? I dont think? How does that solve the problem? Will my company pay on my behalf? No. So this is clear understood that they want me to loose my job again and not be able to pay them in any manner. Icici banks needs to wake up and stop hiring such people who does all and pushes the customer to the point that they dont pay anything when they want to pay every single penny taken.

Harassment phase 5 - so again i got a warning from hr dept that any personal financial matter should be dealt outside the office premises which should not create any disturbance to the office environment. Also any official authority is not liable to meet on my behalf or for me to any bank authorities for whom i personally liable to pay or deal with. I decided to go meet mr. Ajay dave at the bank, which i did i met him but the meeting was completely fail. Mr. Ajay dave took it personal and said i dont want to help you in any manner, just foreclose the loan or settle the loan. I cannot do it not even in my dreams i can pay 3lakh at one shot and close or pay the due installment which was for 1.8lakh. He said i only have these 2 options, should i opt i will be out of it else they will go to extreme level to harass me for the payment. He would not even listen to me and kept shouting on me for all. I asked him that i'm customer who wants to pay the icici bank, but you arent allowing me to pay, he said yes i'm doing that what can you do? They are now threatening me that they will come to office and meet my superiors, but i dont understand why? Will this method of pressurization get money to the bank or will i pay? I will be more frustrated and so my employer, why would they talk to deal with any employees personal matters? This event can suck my job my employment.

Conclusion - i have decided to end by going legal, i dont care how much time i will have to spend but i will end this. I will sue each and every person related to this matter. I have talked to my lawyer regarding the same, i will bet my life for this, and make sure this dosent happen to anyone who is suffering from financial problems.