ICICI Bank — Lien marked on savings a/c with icici bank

Address:	New Delhi, Delhi, 110001
Website:	www.icicibank.com

Sir / madam,

This is to lodge a complaint against icici bank loan / collection department who has unjustifiably put the amount in my savings account # xxx224 on lien for loan taken from the bank in fy 2002 and duly settled in fy 2004-05. There was absolutely no communication regarding loan statement (Via email, phone call and hard copy letter). Since loan was settled now for more than 12 years, there was no transactions / communication regarding the same from the bank's side. Since the loan was duly settled, i was sanctioned two more loans afterwards which i have again paid in full.

When i enquired about this they talked very easily said that they have authority to do so against my outstanding for which they are not even giving the details. My account is blocked by rs. 10, 196/-. Instead at the customer care i was mentally harassed by again and again saying that i am a defaulter. I could not bear this undue behaviour because i have duly settled my loan, just because some bank official's has not closed my loan and on account of bank's inefficiency i cannot be punished.

I have already settled my loan 12 year back, i have not got any statement from banker and not at all contacted before marking lien. Now they are telling that they'll not remove the blocking until unless i pay the total outstanding which they are still showing as 10, 196/-. Particularly look for answers to the following queries :

1. Is bank authorities / collection agents sleeping for last 12 years?
2. Why wasn't i contacted about details before marking lien?
3. If ban k is holding me a defaulter, how bank can sanction two loans subsequently?
4. Why was i not informed about the one sided decision taken by the bank?
5. How can collection department put amount from my saving account on lien for recovery without informing me? Later i am getting a letter saying that the lien has been marked.
6. Bank has not provided statement of loan account?
7. Our money is not safe even in bank??

I would like to lodge my compliant against icici bank for removal the lien on my all my savings account at the earliest.

I request you to please contact icici bank and remove lien on my savings accounts immediately,

Looking forward to an early and favorable action from your side.

Neelam mishra
Mobile # [protected]