ICICI Bank — Lien on my saving account

Address:	Chennai, Tamil Nadu, 600079
Website:	WWW.ICICIBANK.COM

LIEN Marked on Savings a/c
Sir/Madam,

This is to lodge a complaint against ICICI Bank Credit Card/Loan Department who has illegally put the amount in my savings account on lien for credit card joining Fee outstanding of year 2008. There was absolutely no communication (via email, phone call and hard copy letter). They have all of a sudden upgraded my credit limit and later on i came to know that they are charging 35000 as a joining fee for upgraded card, once i came to know i have immediately made all payments against purchases and have not used the card.

When I inquired about this LIEN they talked very easily said that they have authority to do so. When I have informed them about the 35000/- charged towards joining fee in the card they told I have to pay an amount of 52000/- against my outstanding which is nothing but a principal amount of 35000 being Credit Card Joining Fee charged + Interest and late fees on the same ?????. I Have made all payments against all purchases made and had not used the card once this huge amount reflected in my statement.

As on today My Saving account is blocked and completely washed off. The balance is 0.


I was not at all contacted either by Credit Card Dept or Recovery Dept. Now they are telling that they'll not remove the blocking until unless I pay the total outstanding which they are still showing as 52000/-

Particularly look for answers to the following queries from my side:

1. Inspite of Giving all clarifications in Lok Adalat years back and the Judge informing ICICI personal that customer is not at fault why this issue has suddenly arose after so many years ?
2. Why was I not informed about the one sided decision taken by the bank?


Name: MANOJ K JAIN
ICICI Bank Savings A/c no.[protected] Chennai


How can credit card/Loan department put amount from my saving account on lien for recovery without informing me and after my continuous call to customer care to solve the dispute on my credit card Joining Fee Issue?

I have once again clarified the above issue with Branch Manager Mr Palaniappan, Deputy Branch Manager Madam Jesal and Mr Seshan from Credit Card Dept at Ambattur... Still all look helpless to me.

I would like to lodge a case against ICICI Bank. Also, please remove the lien on my savings account at the earliest.


I request you to please contact ICICI bank and remove lien on my savings account.


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

Regards.
MANOJ K JAIN