ICICI Bank — Personal loan - cancellation issue

Dear Raidu Sir,

We regret the inconvenience caused. We request you to email us your concern with your contact details on [protected]@icicibank.com. Please mention the UID (a374wr) in the subject line of your email. Our official will assist you.

Regards,
ICICI Bank Customer Service Team

ICICI Bank --- Personal loan cancellation issue --- EMI wrongly debited

Last month I got a call from ICICI executive regarding personal loan. I said I need some money but I am trying to get it through relatives. The executive told me that i can mail her some required documents as formality and the loan will ONLY BE DISPERSED WHEN I WILL REPLY TO AN OFFICIAL ICICI MAIL through my personal mail. I was convinced. Two days later without my consent the loan amount was credited into my salary account. Moreover, the amount was less than what I required and that too of 2 years duration while I asked for 3 years loan. I called customer care, went the branch and did whatever possible to get the loan cancelled. It took 1 month to all this to happen. On 5th of this month it was due date for my loan and an EMI of Rs.6278 was about to be auto debited. I had given a cheque and written consent to ICICI executive with full loan amount earlier credited to me. On 5th morning all of the loan amount was taken back by the bank, but in the evening an EMI of Rs. 6278 was deducted.
I am now feeling cheated. First I never asked for loan than even after giving the loan amount back an EMI of Rs. 6278 was deducted. WHY? PLEASE HELP in getting my amount refunded?

Regards,

Vikas Sharda
LOAN ACCOUNT: LPGUR[protected]

ICICI Bank --- Personal loan cancellation issue. EMI wrongly debited

Recently i had taken personal loan from icici bank, Bangalore. I received call from agency that icici bank has giving lesser rate of interest of 11.29 % (currently i m having personal loan in hdfc with 13.5% interest). After two days the person’s executive called me and told that you are eligible for rate interest 11.29% which is currently offering for your company. I said ok for 11.29%, where as I came to know through customer care person with rate of interest 11.60%, when i reached to icici bank, RT Nagar branch regarding the interest issue. They simply told please contact the executive/ channel. For this issue. I dont want the loan with this much of interest, they simply told that we cant able cancel this loan as its already disbursed to you. For any clarification please contact the executive, we are not responsible for any your issue. If you want cancel the loan you need pay 5% prepayment charges + 3000 loan cancellation charges.
I have not getting any benefits on this Balance Transferring. I called to that Relationship manager Kalepalli Kishore who approved this loan his mobile number is [protected] now he is not picking my call now. Please take the appropriate action and cancel the loan without any extra charges I can only return the amount which I got in my bank account. My loan number is LPBNG[protected]
Regards,

Manjunath M
LOAN ACCOUNT: LPBNG[protected]

Recently my brother had taken personal loan from icici bank, chennai. He received call from agency that icici bank is giving lesser rate of interest of 12.99 % ( currently he is having personal loan in Axis bank with 13.99% interest). Loan was been processing since a month without giving him any details about emi, tenure and interest rate. After a month Loan Representative called him and asked payslip and bank cheque scan copy to check on the eligibility criteria . Next day(Yesterday 29th Aug 2018 ) he got a mail from icici stating that "We would like to inform you that we have transferred Rs 30322.5 Thirty Thousand Three Hundred Twenty-Two & fifty Paise Only via Electronic Transfer to your Account" without giving him any details and he called the loan representative and asked about the details. He said it is processed. now we want the loan to be cancelled and cancellation acknowledgement should be sent to his email id without any charges.

Kindly close the loan without any delay

My brother has already raised the complaint over mail as he is restricted to use of cell phone during working hours.

Please find his details below,

Name : M CHANDRASEKARAN
Loan application Number : LPCHE[protected]

Res. Sir,

At the time of loan Application it was informed to me that 0% pre-closure charges for the loan after one year.loan acc. No.:-LPSUR[protected], MR.BIPIN DEVRAJBHAI JAYANI

Before signing the loan agreement, I asked representative from your bank to give the details regarding the loan, I was informed by mr.sunand solanki (ahemdabad branch as per telephonic discussion) that I will get a call from ICICI PL disbursement team and they will says

all the details in call and they will send the details of loan to my email id, But none of the these two steps taken place, but amount was directly credited to my account.still date I donot received in agrrement copy

(I WANT FOR VERIFIED & CHECK MY SIGNATURE )PLZ SEND BY MAIL.IT WAS ALREADY APLLIED BEFORE 5 DAYS, BUT NOT RECEIVED STILL DATE

wel come letter, it is not reliable for me & your also

If the pre-closure charges are 5% I don’t need the loan, but he was given assurity at that time, but at that time he was not ready to give reply.HE WAS ALSO SEND MAIL THROUGH HIS CHANNEL PARTNER MR.AMIT CHAUHAN IN MY EMAIL ID ABOUT P.F & FOR CLOSER CHARGES, ATTACH WITH MAIL& CALL RECORDING ATTACH

Based on this I applied loan in ICICI, but when go in icici bank for closer after 1 yr, he says that pre closure charges are 5%, which was not agreed.

Please get back to me at the earliest.i also contact many times at surat head office & icici bank twitter & grivelance mail, but i was not received any reply

Thanks

Dr. Bipin Jayani

Mo.:[protected]