[Resolved]  ICICI Bank — personal loans required

Address:

New Delhi, Delhi, 110092

Dear sir/mam,
I was bought a new car (Datsun ready go) from nissan datsun in 2016. Which is financed by nissan finance private limited for five years. That time i was earning 22000 per month by pvt job. When i was signing loan documents at that time, there were many papers in front of me. They did not explain anything to me about the loan papers and say that quickly sign it and let me for quickly process. That time i have given icici bank check to nissan for ecs. Loan amount sectioned from nissan 240000 with 10.50% interest rate which happens around 69000 in five years. Monthly car installment goes to 5170.
From year 2017 my wife fell ill. Lack of money ecs check bounced started due to inefficient account balance. After that my installment go to late few months till january 2019. During this time, i was not aware that i’m paying 2 side bouncing charge. They continue cut bouncing charge and never informed to me. However, they have my email id and contact number. First is icici bank bouncing charge with gst and nissan finance charge with 3% interest. After when i’m complain to nissan customer care they are given me mou paper which is signed by me.
Till now i have paid to icici bank around 22000 as a bouncing charge and nisan bouncing charge around 27000 confirmed by nisan customer care still pending.
I have icici and hdfc credit cards. Those cards have total limit around 45000. Because of my wife illness and lack of money i was not able to pay credit card bill timely that time. Due to this activity my civil score fell down. Now i’m not eligible for any loans. I have so many labilities.
Pfa nisan finance and icici bank bouncing statement from aug 2016 to till date
Right now i have to required money for my wife treatment and collage fee. I had applied for personal loan but its rejected due to bad civil score. However, my payment going timely from january 2019.
Sir/mam,
Humble request to you please ask to bank for reimbursement of bouncing charge.
Kindly arrange to provide me personal loan for wife ill treatment and payment for collage fee. She’s doing d. Ed. (Special education) from rci.
Name: nageshwar pratap singh
Mobile: [protected]
Pan: dsmps0709b
Icici account number:[protected]
Ifsc code: icic0001070