ICICI Bank — tribal farmer family threatened by icici bank head office & surat regional office

Address:	Mumbai City, Maharashtra, 400051
Website:	www.icicibank.com

To
Ms chanda kochhar
Managing director & chief executive officer
Icici bank ltd
Bandra kurla complex
Mumbai.

Dear madam,
I am anjaliben jayeshbhai from surat, gujarat state. I am a tribal farmer, and also a house wife. I request and plead your high office to save me and my family from the extreme harassment inflicted upon me and my family, committed in general by your icici bank ltd senior corporate management officers at bank head office, icici bank ltd central team, and in particular by regional debt manager, mr. Prakash mudaliar and senior bank officer, mr bhaveesh desai, from icici bank ltd regional office at surat, state gujarat.

Madam, i and my old aged senior citizen, mother in law are being threatened and tortured by the recovery goonda's of icici bank and montu sarkar, who claims to be head of icici bank, for recovery of loan accounts which were closed in the year 2009. Now, after 9 years, some recovery goondas who claimed to be from icici bank entered my premises in the afternoon at 12pm on feb 9, 2018. I was alone at my home along with my aged mother in law who is a senior citizen. We both women were terrorized and threatened with dire consequences if i do not pay them the desired amount. We were threatened that they will keep on visiting at odd hours and at all times and that the head of icici bank, montu sarkar has authorised them to somehow extort the money from us. Soon after, i received a call from[protected], someone, claiming to be montu sarkar, icici head, who claimed that he will take the money by hook or crook. He asked me to sell my agriculture land at valsad district and pay him the money. My land is mentioned as tribal land 73/a/a. They were forcing me to sign on some legal papers which i refused. The bank recovery goonda's are threatening me that they will not hesitate to resort to physically assault my family publicly. I informed him to send me a letter from his office with the statement of account, and all that, whatever he wanted to speak to me on phone. He outright refused and used filthy abusive, below the belt language and threatened me that if i want safety for my family, i must give him the money demanded by him. Before this incident of feb 09, 2018, a week before, on 2nd feb 2018, three so called recovery goonda's had visited my residence and created a ruckus and vandalism. They made me talk to some head of icici bank recovery head mumbai office, who also had then abused me and threatened me with dire consequences if we don't pay the money demanded by them. The visiting recovery goonda abused me with castiest remarks and was outraging my modesty and that of my aged mother in law. All the filthy words mentioning and demeaning my tribal caste and community were used to humiliate me and my mother in law. We were humiliated by worst castiest remarks that the banks should not lend money to people from caste such as sweepers and aadivasi's. The words mentioned herein above were spoken in the gujarati language such as, dheda, dubla añè aadivasi's. So called banking officers of icici bank and its recovery goonda's were humiliating me and my family.

On registering my complaint at your office through email, few days after, regional debt manager, mr. Prakash mudaliar and senior bank officer, mr bhaveesh desai had met me. I was informed by them that there was an outstanding of some loan account of the year of march 2009. I informed them that the said loan accounts were closed itself in the year 2009 by the icici bank ltd.in the year 2009, i and my family were informed and assured that since all the loan accounts were closed, hence no amount would be demanded and the bank regional office and debt manager at surat were informed accordingly. Ever since, from 2009 till february 02, 2018, for full nine years, no one from icici bank ever visited my residence or have ever contacted me or have ever demanded any sort of outstanding loan amount.
I requested mr prakash mudaliar and mr bhaveesh desai to show me the documents for which they were sending goondas to my residence. I was informed by these two officials and i was shocked to notice that icici bank and its officials had prepared bogus forged documents showing that i and my family had credited some amount in my loan accounts from my savings bank account in the year 2014 and in another account in the year 2015. Since the year 2009, i and my family have never used nor have done any sort of transaction in any such accounts of icici bank. All my accounts were dormant from the year 2009. As per to the reserve bank of india, no dormant account is made operative without kyc. I wanted to know, how my dormant accounts were made operative without following kyc norms. I was shocked to notice, the way icici bank had forged bogus documents to show that a dormant account since last many years was activated just to prove and show that i and my family had deposited the amount in the savings bank account and that i and my family had deposited some amount in the loan account transferred from my savings bank account. I demanded to know, how much amount was credited in the loan account, both the officers, mr. Prakash mudaliar and mr bhaveesh desai pleaded ignorance and they didnt have the answer. It seems icici bank and its management is above the law of the land and above the constitution of india. The modus operandi of the senior banking officials proves that icici bank and its senior management do hoot care for the law of the land and just to somehow terrorize and threaten customers to somehow pressurize them to part with their money.
Bogus and forged documents are being created by the icici bank and its officers to somehow coerce and involve me and my family into acknowledging the debt. The said documents were shown to me.in the documents which were shown to me, there were letters which claimed that i am my family had requested the icici bank, for prepayment of the so called bank loan account. Highly scandalous and scary!!! I requested these two officials to show me the letter which they claimed that i and my family had sent to icici bank requesting them for prepayment for so called bank loan accounts. They could not furnish. I requested to show me the counter foil of the branch where the bank claims that certain amount was credited in my loan account in 2014. I wanted to know who had deposited and who had signed in the cash deposit foil slip. Again over here, both the officers could not furnish. It seems there are many more people and banking officials who are involved in forging and producing of such bogus and forged documents. I don’t understand, why would i and my family, send letters to icici bank ltd, requesting for pre payment of the loan accounts, already when my loan accounts were closed nine years back in the year 2009.

It seems that the icici bank ltd senior management and icici bank ltd central team along with the icici bank ltd regional office at surat and many more are involved in creation of such bogus and forged documents to somehow threaten poor tribal farmers and its family. Senior management of icici bank ltd cannot escape the liability for creation of bogus and forged documents since these two officers, mr prakash mudaliar and senior bank officer, mr bhaveesh desai are salaried employees of the bank. The icici bank senior level management is vicariously liable for such acts of its on roll salaried employees. The corporate management office of icic bank ltd is directly vicariously liable for all criminal actions of producing and creating bogus and forged documents.
Madam, i and my family, being from a downtrodden tribal farmer’s family, have been constantly writing to you and have earlier brought this to your notice in february 2018. Every time i write to you, i receive vague replies from your office and your senior management officer’s refuses to acknowledge the criminal act committed by your bank central team and your authorized banking officers of your icici regional head office located at surat. It is highly obnoxious and unexpected to notice such apathy from your high office. The entire complaint of criminal act has been brushed aside conveniently to save your officers from legal obligation for the act and omissions committed by your bank and its officers. Being a woman yourself, i thought you will acknowledge my complaint which is of a serious nature against a woman, and that you shall take necessary action against the criminal intimation of your banking officials. Inspite of writing to you and bringing the facts to your kind information, you conveniently choose to brush aside my complaint. I am under severe depression due to the humiliation and mental torture caused by icici bank head, its banking official and its recovery goonda's. I am being terrorised and fear for the lives of my family. The icici bank head and its recovery goonda's should be held responsible for any uncertain harm to me or my family members.

I wish to put on record,
I have been writing about the torture by icici bank, to the icici bank managing director through emails and to various government departments including to the office of banking ombudsman, reserve bank of india.
The icici bank head and its banking officials are constantly harassing me and my family, threatening me for recovery of loan amount whose loan account was closed nine years back in 2009. Icici bank and its officers are threatening me that they will somehow acquire my family ancestor’s inherited agricultural land, by creating and producing forged and bogus documents to prove acknowledgement of debt. Nor i or any of my family members have ever taken, any loan by mortgaging our property and have never ever mortgaged our ancestors inherited agriculture farming land. Senior level management of icici bank are terrorising me and my family by all their means and actions. Being farmer, i and my family belong to a humble tribal family and hence vulnerable to this torture. Senior corporate management of icici bank is vicariously liable for my plight and should be held responsible in case for any untoward incident indulging in my death.

With immense grief and strong protest

Anjaliben jayeshbhai

Cc copy, fax copy and copy sent by registered post to,

1. Shri ramnath kovind
Hon'ble president of india
Rashtrapati bhavan
New delhi

2. Hon'ble mr. Justice jasti chelameswar
Hon'ble judge, supreme court of india
The registrar,
Supreme court of india,
Tilak marg,
New delhi-110201

3. Hon'ble justice ranjan gogoi
Hon'ble justice, supreme court
Supreme court of india
Tilak marg, new delhi 110201

4. Hon'ble justice subhash reddy
Hon'ble chief justice of gujarat high court.

5. Hon'ble director general of police, dgp sir
Police bhawan
Sector 18,
Gandhinagar
Gujarat state

6. Shri nandkumar sai
Hon'ble chairman sir
National commission for schedule tribe (St)
New delhi
India

7. Shri urjit patel
Hon'ble governor
Reserve bank of india
Mumbai