Reserve Bank Of India [RBI] — Cheating icici bank in the name of services

Address:	110070
Website:	icici

My replies in red
On mon, may 30, 2016 at 6:07 pm, shreya khithani wrote:
Dear ms. Puri,

We refer to your e-mail dated may 23, 2016.

At the outset, we sincerely apologize for the inconvenience caused to you.

As discussed today and as informed in our previous e-mail dated april 15, 2016, your complaint has been referred to the chief customer service officer (Ccso) and internal ombudsman of the bank (Appointed on the directive of rbi to look into the complaints) whose opinion is given below:

We find that the bank has levied interest and other charges as per the terms and conditions on which the card was issued.

Since you did not have the card number, it was provided to you on january 4, 2016 so that you can make the payment. As a gesture of goodwill, the bank had reversed the financial charges and given a confirmation to you on january 22, 2016.- no reversal was made

However, there has been a delay in making payment of the subsequent statements at our end. For your convenience, the bank had also arranged to send a representative to collect the payment. - after regular reminders representative came in may to collect the payment (Earlier no response from any representative and made delay in resolution)

We also wish to inform you that we have been sending the statements on your registered e-mail id every month. To change the mailing address, we request you to call our customer care from your registered mobile number and place the request for address change. - not getting regularly on my mail & have been calling your customer service since last year to change the address/go confirmation calls as well but no change in address/then started mailing with reminders from 17th dec 2015 but still pending

In view of the above, it is therefore, clear that the complaint has no merit and is required to be rejected. - kudos to your services!

In case you are not satisfied with our response and wish to further pursue the matter, you may write to the office of the banking ombudsman, reserve bank of india of your region for redressal of your grievances whose services are offered "free of cost". The scheme of banking ombudsman promoted by reserve bank of india is prominently displayed at all branches of icici bank and their website.

Please access the below mentioned link to view the address:

http://www.icicibank.com/online-safe-banking/ces/banking-ombudsman.Page.

As on may 30, 2016, the total outstanding on your credit card account is rs. 2, 115.81 for which the due date is on june 2, 2016. Apart from this, 4 more emi's are pending to be billed in your credit card statement. - as per total outstanding (Actual amount) is 7500 which you can pick anytime

We wish to inform you that, you may make the payment through cash or cheque or through online options like neft, click to pay or through internet banking using icici bank account (If any).

For collection of outstanding dues on your credit card you need to get in touch with our debt manager, mr. Sudhakar kumar on his mobile number [protected]. He will make arrangements to collect the dues from you.

We look forward to your co-operation.

Sincerely,

Shreya khithani
Manager
Senior management desk

Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank.


From: rakhi puri [mailto:rakhi.[protected]@gmail.com]
Sent: monday, may 23, 2016 12:21 pm
To: senior management desk /rcsg/ibank/bkc; chanda kochhar /corp/ibank/bkc; kamath k. V. /corporate/ibank/bkc
Subject: re: 'icicicare=[protected]' icici bank ltd reminder 25

How many times you guys want me to explain below:

I have been telling you to change the address from last year - still not done

Irregular bills from last year end

You have transferred to emi to closed card without informing me

I have closed that old account through which i was making payment (Last year)

I got one time assisted with payment in han hence did but since feb asking for payment assistance which i got this month after the due date (I have been sending you reminders to resolve it earliest to avoid charges since you are making me pay for your team's response delay

You call this service???

I have been almost charged 5000 extra (Late fees due to your delay in payment pickup - check my reminders/mails), is it justified??? You made delay and asking me to pay???

Again i know you guys would not close my card and keep dragging to harass me more and ask me to pay extra...This is new way of increasing icici collection iguess.

Please waive off all extra charges and close my card as per me the total amount is left 7500 which i can pay now/any moment your person can come and collect

Again requesting you to resolve/close this in this month to avoid problems for you and me both!

Stop harassing ppl like this


On fri, may 20, 2016 at 6:17 pm, shreya khithani wrote:
Dear ms. Puri,

We refer to our e-mail dated may 12, 2016.

At the outset, we sincerely apologize for the inconvenience caused to you.

We wish to confirm that the outstanding as per april 2016 statement was rs. 13, 438.89 for which the due date wa son may 3, 2016. We received the payment of rs. 15, 000.00 on may 11, 216.

As we received the payment after the due date, the applicable late payment charge of rs. 600.00 and interest charge of rs. 403.25 + service tax is levied in your credit card statement.

Also, 4 more emi's are pending to be billed in your credit card statement. As per may 2016 statement, the total outstanding is rs. 2, 115.81 for which the due date is on june 2, 2016.

We wish to inform you that, you may make the payment through cash or cheque or through online options like neft, click to pay or through internet banking using icici bank account (If any).

Further, as per our findings, our official tried calling you. However, they were unable to establish contact with you. Later, we understand that you had called our official and sent an sms of your address to collect the payment. Nevertheless, we apologize for the inconvenience caused to you in this matter.

We hope we have clarified the matter.

We look forward to your co-operation.

Sincerely,

Shreya khithani
Manager
Senior management desk

Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank.


From: rakhi puri [mailto:rakhi.[protected]@gmail.com]
Sent: 20 may 2016 11:59
To: senior management desk /rcsg/ibank/bkc; kamath k. V. /corporate/ibank/bkc; chanda kochhar /corp/ibank/bkc
Subject: re: 'icicicare=[protected]' always delay and no resolution again charged but no resolution - reminder 24

How many more days you would take to close this???

Or again planned to send me bill or your inefficiency/delay???

Got the below mail today - i don't know still you guys updated the address or not:

Dear customer,

Greetings from icici bank.

We wish to inform you that credit card statement for your icici bank account xx2018 has been sent through post on 19-may-16.

You will receive it within 12 working days.

Sincerely,

Customer service team
Icici bank limited.

This is an auto generated e-mail. Please do not reply.


On tue, may 17, 2016 at 12:12 pm, rakhi puri wrote:
Inline image 1

Again you have kept those charged levied due to your delays and inefficiency, almost 5000 extra on your delay... Why you want me to pay on your team's inefficiency of handling their jobs well???

3 more installment amount left as per me 7500 to be in total, take it and close the card at the earliest before i get another email statement instead hard copy as i am sure you guys would have still not updated my address.

You don't send the bills on time, change card as per your convinience and ask customer to pay due to that...Kudos to the new way/era of services from icici credit cards...

Thanks god i don't use icici card for my regular purchase. I would have ended up paying 20000 avg extra every 3rd month to you ppl this way...Citi is best ! Using from 2006 without such hassels, smooth services... They manage my avg 80000 bill monthly without issues, you guys don't even seem to do that for such a small amount!

On tue, may 17, 2016 at 12:03 pm, rakhi puri wrote:
I paid the thing from [protected] which i still have how you have transferred on your own to other card which i don't have?

Still nothing sorted.

Close the card i want to get rid of you guys!

On wed, may 11, 2016 at 1:36 pm, rakhi puri wrote:
Yesterday night paid 15000 to one of your executive and as per me another 7500 left on the card

Close the card and get the money collected

I will not pay extra charged due to late resolution offered from your team (Last bill was also received only in march)

Really tired of your services/i can't even call that services.

I paid the flipkart emi with my rubyx card given and i don't know how come you have transferred the amount to the oldest card which i told you guys to close before this was issues and you ppl expect to keep any card information from customers to harass them your way.

We will not spend our hard earned money due to your inefficient system to service/irritate ppl. If you can't manage stop issuing cards and banking

After following up from feb i got person yesterday to collect the payment, it could have been done in feb and things would have settled.

Worst experience


On thu, may 5, 2016 at 1:28 pm, rakhi puri wrote:
How much more you want me to be looted for your delay/incompetency???

As still no resolution

On tue, may 3, 2016 at 5:27 pm, rakhi puri wrote:


On mon, may 2, 2016 at 6:05 pm, rakhi puri wrote:
First of all i did call that person on 28th and still waiting his call back to collect the payment

You guys delay in resolution and ask customers to pay for your delays

Close my card and let me get rid of decoits like icici

On mon, may 2, 2016 at 5:43 pm, manasi mohare wrote:
Dear ms. Puri,

For collection of outstanding dues on your credit card you need to get in touch with our official, mr. Anish gupta on +91 [protected]. He will make arrangements to collect the dues from you.

Charges will continue to accrue if no payment is made towards the outstanding amount.

Sincerely,
Manasi mohare
Chief manager
Senior management desk


From: rakhi puri [mailto:rakhi.[protected]@gmail.com]
Sent: 28 april 2016 10:12
To: senior management desk /rcsg/ibank/bkc; kamath k. V. /corporate/ibank/bkc; chanda kochhar /corp/ibank/bkc
Subject: re: 'icicicare=[protected]' always delay and no resolution - reminder 20

Still no resolution

One more month passed

Got another sms and below mail on your delay and asked me to pay for your team's inefficiency:

Dear customer,
Apr 28, 2016


Payment on your icici bank credit card account no 5241 xxxx xxxx 2018 is due on 03/05/2016. You may choose to pay the total bill amount of rs. 13438.89 or the minimum amount of rs. 10360.

Please ignore the communication in case if you have already made the payment through any other mode.

Looking forward to your co-operation in helping us serve you better.

Sincerely,
Icici bank credit cards team.
This is a system generated mail. Please do not reply to this e-mail


I don't get any bills as on date since the day i shifted from mumbai and closed my account with you

I don't have your credit card with me asking to close but you guys are not closing it - probabaly new way to earn extra (Is icici going cash trouble? It seems collecting money from ppl like this to pay salary to inefficient ppl hired who are not even doing their jobs to assist customers)

It's been three months asking credit card details to make the payment but instead assisting in payment you guys are delaying and asking me to pay for your delay in resolution/assistance in payment

Is this the way icici is operating now????

I regret the day i took the credit card from the fraudlent person who called and forcefully gave this card (I never used but one transaction wasted so much of my time and energy, i should not have used this even once)

Called your debit officer but to my surprise he didn't have any details and aksed me that he would call back, let's see how many days he would take...

No bills yet at my home and no resolution on payment but you guys are asking on late payment & extra charges levied on card due to your delay in sending the person to collect payment


On fri, apr 8, 2016 at 2:28 pm, sandhya amin wrote:
Dear ms. Puri,

We refer to your e-mail of april 6, 2016.

We are examining your complaint once again.

We will respond to you by april 18, 2016. Kindly note that the offices of the bank are closed for business on april 8, 2016, april 14, 2016 and april 15, 2016 due to bank holidays. Hence, there will be a delay in reverting to you.

We request your co-operation in the interim.

Thank you for writing to us.

Sincerely,

Sandhya amin

Senior manager
Senior management desk

Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank.


From: rakhi puri [mailto:rakhi.[protected]@gmail.com]
Sent: 06 april 2016 11:47
To: kamath k. V. /corporate/ibank/bkc; chanda kochhar /corp/ibank/bkc
Subject: fwd: 'icicicare=[protected]' icici bank ltd reminder - 15

Hi mr. Kamath/ms. Kochhar,

I have been shifted from mumbai last year and closed my account end of the year with you guys where my credit card was saved for payments.

I had one credit card issued from you in 2014 which i told them to close when they send me rubyx which was committed to me is free lifetime hence i took else i was happy with my current credit cards i have.

They later after wasting my 2-3 months fights waived off those 3000 charged which i was happy with service as you ppl could justity that.

I hardly used that card. I had one emi on that card and after shifting to delhi i had to close bombay account so i did and then requested to close my card but i don't know why and how your team shifted my emi to my old card which i don't have from last alsmost 2 years.

January some of your executive helped me with the card no to make the payment which i was able to do but from feb i have been asking your team to help me on payment about 15 reminders and 2 months frustration of making them understand that i have not been getting physical copy of the bills also from last one year. Told them to change the address on mail/phone but still they arranged someone to call from mumbai to come at my mumbai address for payment which more frustrated me and wasted my time.

Every time i put reminder and literally plead to share the details on time as it could be situation later when you guys will force me to pay extra charged which automatically you would put due to your delayed response and not to my surprise you team mailed i have to bare those 2 month payment delay charges which is actually due to delay in assistance from your team.

I have got a debt manager no from your team which i have still not called and even i don't know whether that person is from delhi but i am surprised the way icici is behaving with the customers as after telling your team that i am pregnant and can't go to any branch to make the payment, you need to help me doing it online but they took two months to give me resolution on this.

Just tell me if this is the way you guys are building your repo in the market and i doubt how this service would function globally.

People do credit card frauds but being a good citizen i hate such things and i want to close my credit card with you as every month this problem would come towards payment as i am paying a card which i don't have and i can't afford to take pressure on things at my medical situation.

I am really angry on your system and team.

Please get my card closed and be genuine. Rater asking a customer pay their hard earned money on you team's in-efficiency of resolving the issue on time assisting their customers.

Kudos to such guts!

Irate customer
Rakhi puri
[protected]


[protected] forwarded message[protected]
From: rakhi puri
Date: fri, apr 1, 2016 at 9:11 am
Subject: re: 'icicicare=[protected]' icici bank ltd reminder - 14
To: chanda.[protected]@icicibank.com, neha manjrekar

On 30 mar 2016 15:37, "rakhi puri" wrote:


On mon, mar 28, 2016 at 3:10 pm, rakhi puri wrote:
As written by me you guys took 3 months to share contact details for the payment why should i pay for your delay????

And why should i wait for another month so that you can charge me more for your inefficiency of handling your operations???

I am ready to pay the principal amount not the extra charges which you put every month due to your delay in resolution

On mon, mar 28, 2016 at 2:00 pm, shreya khithani wrote:
Dear ms. Puri,

We refer to your e-mail dated march 23, 2016 addressed to ms. Chanda kochhar.

As informed in our previous e-mail dated march 23, 2016, we request you to make the total payment of rs. 9, 904.16 and write back to us to close the credit card account.

We request you to contact our area debt manager, mr anish gupta on his mobile number [protected] for further assistance.

We look forward to your co-operation.

Sincerely,

Shreya khithani
Senior management desk
Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank.


-----original message-----
From: rakhi puri (Rakhi.[protected]@gmail.com)
Date: wednesday, march 23, 2016 08:55 pm
To: neha manjrekar (Senior.[protected]@icicibank.com)
Cc: chanda.[protected]@icicibank.com (Chanda.[protected]@icicibank.com)
Subject: re:'icicicare=[protected]' icici bank ltd


Why you want me to pay for your delay????

I can't keep any relationship with icici bank

I don't understand how many times i have to explain same thing

I am ready to pay the amout liable but not which is caused due to your team's casual behaviour

Close the the card and confirm the total so i can get rid of you

On 23 mar 2016 19:22, "shreya khithani" wrote:
Dear ms. Puri,

We refer to your e-mail dated march 23, 2016 addressed to the senior management.

At the outset, we sincerely apologize for the inconvenience caused to you due to the delay in responding to you.

As on march 23, 2016 the total outstanding on your credit card account is rs. 9, 904.16 for which the due date is on april 3, 2016. We request you to make the complete payment and write back to us to close the credit card account.

We will be glad if you reconsider your decision.

We request you to contact our area debt manager, mr anish gupta on his mobile number [protected] for further assistance.

We look forward to your co-operation.

Sincerely,

Shreya khithani
Senior management desk
Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank.


-----original message-----
From: rakhi puri (Rakhi.[protected]@gmail.com)
Date: wednesday, march 23, 2016 11:44 am
To: neha manjrekar (Senior.[protected]@icicibank.com)
Subject: re: 'icicicare=[protected]' always delay and no resolution - reminder 12


On sat, mar 19, 2016 at 2:48 pm, pooja tenguria wrote:
Dear ms. Puri,
We refer to your e-mail dated march 18, 2016 addressed to ms. Chanda kochhar.

We acknowledge the receipt of your communication. We will initiate investigation of your concern/s and our official will confirm to you the date of resolution on march 22, 2015.

We look forward to your co-operation in the interim.

Sincerely,

Pooja tenguria
Senior management desk
Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer
"this e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank."


-----original message-----
From: rakhi puri (Rakhi.[protected]@gmail.com)
Date: friday, march 18, 2016 01:21 pm
To: neha manjrekar (Senior.[protected]@icicibank.com); chanda.[protected]@icicibank.com (Chanda.[protected]@icicibank.com)
Subject: always delay and no resolution -


Hi pooja,

Can you close my card and send the final amount so i can call him pay off and get rid of this mess?

I am pregnant and not willing to take further stress.

Only one request that don't make me pay for your delays in resolving the issue.

I gave my new address long ago but got call from your team last month that they updated my new address and i was surprised again got call from the mumbai office day before yesterday instead delhi.

How much communication gap and delays your system give?


Below was the mail send yesterday from me:

It should be 5000/7500 not 9900.

Almost 2400/4900 extra you have sent me the bill of your leniency of not resolving the issue

How many months more you would take to resolve this.

Why don't you let me go??? As asked many times.

Close my card - not interested to keep any relation with icici bank

Absolute lazy bank

I was asked to wait till 17th still no resolution


[protected] forwarded message[protected]
From:
Date: thu, mar 17, 2016 at 12:21 am
Subject: your credit card statement for the period 16-feb-2016 to 15-mar-2016
To: rakhi.[protected]@gmail.com

On thu, mar 17, 2016 at 8:03 pm, pooja tenguria wrote:
Dear ms. Puri,

We refer to your e-mail dated march 11, 2016 addressed to ms.
Chanda kochhar.

At the outset, we regret the inconvenience caused to you.

We understand that our debt manager, mr. Pravinn desai called you today to discuss the matter. However, we understand that you are in delhi. Hence, our delhi area debt manager, mr anish gupta tried reaching you, to discuss the matter. However, is unable to reach you.

We request you to contact our
Area debt manager, mr anish gupta on +91 [protected], for further assistance.

We look forward to your co-operation in the interim.

Sincerely,

Pooja tenguria
Senior management desk
Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer
"this e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank."


-----original message-----
From: rakhi puri (Rakhi.[protected]@gmail.com)
Date: friday, march 11, 2016 01:06 pm
To: neha manjrekar (Senior.[protected]@icicibank.com); chanda.[protected]@icicibank.com (Chanda.[protected]@icicibank.com)
Subject: re: reminder 10 : 'icicicare=[protected]' newsletter mail re: issue in credit card payments - reminder 8


Can you simply close everything?????


I don't want any relations with icici at all


On thu, mar 10, 2016 at 5:02 pm, rakhi puri wrote:


On thu, mar 10, 2016 at 9:52 am, rakhi puri wrote:
After 8 reminders still no one came to collect money or i have received my card details to make the payment and you guys want me to pay for your delays. ..Is this the icici standards or they have started new ways to collect donation?

I don't get this.

I want to get rid of you and with all my current accounts. Will initiate the process for all braslm media entertainment and braslm drug care both llp accounts and close this card once and for all.

You guys are not less then dacoits in a way to take hard earned money from ppl from different ways...Almost 2 month delay in assisting in payment and you asked a pregnant lady to go to your worst branches where i need to stand for no reason explaining things to 10 ppl...You lazy team calls up and still coming to collect the money. ...I don't know if they are coming from moon.

It's really irritating...I think i should speak with my lawyer once for such harassment ...It's mental, non ethical...Absolute from services.

I can't believe the way you guys are working.

Learn something from citi kotak

On 9 mar 2016 22:24, "prachi bhogle" wrote:
Dear ms. Puri,

We refer to your e-mail dated march 6, 2016 addressed to the senior management.

At the outset, we sincerely regret the inconvenience caused to you.

We wish to reiterate that we had shared the card details with you dated january 7, 2016 and had informed you to place a request for a new card to avoid the delay in making the payment.

We had also informed you in one of our communication to make the payment by visiting any of the nearest branch as you had the card number with you. However, as you were unable to visit the branch nor were able to send on your behalf, we have arranged to send our executive to visit your communication address to collect the payment.

In view of above, we regret our inability to reverse any financial levied on your account.

We request you to make the payment of rs. 9, 626.23 to avoid any further charges on your account.

We have already reversed the charges amounting to rs. 726.18 on january 11, 2016 as a one time service gesture.

We look forward to your co-operation.

Sincerely,

Prachi bhogle
Senior management


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