Oct 10, 2008 07:25 PM
5570 Views
Please be careful if someone from ICICI offers aLOAN, the word itself is a burden however through ICICI it is as good as signing a Death Contract of your own. I had been offerred a loan of Rs 1lakh on 10~15%(reducing), wherein I also got a commitment for ESC deduction after 8th of every month. I was shocked and went into depression after recieving a letter from ICICI which demanded an EMI of 4082/-Rs on 27% reducing. Top of it I started getting regular threatnings on my personal contact no by the same executive named Manish who wanted 10000/-Rs as a commission of his.
*The story is really dramatic: My 1st mail to ICICI bank after a telephonic conversation in call centres:
Greetings,
This has reference to my Loan Account no: LPDEL00013940577 and the complaint no sited above wherein I have highlighted a case of Forgery or miscommunication or fake commitment happened with me. I registered this case no. of times however; I would again like to drive your attention towards my earlier complaint no-SR79330962.Again today dated:20th Sep’08 I spoke to the person named siddharth and got new complaint no:- SR80158161.
At the time of applying, I clearly requested to the executive named Manish Kumar that I willn't be able to aishwaryasingh23 any EMIs before 7th day of every month, also I had been committed to avail the facilities of personal loan of 1 lakh Rs at the rate of 10~15% reducing(as per Manish- It was a corporate discount for BPO customers). For my Colleagues and me it was a handsome offer, hence we agreed to this. Although I got my loan for Rs 99000/- approved after pathetic telephonic conversation. Couple of days back I was shocked because of a phone call, which was done by Mr. Manish saying that, I will have to aishwaryasingh23 Rs10000/- as a bribe or commission to him. I was really under depression because of his regular threatening on my mobile. In addition to this your confirmation letter of EMIs and all, ‘Added Salt to Injury’ by breaking my trust on such a reputed bank. That letter was for confirmation of EMI amount and due date for the same. I am really shocked to know that I am being charged or my EMIs are being calculated at 27% reducing wherein I have been committed for 10~15%reducing one. It was like a tsunami to me, which is going to disturb my financial as well as my mental status.
Hence, I will not be able to aishwaryasingh23 according to your letter rather I will move to consumer forum if No step is being taken before the due date(5th Oct’08). I have also escalated this matter to Mr. B. MadhivAnasultann, Senior General MAnasultanger, Service Quality.
Would really appreciate if someone looks into this and reverts, else ICICI cannot stop the BANG thereafter.
Thanks and Regards
Gajendra Pratap Singh
_
Sender: ICICI Bank Customer Care
Date: Oct 03, 2008 17:16(GMT+09:00)
Title: RE:'ICICICARE=030-837-346' Product: Personal Loan / New Customer /gajendra.s@partner.samsung.com
Dear Mr. Singh,
As per confirmation received from the department concerned, we wish to inform you that Rate of Interest charged for your Personal Loan Account is as per Loan Agreement copy which is duly signed by loan applicant.
Hence, we are unable to process your request for reduction in rate of interest charged.
Further, please be informed that as per our existing guidelines the due date of the Equated Monthly Installment(EMI) cannot be changed. Thus we regret our inability to service your request. Further, the installment dates are fixed parameter according to the loan agreement and remains fixed throughout the tenure.
The installment for your loan will be banked according to the Reaishwaryasingh23ment Schedule.
Sincerely
Santosh Singh
Customer Service Officer
ICICI Bank Limited_
From: Gajendra Pratap Singh [mailto:gajendra.s@partner.samsung.com]
Sent: Saturday, September 20, 2008 6:27 PM
To:'ICICI Bank Customer Care'
Subject: RE:'ICICICARE=030-837-346' Product: Personal Loan / New Customer /gajendra.s@partner.samsung.com
Subject: RE: Product: Personal Loan / New Customer/gajendra.s@partner.samsung.com st1\:*{behavior:url(#default#ieooui)}
Greetings,
Hi Ashwini / Sameer and Madhuri,
This has reference to the reminder enclosed below. You all can check in mail enclosed that every time a different person is reverting to my mails and with a different date of reverts. I am not here just to play Mail - Mail with you people. Just to save you from my reminders is not enough. Because?Action Speaks More Effective than Words?.
Let me reiterate:
As per your letter, my due date for 1st Installment is on 5th Oct?08 but until my issue is not resolved I am not agree for the said Transaction, because till now my grievances are unattended.
Ø Rate of Interest : 10~15%( on reducing basis as committed to me)
Ø Due Date : On or after 8th of every month.
Thanks and Regards
Gajendra Pratap Singh
_From: ICICI Bank Customer Care [mailto:customer.care@icicibank.com]
Sent: Sunday, September 28, 2008 11:17 AM
To: gajendra.s@partner.samsung.com
Subject: RE:'ICICICARE=030-837-346' Product: Personal Loan / New Customer /gajendra.s@partner.samsung.com
Dear Mr. Singh,
We realize that we have caused you a great deal of inconvenience, for which we are extremely apologetic. We have forwarded your complaint to the concern department on priority basis, we will surely get back to you by October 01, 2008.
Once again, please accept our sincere apologies for the inordinate delay.
Sincerely,
Ashwini Sawant
Customer Service Officer
ICICI Bank Limited
_ From: Gajendra Pratap Singh [mailto:gajendra.s@partner.samsung.com] Sent: Wednesday, September 24, 2008 1:21 PMTo:'ICICI Bank Customer Care'Subject: RE:'ICICICARE=030-837-346' Product: Personal Loan / New Customer /gajendra.s@partner.samsung.com
Dear Mr. Mhaske,
Reminder 1: This has reference to my previous mails wherein I have been committed to get a revert by 23rd Sep?08 but unfortunately there is NO RESPONSE till now.
Is this a care ICICI is committing about? As my Due Date is near to come, let me remind you my Grievances:
Ø Rate of Interest : 10~15%( on reducing basis as committed to me)
Ø Due Date : On or after 8th of every month.
Would really appreciate if someone reverts with a proper and positive response.*
*Thanks and Regards
Gajendra Pratap Singh
