Harassment on phone by ICICI Bank DSA for Credit Cards
78I am Rajinder Soni living in Patel Nagar, New Delhi, India. I would like to let the world know about the problems people have when using credit cards. When these credit card companies will offer you a credit card, they will show that they are very polite and soft and when you are unable to give them money for one single month, this is what they will do. I am really helpless and depressed over this issue and therefore thought to share my concerns with the internet community so that people who have suffered the same situation or are suffering a situation like me can get united and think over and solve this issue. I know there are a lot of intentional credit card defaulters in the world but what about people who are not intentional defaulters but are struggling for months to pay their credit card debt which never finishes off, as the interest rate is very high and is totally irrelevant. Read below what happened in my case. I have been a victim of harassment by a well-known international bank which has a lot of complaints against it in the business and financial market.
Here you go: I have been receiving threatening and harassment calls from ICICI bank for payment of my credit card no. 4477474321XXXXXX. I have been using this card now for the last 2 or more years and up until now I have used 85000/- INR and paid 65240/- INR to ICICI bank. I started receiving calls from a person by the name of Mr. Rajesh Tiwari (contact # 9810601913, 011-43080502) who tells me that he is a senior manager at Rohini branch, ICICI Bank Ltd., Garg Plaza, 5 Community Centre, Sector 8, Rohini Delhi. Pin - 110085.
He called me up on March 25, 2009 and today, March 26, 2009 and started abusing me to give 3800/- INR in form of cash for payment of my credit card. I told him that I will pay the rest of the amount when my next month's salary will come in, i.e., April 7, 2009 but he refused and told me that I am sending two people to collect money from your home failing which I will pick up from your home and beat you like anything. After receiving these wordings from a person posing as a senior manager in ICICI bank, I thought that this person cannot be a manager and might be a DSA (direct sales associate). I again told him that I do not have this much amount to pay right now but you can take a postdated cheque from me instead for April 8, 2009 when I will receive money in my account. At this statement of mine, Mr. Rajesh Tiwari told me that you are cheap person and started abusing me and told me that you do not have money to pay than how you will pay after receiving salary. He told me that I am sending two people and pay 1800, 1000, or 800 whatever you have as it is our closing time and month ending and we have a target. I disconnected his phone and filed an FIR # with DY no. 25A in Patel Nagar Police Station to Duty Officer Mr. Partar Singh and he took my application and gave me a copy of that in receiving stating that we will see to this case and will take action. After coming out from the Patel Nagar Police Station, I received a call from mobile number 9818677179. The caller (sub inspector Mr. Yadav) told me that he is calling from Pahar Ganj Police Station and come and meet me in person at Room #12 in Pahar Ganj Police Station.
I am really threatened and depressed because of this behavior done by the ICICI bank and its employees and feel that me and my family are not safe at our home.
I request internet community to please look into my issue and tell me what to do?
I will be highly obliged if someone can suggest something.
Thanks,
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Thank you Sangeet for the really good information and helpful advice. I think you have faced this kind of behavior by some credit card people. I am talking with ICICI Bank regarding the settlement issue but it is going on in one way and on the other side, they are telling DSA to call and get money out of my pocket. How much the amount should be, they are not worried. Regarding the credit card number, I would like to tell you that it is in a blocked status and I am not in my life going to reissue it as I am so fed of this bank that I cannot tell you. Then also for safety concerns, I will remove my number from the hub. Thanks for at least looking at this matter.
Take the following steps:
1) Never, ever mention your CC no online.
2) What is the minimum amount due? If you have been paying regularly, it will be 5% of the Total amount due. The bank CANNOT force you to pay more than that.
3) Confirm who is calling you. If you ever make a payment in cash, please take a valid receipt then and there. DO NOT make any payment without a receipt.
4) Contact the bank. Make them to confirm that the person who is calling is their representative.
5) Go to the bank branch from which the person that you named is calling. Meet the Branch Manager.
6) Go to ICICI site, Get the e-mail ID of the highest ranked person in the credit cards department. Mail him/her with all the details. Keep sending reminders marking them as reinder1,2,3 and so on.
7) If all the above steps dont work, complain to the Ombudsman. IT WORKS BEAUTIFULLY!
Thank you very much EssKay for really useful information you have provided over here. You are great as is hubpages for helping people. I will do all the steps you have told me and if at last nothing will work for me, I will complain to the banking Ombudsman. Thanks again Mr. EssKay.
Harassment on phone by ICICI Bank DSA
Very sensible advice, thanks for your hub.
Yes Sophie I am thankful to EssKay for providing such brilliant tips and sensible advice for stopping harrasment calls by ICICI bank direct sales associates.
great hub!
Thanks Gin for your concern.
Dear Mr. Soni,
Welcome to the world of "Illusions", to tell u the truth, these people are not from any police station, neither from any Bank branches.....they are the collection agencies. They have a rule they follow " If their customer is polite and soft, they become rude and harsh. But their customer is Rude and tells them to do what ever they want to, they will never bother them again, they are always on the look out for easy prey, which you are becoming now. So do not kneel down, the next time they call u and tell u to come to the police station or tell u to give them the money, tell them to Fuckk off and say that u are ot paying,do what ever you want to, believe you me, these people do not understand the poite way, u need to get really tought with them if you want to get rid of them, this is friendly advice from a person who has gone through this crap already.
Regards
Thank you very much Akki for helping me out and letting me understand about these recovery people. After reading your advice, I have done the same and its helped a lot. I think there will be no calls from now on. Besides, I am talking with the bank authorities for the same and trying to go for a settlement. Can you tell how to land for a good settlement which is in my favor as I do want to pay but not that much higher these people are asking for. Thanks in advance.
I thank all you people over here and also the Almighty for giving me the knowledge and wisdom to settle my ICICI card. I am very happy after the settlement as I am not recieving any further calls and the recovery agents have stopped visiting my home.
It all started when I lodged the FIR in the police station and mailed the ICICI bank nodal officer and customer care department regarding the harassment. I even stopped paying payments due on my card from February until today and then I recieved a call from another recovery agent's office stating that we are eager to settle your card at 32000 INR for the 1,12,000 INR amount due. I again negotiated with them that I have just got 25000 rupees with me for paying as a settlement as I have already paid back 67000 out of 85000 INR that was remaining on my side. The recovery agent told me that we can settle your card in 25000 and please increase your payment up to 29000 to which I agreed a day before yesterday and made a draft favoring ICICI bank credit card No........... so and so. I recieved the settlment letter on the same day and contacted customer care to check if the letter was not fake as there have been instances with other people who have got fake settlement letters. The customer care department confirmed that a settlement letter has been issued for your account and is genuine and not fake. I am very happy with the feeling of getting rid of this huge debt of over 1 lakh rupees.
I thank all the hubbers and visitors to this hub, especially EssKay and Akki, who have shown me the right way to settle my card. Thanks once again.
Dear..I am jobless now.I have to pay 50K to ICICI credit payment.I have purchase approx 1Lacs.Now 50k is rest.This is Ist month which i not pay.How to resove this issue.Even they are using vulgor words on phone.As i know ICICI is start callin directly.
Thanks
Shanu
ICICI bank employees will never start calling you directly with abusive words and these are Direct Sales Associates or DSA of the bank. They will always keep saying that we are bank employees but it is wrong. When you will visit the bank, you will never find any person who is calling you. Arrange for some money like 15 to 20000 and negotiate with them for a settlement. Tell them that this is the only money you have.. that's it. Let them wait for one to two or may be three months. The more months you will wait, the better negotiation will be done. One thing to note, you will be listed as a defaulter in CIBIL and if you do not want to be a defaulter, tell them to make installments or pay in full amount. Defaulter means that you will not be able to get any loans further from this bank and might be other banks and the amount which you have not paid will be listed in the CIBIL for years. Now it is your choice if you have money with you, pay them in full and close the card and if you do not have enough money, negotiate for a good settlement amount. Take care Shanu....
Hello Mr. soni.I read your problem and completely understood that becoz I am also going through the same phase.As Mr. akki says that these men are from collection agencies and not from ICICI bank.They dont understand polite language,be rude to them and remember the more you rude the more you will get relief.These people are bastets.and one more thing I would like to tell you that if you receive these kind of calls in future simply log on to delhipolice.nic.in .This is a official website of delhi police.There you can get a option to file a direct complaint against them and this complaint is directly go to DCP or ACP office and then the legal action is guranted.These recovery agents job is to threaten a customer to receive payments,if u get polite with them they will abuse you,and if you get rude to them they will never bother you.So Chill.......
Thank you very much Yash for your response and sharing the common cause with me and other people who have suffered a lot because of these agents. The idea of filing a direct complaint against them in the Delhi police website is great. Yes I agree that if you will be rude with them, they will not bother you and if you will be polite, they will become more indecent.
I usually handle it this way. This was for a personal loan.
Those who call are often from call centers and recovery agents who have outdated info.
1. I ask for their employment number.
2. I ask for their office address and inform them that this conversation has been recorded and police will be visiting.
3. I ask my office legal adviser to send a show cause notice.
This usually cools them off. They harassed me even after I had paid on time. Thankfully now it is over.
Thank you very much bala for sharing your experience. It really helps people who are stuck in this case.
Hi, I used Icici card but stoped making payments as I lost my job. Now I am not working and its been around a year that I have not made any payments. The outstanding due is somewhere around 30000. I want to clear this up.. Please suggest.
soni, I apologise for stepping into your domain, but, i needed to help the man.
Dear Rohit,
It is not that Banks do not understand the predicament of people impacted by recession. Go for a one time settlement. Negotiate the amount to be paid. With some luck you will getaway with a nominally lesser amount.
The other option is to negotiate for an EMI that is affordable to you as of now.
You will lose the card both ways, perhaps a blessing in disguise.
I am really sorry that I was on vacation and was late to comment over here and Bala, please do not apologise for stepping into my domain, as it is not my personal one and if it would have been, then also it was fine with me because you are just helping the person who is in need of some good advice. Yes, Rohit, you can follow Bala's advice and do the same. Bala is saying true that bank recovery agents and even bank do not understand the loss of jobs and problems people are facing nowadays. When you will say that I lost my job or I am not working due to recession, they will say "every person has the same thing to say nowadays recession and recession and we are fed up with this word and we just need our money, get it from anywhere". So calm them down with some tactics and unofficial language is they speak, return them the same and everything will cool down. Take care. Best of luck Rohit and thanks once again Bala for your cooperation.
dear sirs,
myself ashok singh also a victim of ICICI credit card.i have paid my minimum due amount in each month but in may and june i had not paid due to some financial crices,in this regards i wrote a mail to bank ,kindly give me two months time i will pay all dues.bank replied and stated u have charged interest.
on 30th june 09 bank lean my all saving/salary a/c,agains due amount rs 86000, when i talk to customer care they told it is bank rule and bank having all authorities to do anything,i contacted again and again but they nothing listen.on 4th july09 bank debited my all saving a/c(rs 28128)without any information ,i shocked !!!!!!!!!!again i try to contact customer care they said u have to pay rs 70000 for settlement against due rs 86000,i said ok u return my saving a/c and within 15 days i will pay all rs 70000 dues.But they not did same.and again send a statement on 9th july ,u have to pay rs 61000.
i surprised,they people said rs 42000 u have to pay bcz bank already debited rs 28128,i have arranged 42000 on 22nd july and contacted customer care,they said u have go to a particular said address,bcz nowadays settelment from phone is stopped.
i went said address but there was icici direct office,they people said last 1 year here no credit card department, u go bank,i went icici bank,jamnagar,bank employee said there is no such department for settelment,and told u have to talk customer care.
again and again i contacted customer care they said same adress and told it is my syatem updated address.i fed up i want to settle my a/c but bank cheated me again and again.
i want settled my dues whatever bank agree(Rs 70000)and no more
i request to all of u please suggest me what should i do??bcz bank already cut 28128 frommy saving a/c and again 61000 due up t0 26/07/09.
Hi Ashok thanks for dropping by. Visit http://www.icicibank.com/Pfsuser/customer/html/cus
and complete all four steps, for example in step 1: Click here for online submission of your grievance.
Step 2: Contact Mr. Avijit Saha, Head, Customer Service.
Click here to send an e-mail to Mr. Avijit Saha.
Step 3: Contact Mr.Shiva Kumar Tadikonda, Nodal Officer.
Click here to send an e-mail to Mr. Shiva Kumar Tadikonda.
Step 4: Contact Mr. B. Madhivanan, Senior General Manager, Service Quality.
Click here to send an e-mail to Mr. Madhivanan
Do all the steps. Do not wait. I did it got my settlement done in 10 days.
While writing an email to them also mention that please settle my icici card no.XXXXXXXXXXXXXX or I would have to contact the banking ombudsman.
Believe me after doing this, you will definitely get your card settled. Have patience. Also to note, while writing the email, include your working mobile no. or contact no. mailing address and valid email ID.
Best of luck
thanks mr.soni ............for guiding me.
but no clicking link connect to mail id of as u said person.please provide mail id.thanks
Mr. Singh please visit the above site and you will find all the related email ids of nodal officer, etc.
thanks a lot mr. soni
i will mail to as said persons ,after settling i will back to u.thanks a lot for unvaluable guidance.
Its my pleasure Ashok.
I wrote a hub / article on exactly this. I am sorry to hear you are being harassed to the point of depression.
Thanks for the support Talisommi. I am happy that that problem has resolved and I have all my credit card debts by doing settlements.
just give the person threatening u my mobile number 919758150725.and tell him that contact me regarding ur credit card.
mein uski maa bhen ek kar duna ,en saalo ko jeetni gali ho sake do kuch nahi bigad payenge ye
Thanks Mr. Walia. I have resolved the issue many days back and I have done the same as you have advised.
hi,this is vijayaragavan from bangalore as iloss my job i could"t make my payment,now i got a call from police station that i should come to give explaination wheather its true.now i am very confuesed please help me out...
Hey Vijay. Don't get nervous or depressed as this call is not from the police station but these are the DSA agents doing the calls with different numbers. Do one thing tell them that I am coming and go ahead and register an FIR with the police station in your area. See you have to make this payment today or tomorrow but no one has the right to harass you. Write a letter stating all the numbers from where you are getting calls and names and give one of them a missed call when you are in front of the police officer writing your complaint in the police station. Let the person call you up and abuse you and open up the speaker phone and tell the police officer that see this person is calling me again and abusing and harassing me and my family.
I did the same thing a few days back and I have not received a single call after that. Believe me this is the best thing to do to teach a lesson to these men.
Dear Vijayaragavan,
We're sorry to hear about your experience. Please write to us with your credit card number and contact details at care@icicibank.com. We'll contact you and work to address your issue.
Regards,
ICICI Customer Service Team.
Thanks for having a look at this issue.
Dear Sir / Mam,
I am using ICICI bank credit card number 4477XXXXXXX8003 in chandigarh location,I have used this card approx 2.6 years & at that time all the payments are done on time, but due to recession I lost my jobs in June & then I was unable to do the payments, in October I get the job in Delhi & I have contacted ICICI bank regarding payment, they advised that card is blocked & only final settlement can be done. After discussion, customer care has asked me to submitt the 28000/- amount within 10days. But again unfortunatly I met with a little accident, I was unable to do the payment, now again I am trying to contact ICICI customer care but I am not getting any positive response. Please help me out. I want to activate my card & I am ready to pay 28000 as discussed as I dont want to be wrong paymaster, as I need loan after sometime for my marriage, if card cannot be activate then at that instance I need more discount from my payments & settlement letter, that I have no liablity. Please understand my genuine problem & Requested to help me out with early response. And Today I have received a call from Mumbai, person named snehal (SR123897500) asked me to payment before 3rd December,she has told that your settlement letter has sent to your address on 4th November, but till now I haven't received, when I asked about soft copy of that letter, she refuse to provide me that. Please help me, i am a good paymaster but unfortunately due to some bad times, I am facing this situation, hope you people will understand my problem & help me out.I am attaching the mail also which I received from ICICI bank care. Please go through it & advice.
Regards,
Ameet
Ameet, I understand your situation and the problems you are facing. First of all don't worry too much as this can ruin your health. I have written out some steps to do in this article regarding these types of problems. Please read them carefully and follow them and everything will go well. Best of luck.
Dear Sir,
I have already follow those four steps, I have already mail. But not getting response, because I dont want to pay the amount without settlement letter & NOC, b'coz they used to take the money & give no NOC, as I explain i need loan so has to be stated with CIBIL. Please help.
http://www.icicibank.com/Pfsuser/customer/html/cus
and complete all four steps, for example in step 1: Click here for online submission of your grievance.
Step 2: Contact Mr. Avijit Saha, Head, Customer Service.
Click here to send an e-mail to Mr. Avijit Saha.
Step 3: Contact Mr.Shiva Kumar Tadikonda, Nodal Officer.
Click here to send an e-mail to Mr. Shiva Kumar Tadikonda.
Step 4: Contact Mr. B. Madhivanan, Senior General Manager, Service Quality.
Dear Ameet, please give at least 4 to 5 days for response to come and let the things settle on their own and if then also, nothing happens contact banking ombudsman for ICICI bank.
Dear Sir,
I have received call from ICICI after discussion on 27152, settlemement finalized, & they have sent me a letter covering Sub - settlement of dues on icici bank credit card number XXXXXXXXXXXXXXXX.advice of payment on date & if not paid then it will be null & viod.,
Now, my question, is as per my knowledge it is only payment advice not the NOC, suggest me regarding this, i need to pay within a week, so request to early advice.
Regards,
Ameet
Ameet, you will receive the NOC from the ICICI BANK customer care executive when you will submit the DD or cash for the payment. First of all, don't give in cash and make a demand draft of the amount, also keep the dd slip with you and a photocopy of the dd. Next, tell customer care executive to show NOC first and keep it in your hand and then give him the DD. best of luck.
Dear Ameet,
We're sorry to hear about your experience.
Please write to us with your contact details and credit card number at care@icicibank.com. We'll contact you and work to address your issue.
Regards,
ICICI Customer Service Team.
Thanks a lot ICICI Customer Service Team for looking at the case of Ameet and for the above message.
do u want to know this no belongs to whom and where he lives
Yes definitely. Please tell me John.
Dear Sir,
As per settlement letter & discussion with Mr.NItin of icici bank (nitin.saini@icicibank.com), i have deposited the money, & he assure that he will send me , the zero balance statement which shows there will no dues of ICICI towards me. But after a month, I have not received the letter, & now i am receiving mail from care@icicibank.com, that there is outstanding on your credit card of amount 13000 around. Please suggest me what to do. This is totally wrong with me. Please guide me.
Contact ICICI Bank nodal officer links given above to lodge a complaint regarding your debt settlement. This happened because you did not took the letter at the time when you were making payments. I am going to publish a new article and please read these instructions before going to settle a credit card. Just a minute.
I advice all of you to go through my latest hub Credit Card Settlement: How to calculate, negotiate, and close the deal?
http://hubpages.com/hub/credit-card-settlement-how
I have mentioned very important steps in this article and I bet that any person struggling to get rid of credit card debt will have answers to his/her questions in some way or other. I tried to cover everything. Best of luck.
As per settlement letter & discussion with Mr.vikas of icici bank i have deposited the money, I& he assure that he will send me , the zero balance statement which shows there will no dues of ICICI towards me. But after a month, I have not received the letter, & now i am receiving mail from care@icicibank.com, that there is outstanding on your credit card of amount 13000 around. Please suggest me what to do. This is totally wrong with me. Please guide me.
Nothing can be done now Selva. The main mistake you have done is that you have not taken the letter at the time of settlement. I think they will try to get 13000 from you or you have to settle that 13000 again at a small amount may be 4000 or 5000 INR. That's why I published a new hub a few days back helping people who get in clutches of these bank agents sometimes supplying fake settlement letters. Here is the link: http://hubpages.com/hub/credit-card-settlement-how
Go through this one it is very important and highly recommended and once you do this, you will never fall prey to these strategies of fake agents.
They mailed me soft copy the settlement letter. is it ok.
Mr Soni,
Thanks to you for sharing so much of valuable information...I need to settle two CC (SCB and SBI)..I had enough of these goons kind of people and do not want to interact with him...please advice how should I go about settling the same..MY total dues together seems to be 70K however actual prinicipal is about 12-13k (this is 6 years old due).
regards,
azzju
Please go through the steps I have mentioned in this article: http://hubpages.com/hub/credit-card-settlement-how
Dear soni
Could please give advice me on this today I have paid 65000RS as per settlement letter they send me (soft copy the settlement letter)r. Actual amount they are showing (1, 40,000) .
I cannot get you what you are saying. Please explain in detail?
Thx Soni....Did the first Step...I called the SBI Customer Care and Customer care executive told me to call on monday so that they can pull all the statements..I have told them to send the same to my email ID first so that I can Study them....Going by your logic of spending and payments...I would have already paid them what I spent...it was the rolling credit issue and All interest and no prinicipal...Let me know if I need to do anything else at this point of time...I have given them my number so will wait and see how it goes...
Hi azzu, you have done a great job. Now just wait and when the opportunity comes do all the remaining steps. Best of luck.
Hello Mr.soni,
Myself ashok 9 months ago ,i have taken your advise regarding icici credit cards,as per your suggestion i have mailed to corresponding person and i had got call ,but they ignored my earliar settelment 0f Rs42000 and said today your bill is 61000,i surprised and they also suggested the adress where i can settled my account but when i reached that place the office is not there and somebody told this office shifted to icici bank two years ago,then i reached to icici bank,jamanagr bank told no credit card issue entertained here they suggested some private agents for settlememt,i have totally shocked and querreled with bank employees also,but there is no solution.again i asked to customer care they again told me same adress when i aksed to cc there is no such adress available they simply replied in my systemthis adress is given.
after 15 days new statement comes of rs 69000 ,again i shocked,i totally exhausted,then i call again cc and finally setteled my account on 10th aug09.
I have paid all dues whatever bank asked bcz i was so frustrated,after 7 months a new bill generated against me of rs 110 in april10. I have shocked and yet i have not received my settelement letter which is due from aug09 from bank.immediately i mailed to bank why this statement comes again,they said by default it happened and your letter will send as soon as possible.
So Mr.soni,there would be need to govt. prepared some norms against these banks otherwise public hrassed by their demoral activities.
thans a lot again mr. soni for doing great job to assit,moralized and guide public like me.
I am so sorry about your case Mr. Singh. They have totally confused you and did what they want to do with you. Why didn't you wrote me a comment over here when you were struggling with these problems. I would have definitely assisted you at that time. Okay, now there is no profit in crying over spilled milk. Yes government must take some action against these bank's DSA agents who take such drastic steps in getting their money out. They don't know any morals and ethics, they just know to get their money out from the customer. RBI has taken many steps against this and I think will take more in the upcoming months.
For your condition, I would advice that if you are having any more problems with the bank, go ahead and hire a lawyer and file a lawsuit against the DSA AGENTS or the bank for your mental harassment, misguiding you, and demoralizing activities, etc. Also use your latest payment slip as an evidence to make your care strong enough.
If I would have been on your side, I would have done that thing long time ago. They need to learn a lesson.
Dear Mr. Soni,
Heartly thanks for support.
It's my pleasure Ashok. If you have any further questions about this, let me know. I am always there.
Hi All,
I have a slightly different issue,
I took a loan from ICICI bank based on a credit card which i have been using back in 2007. The total amount was 2.34Lakhs, and due to some confusions this was granted to me as 2 loans, ie, 1.34L and 1L. I took these loans for my marriage purposes,
since i was going on leave for my marriage i made 3 months EMI payment to my credit card account thinking that EMI will be deducted from credit card(since this is a credit card based loan),
Once i was back from my holidays, i foudn that ICICI has pre closed the loan for non-receipt of EMI's(please note that they havent informed me about this on my contact number), as i had to make the EMI payment to a loan account number which was not communicated to me. I discussed the issue with them, and made them check my credit card account to prove my case. They asked me to make a payment of 30K which i did immediately to reopen the loan.
Once this was settled i was calmly paying EMI per month to that loan account number.
But the problem happened the next year, when one of my paymet(which was made through an agent) did not get reflected. I started getting calls from ICICI collection agents, i got irritated and visited the branch office and spoke with the collection manager. We found out that the agent had by mistake credited the amount to another account(thats what they said,luckily i had my receipt).
I had enough with ICICI and wanted to preclose the loan, but when i asked about the settlement amount, i got the shock of my life, they asked me to make a payment of 4.83 Lakhs. I was totally shocked and asked them how can a loan of 2.34 become 4.83?? After checking the statements and details, we found out that, while reopening, by a technical mistake from ICICI, the loans was reopened like, 1.34+1+1.34 so in total the loan was reopened for 3.68L (and i was paying the interest for this amount).
They asked me to raise a complaint with customer care which i did (actually twice). I told them that i will not make any payment unless they resolve this issue and send me a letter in ICICI letter head with a small description.
They havent done that yet and still the issue is going on (its been around 1 n half years)
Every now and then the collection agents will start calling and harass. One guy even threatened and insulted me when i met him to discuss the issue. Now they have started calling my wife and disturbing her as well.
I am totally worried about the situation. The dilemma is,
if i go for a settlement, my name will be there in CIBIL, for an issue which is not my fault.
and still now they havenot corrected their records, the people calling me are still asking for 5 Lakhs, which i cant and will not pay.
Please can you suggest what i should do in this scenario?
Thanks
Jay
Hello Jay, Do what I did in my case.
First step: Send an email to customer care to look into your matter explaining all the detail and at last about how much time has passed by and also write that if not done at time or if they are unwilling to resolve the issue, you will go to the nodal officer and banking ombudsman for your problem.
Step 2: Copy and paste this letter to all ICICI customer care officers mentioned here: http://www.icicibank.com/Pfsuser/customer/html/cus
Step 3: Complete all steps mentioned in the page via the above link. Don't wait for a day or two. Do everything in one go.
Now you will receive calls within 2 days of doing this. Now you know how to negotiate and how to talk on this matter.
They will take what they have given to you and that is for sure. If you have received 2.34 lakhs from them show them the copy of your statement. If they claim to have given you 3.68 lakhs tell them to show the records.
If you have received 2.34 only or 3.68, just minus the amount you have paid in installments and make all the payments to remain out of the claws of CIBIL.
If you have not got so much money to pay, go for a better settlement in less price. It's up to you.
Hi Soni,
Thanks for the suggestions.I will definitely follow these steps and will post the results as soon as i get it.
Jay
Okay friend best of luck. We are waiting for some positive results.
Hi.
I hope you can help me. I reside in Nagpur and have an ICICI Bank CC and although I have just used around Rs.20000, the outstanding amount has jumped to Rs.57000. I admit I have not been paying the minimum amount due for quite sometime due to layoffs. Well, just last month, I got a call from a person saying that he was from the Delhi police and that there is an arrest warrant out in my name. The person gave me a name, Mr. B.S.Rana and told me to talk to him. I called this Rana guy and he told me that he was an advocate for ICICI bank and if I do not make the immediate payment, the Delhi police would pass on the case to Nagpur police and I would get arrested by evening. He then gave told me to go and meet a person in the bank and tak to him. I went to the bank and talked to the person and told him that I will require a few days to get the money and left a post dated check with the person. After I talked with my friends that evening, my friends told me that the call was not from the police and forget about it not to make the payment. They told me, why are you paying Rs57000 when you have used just Rs.20000. So, I listened to them and didn't make the payment. After a few days I realized that the cheque which I had given to the bank had bounced. I had completely forgotten about this cheque. Now, today, I again got a call from the Delhi police saying that an arrest warrant is out in my name under IPC section 138 for cheque bouncing and told me to contact the same person, BS rana regarding the matter. What should I do? Is the call legitimately from the Delhi police? I would like to go for a settlement. Please Help!!!
Hi BR, you need to contact a good lawyer and discuss your case with him because you have already provided a check and that check has already bounced. Though people calling you stating that they are from Delhi police are none other bank's DSAs. There is no police involvement in these types of cases but when you submitted the check and got it bounced, that has raised a big concern. I cannot help I am sorry.
hi, soni so don't worry abt that plz be quite and call the dsa people or whoever is there, just tell them i don't have a job at present i don't have the money if u will do harresment i will suicide and i will write fir to near plice station abt this. don't fear infront of them plz talk boldly k. for any hepl u can mail me at niza794@yahoo.com.
Thanks a lot for showing your concern Mohammed. I have already settled my card a year back I think. Now this article is for helping other people who are having problems with DSAs of banks.
Hi Fourm Im getting Harrasing calls from HDFC recovery agents after this i stop picking up the phone now those peoples are visiting my home...
Here the problem is i have outstanding amount not paying my dues since 2 months cause im jobless i got huge loss in my business now im very much frustrated please let me know how to get rid of this thanks ...
to get my bread all its tough im unble to pay if the agree for settlement also
today one rough looking guy visited my home we denied nobody is here by that name and he inquires in my area but no one responded he has gone back i don't have any source of income due to this suddenly i got mild heart pain .. after seeing to this guy even im not able to sleep concentrate on any thing
Hidayat, go to the police station and lodge a complaint with all the phone numbers and names of people who are harassing you. The next time person comes at home, call police immediately. Recovery agents cannot do like this. it is totally illegal. I know you are jobless but you need to pay the amount to the bank today or tomorrow. Arrange and borrow money from friends and go for a settlement. this is the best way to get rid of this problem for you.
Hi All,
On valuable advice of Mr. Soni, I have settled my ICICI credit. Thanks Mr. Soni & all others. I want to share my friend problem & need help from all. He was using HSBC credit card, he used around 2 years no problem of payment comes, in june 2009 he lost his jobs due to recession.He got new job in November 2009, six months job less.He was on way to collect money for HSBC, but in mid, in June 2010, one day he received a call," I am calling SI, a case has been filed on you, on tis hazari, i have to arrest you, note down the contact number of tis hazari advocate & discuss the same. He discussed with tis hazari advocate, but advocate refused to help. He again call back to SI, then SI gives a number of advocate, who can help him. He called advocate, advocate asking 15000/-(credit card limit - 15000 & bill generated 30000/-), my friend was so nervous & threat that inspite of knowing that he has been tapped by recovery agents, he gave 15000/- to that advocate. Advocate assured him that he need not to pay HSBC bill, no issue will come. But still HSBC people are sending bills of credit card. Now my freind want permanent solution & how to get rid of this issue. Please advice & help him.
Ameeet Raj
Oh my God. He has paid 15000 rupees to the advocate for closing his case. How come this can be possible? Why he didn't inquire it at first instance? There is no SI and there is no advocate who is doing that. Those are a group of recovery agents fetching as much money as they can from the consumer. You tell your friend to not call any SI and stop making any payments to advocate and do the steps I have mentioned above in the comments. Read them and apply them and I am sure your friend will be able to settle his credit card. Best of luck.
Dear Sir,
Thanks for response. Inspite of knowing that he has been tapped by recovery agents, he was so nervous & scared that he has given the money. Now will HSBC again ask for money, if yes then what about 15000/- which he has given to recovery agent. As he is right now not in condition to again give 15000/- to bank, as he borrow 15000/- for recovery agents.Is there any other way, to save his money.
Ameet
Has he acquired any bank deposit slip from the advocate? I mean has he paid this money to the advocate or paid to the bank as a form of credit card payment? Why don't you tell him to email nodal officers and senior officers of the bank writing up his problem as a form of letter. You can also write at the end that "If the bank authorities are unable to settle his card and give punishment to the guilty recovery agents, then he can approach banking ombudsman". I think this will work for him.
No sir, all the money he has taken in cash. That time i was out of station for training. He was so scared, by poice threatening, as he was going to marriage in june itself, so this was also of scaredness. If HSBC people ask money, can he say, that money has taken by recovery officer, but he has no evidence, except, phone number & few sms of them. If now, he will not pay the money, what can be consequence. ""If the bank authorities are unable to settle his card and give punishment to the guilty recovery agents, then he can approach banking ombudsman". I think this will work for him."" Please make this more clear.
Ameet
Hi Soni,i am struggling to pay my credit dues ,i have tried for settlement ,they says outstanding is 1 lakh,which i am unable to pay,i asked for a settlement for 40 thousand,but they dont agreeing they call me everday abuse and treaten me, they call my landline number and threaten my family ,please help me i want to settle but they dont agree for 40.
@Ameet and Ananth thanks for dropping by. For settling ICICI credit cards, visit http://www.icicibank.com/Pfsuser/customer/html/cus
and complete all four steps, for example in step 1: Click here for online submission of your grievance.
Step 2: Contact Mr. Avijit Saha, Head, Customer Service.
Click here to send an e-mail to Mr. Avijit Saha.
Step 3: Contact Mr.Shiva Kumar Tadikonda, Nodal Officer.
Click here to send an e-mail to Mr. Shiva Kumar Tadikonda.
Step 4: Contact Mr. B. Madhivanan, Senior General Manager, Service Quality.
Click here to send an e-mail to Mr. Madhivanan
Do all the steps. Do not wait. I did it got my settlement done in 10 days.
While writing an email to them also mention that please settle my icici card no.XXXXXXXXXXXXXX or I would have to contact the banking ombudsman.
Believe me after doing this, you will definitely get your card settled. Have patience. Also to note, while writing the email, include your working mobile no. or contact no. mailing address and valid email ID.
REGARDING SETTLING HSBC CREDIT CARDS:
Please visit http://www.hsbc.co.in/1/2/miscellaneous/grievance-
and complete all the steps listed one by one.
Hello Soni,
I am from hyderabad. I took d advice from people like and made a settlement with icici bank people in my credit card issue. i got all the letters in the letter head of icici bank that i cleared everything. the credit limit for my card is 1 lakh i made settlement by paying 70k. everything is fine for 2 months.settlement was done in september. now i got a legal notice from the lawyer of icici bank stating that setlements are not valid as per the new law passed by RBI. but den dey said to go for settlement and i paid dem by borrowing from my frds. now dey are again asking me to pay 1lac again. i spoke with the lawyer of bank directly he is saying that see in court. i am very much depressed. i dont know all des legal aspects and my parents are uneducated. i cant pay 1 lac again. i have all d documents with me. is dat anything like dat for dos who paid after in and after september dos settlements are not valid. please let me know fast as today only i got d mail and i have only 1 week time. please help me out.
There is no such thing that these people are talking about. They are simply taking the maximum money out of you. If you have got the final settlement letter, then how come they can say to see you in court or demand more money. You tell them to not call you again and they are calling again, file an FIR against them. They cannot do anything of you. Just go ahead and contact custumer care that I have settled my card and get a confirmation from them. If your card is really settled, you don't need to pay anything and if not, you need to pay at least something but not like the way they are trying to get out of you. You immediately contact bank's nodal officer and other officers and follow all the steps mentioned above. You will start getting a response back in 3 days and all will be well. Tell them that I have already settled and still the recovery agents are abusing. The person saying that he is a lawyer or a police officer is only a recovery agent. Don't make your fun. Don the necessary steps.
hi soni ,
I had taken SBI credit card in 2007 april,i used 10k fromthat. and its credit limit is 18k.i paid few installments of the same...my father has been hospitalised for one year and expired with kidney problem .Ima only earning person in my family becouse of these issues icoulnt pay my card bills now they were calling me .and recently they sent a mail to me "sending scan copy of the bailable warrant issued by hr. court on you to your HR and also i will send our hyd person with cops to your residence."
Please suggest me wat i can do now...i cant pay more expect 10k.
please help me out.
Those scanned bailable warrants and cops are fraud. They do not exist. There is no policy to do that. They are making fool of you. Go to the SBI website and check the address and email ids of nodal officers. Send them everything you have been sent by the recovery agents, even the scanned copies. Tell them about your situation. By the time, stop payments and whenever they call up, tell them do whatever you wanna do very politely and then try to negotiate by saying, I can only pay you 7K, then they will say not possible. Tell them I have all the proof that I have made so many previous installments and I have not to pay anything else and I am paying just 7K and I want to close and settle my card. Keep on insisting on settlement. And when they agree at an amount, tell them to send their executive with settlement letter and then call SBI customer care and confirm if and when the letter was generated for your credit card account settlement or closure. If they say yes, then pay the draft. Also, do not pay cash, never, pay in draft. It assures that the money is going to the bank itself and not going to any other third party.
Best of luck.
Hello, I am Shilpa. I had been using an ICICI BANK credit card with a credit limit of Rs.40,000/-. Time and again i must have atleast paid an amount of Rs. 15,000/- uptil Sep 2009. After that till present date, there has been a Gap in payment, due to personal reasons.
Now, i have been getting repeated calls on my mobile, landline number at undecent time from some very abrupt persons saying that they are calling from ICICI BANK (Where in i wonder, they dont even know proper ENGLISH, is the BANK really hiring such people? Who dont even have etiquette of how to interact in this Service Industry with the customers?)
They have taken out some Settlement letter on my name of Rs.37,600/- Now what i wonder is. Earlier (Sep 2009) when the outstanding amount on my Card was 39,000/- i have made regular payments of more than 15,000 altogether. So, why is the settlement been made just of Rs.37,600 /-?
I am not in a position to make a payment of this amount, but i seriously want to pay the amount to the bank against my card and settle the issue. Because it is really very disturbing. These people call at wee hours of the afternoon, evening and even night at about 9 - 10 pm..A person every alternate day comes to my home in afternoon (when i am not there) and talks very abruptly/rudely with my Mother as if he is some DON.. When i call that person and have spoken to him, he says he is calling directly from ICICI bank and is not any AGENT.
In such case what can be done? Whom do i have to approach for the settlement?
I hope my query is cleared.
Thanks in advance.
[P.S - I want to settle this issue, but i cant make a payment of Rs.37,600/-. Looking at the background of my CARD payments, i would request the ICICI BANK people, to adjust and settle this issue at the minimum cost of a decent amount. And please stop sending MAFIA type of people at my HOME. I dont owe Lacs or crores of Rupees to the bank]
Regards!
Hi Shilpa, if you have had only 5000 rupees and not given the payment for such time, these people would have done the same thing. They don't know about how much money but they know about how to get the money from you and for this, they will try to do as many things possible that they can do.
You need to settle the card, you are agreeing, and this is for sure but the amount you want to settle will be only negotiable if you will follow the things or steps I had taken previously to settle my card. You are a well educated girl so you know how to deal with them in a nice way. You need to contact all the nodal officers and customer care officers of the bank. I have already mentioned this thing for one person around many months back and I am just copying and pasting from above. Read this:
visit http://www.icicibank.com/Pfsuser/customer/html/cus
and complete all four steps, for example in step 1: Click here for online submission of your grievance.
Step 2: Contact Mr. Avijit Saha, Head, Customer Service.
Click here to send an e-mail to Mr. Avijit Saha.
Step 3: Contact Mr.Shiva Kumar Tadikonda, Nodal Officer.
Click here to send an e-mail to Mr. Shiva Kumar Tadikonda.
Step 4: Contact Mr. B. Madhivanan, Senior General Manager, Service Quality.
Click here to send an e-mail to Mr. Madhivanan
Do all the steps. Do not wait. I did it, got my settlement done in 10 days.
While writing an email to them also mention that please settle my icici card no.XXXXXXXXXXXXXX stating all the info you have stated in the comment here and also say that if the bank DSAs will keep on ruining my life, I will have to contact the banking ombudsman.
Believe me after doing this, you will definitely get your card settled. Have patience. Also to note, while writing the email, include your working mobile no. or contact no. mailing address and valid email ID.
Best of luck Shilpa.
DEAR FRIEND I HOLD icici bank credit card which i m using from 2006 the limit of my card is 3,49,000, The real problem started from sep 09 when i started getting losses in my business and i started paying minimum amt, before this if my outstanding is 2 lakhs i use to make full payment, and from last 1 yrs that's from sep 09 i m not able to pay full amt some time i paid 30 k some time 20 k like this .. before 4 months when i card when over limit to rs 393000 a collection person came and informed at the payment i asked him for the settlement of the card so he spoke to some senior person and negotiated the amt to 110000 rs i asked me to make 20000 chq payment i did the same way he told very next day he will give settlement letter but after 10 day i followed him with any response one day he call me and inform that the settlement is rejected and ask me to go for settlement for 3 lakhs what should i do im in heavy losses i dont have money to make my house rent also. now my outstanding is rs 4,16,500 in which 2,57,000 is my principle amt.. hemp me friends mmy email is is nayansinghvi@yahoo.com
This was really informative! My friend was complaining abt the same situation you were in. Will tell him about your hub.
Please tell your friend to follow the steps listed in this hub to get rid of her problem.
hello Mr Soni,
I am having the same problem,its about my loan in 2009 which was of 1.25lacs with ICICI.I did repayed them half d amount around 80thousand Rupees and because of the recession i lost my job.I was unable to pay for 3 months.i told those DSAs that i want to go for settelment but they just went away.suddenly ICICI advocate is calling me and telling me that u have to pay back the interest total of 2lacs and we r having our meeting tommorrow,otherwise we will take action.i just got paniced for a moment that,firstly some advocate of ICICI bank is calling and some meeting is going to happen and some bad thoughts started coming like what will happen if my name goes to police and will they harm my parents and so on.after reading all ur articles and suggestions i think i can reply them back in a rude way,as i did had some query that if this guy is an advocate,he knows to give a notice of around 1 month but this fake advocate is telling me we have r meeting tomorrow and u r in danger.
and I cannot repay back this big amount,i want to ask you
can settelment be done wth 10,000 or 12,000.as i am going through a very difficult time .
Please reply me soon and give me some suggestion and inspiration.
This is for sure that there is no advocate involved directly from the bank but this is bank's direct sales agent, recovery people, collection agencies whatever we say them are doing this. Don't panic and ease off. I don't know about the amount but I have already provided several steps above in the comments that you utilize to go for a settlement. Best of luck.
Write to the chairman Mr. Kamath : kamath.kv@icicibank.com He is a nice person...
hi soniji even i ahv same problem my hubbys credit card settlement ttl due was 350000 we paid 50000 and recovery agent said he will settle for 150000 thts half amount after paying 50000 he says its not possible i need to pay full payment.our position is not quiet good,lots of losses cant pay such huge amount.plz suggest and also sagar are u sure this is Mr kamanths email id.thanku
I HAD A TAKEN A CREDIT CARD FROM ICICI BANK IN 2007 FOR 1.34 LAKH FOR WHICH I WAS AN INR OF 4000. FROM APRIL 2010 DUE TO SOME FINANCIAL PROBLEM I DID NOT PAID THE INR. I GOT CALLS FROM BANK TO GO FOR FINAL SETTLEMENT. ACCORDINGLY I MADE A PAYMENT OF 25,500 RS. AND TOLD THEM TO CLOSE THE ACCOUNT FOR MORE 25000. THEY REFUSED AND ARE NOWTELLINGME TO SETTLE FOR RS.110000. WHICH IS NOT POSSIBLE FOR ME TO PAY AS I HAVE ALREADY TOLD THEM BEFORE PAYING 25500 ON 26/03/2011. PLEASE HELP ME AS I M GETTING THREATNING CALLS FROM BANK.
Hi Soniji,
I think 70 to 80% of the ICICI Bank card holders are facing these problems. Even am also the one. Anyway thank you for the chairman's mail id.
Hi all ,
I have taken a personal loan of 71000 in 2006 and i have paid 11emi and after that i lost my job i couldn't do it.
In 2008 i got a call from ICICI Bank guys for collection i asked for settlement and i have paid Rs 35000 and he given me the letter,after that till 12-08-11 i have not recieved any calls last week i got a call for asking for payment,the letter which they given presently i lost it ,i dont know what to do now,they are telling the loan a/c is not closed,i dont remember the collection guys no
Now collection guys are calling all my families and asking for payment and harassing all.
Kindly i requet you to help me on this
Please consult a lawyer who will help you in this matter. He will help you in coming to a settlement through the court, which will be minimum. The concerned person will also be given two to three years' time to pay the minimum settlement amount. The bankers cannot send anybody home to harass you or your family. In case they do, all you have to do is to show them the copy of the document related to the case filed against them. There are lawyers who are specialised in this. From the time you file the case you can stop paying all the EMIs and when the collection agent comes just show him a copy of the letter the lawyer gives you. All you will need is the lawyer's fees.
Hi friends. CAn any one help me in axis bank lien amt problem>
dear sir,
i have icici bank credit card but i never use of it.but one day i got an email that you used credit card for some australian institute about 25000 rs.i send a complaint to bank authorities through email.they cancel all my transaction.i call customer care officer he told me that there is no due.after 3 months again a call come and tell to pay the amount.i clearly said that i will not pay which i don't use of it.again after 2 year later
a call comes to my brother number asking for settle amount 33000 rs.what should i do please anybody help me.
Even iam facing the same problem, you dont worry check for your principle amount and only pay the same which is pending. Dont pay anything extra which is levied against you. Before payingthem ask them to bring the settlement letter and see that the tracer number is sepcified on that and take a valid receipt from them. your issued will be resolved.
i want to settle my credit card due in minimum amunt
Dear debtor,here in mumbai,one KARJADAR-JAMINDAR BACHAV SAMITEE is working under charitable trust for that person who are facing the problem from banks recovery officer/agents or credit society.They can help you for the bank harresment.for contact them 9869053904 / 9702778678 if your friend or relatives are troubling forword them this contact no.Thanks
Only banking ombudsman can help in all these type of cases.Write the problem to the nodal officer first stating that this is one month notice from your side to get the matter resolved.After one month if you are not satisfied, go to the RBI site,download the banking ombudsman complaint form and complete the process.Your matter will be solved within 2 months overall.
you may contact me at 9681764707
IciciBank My name is Chamarty Viswanadham, aged 45 years, working as Senior Manager in Rashtriya Ispat Nigam Limited, Visakhapatnam Steel Plant, Visakhapatnam (Mobile No.9652514308, 7382295790) residing at the above given address.
M/s ICICI Housing Finance Corporation Limited (ICICIHFCL), 101-A, 1st Floor, 10-1-43, Siripuram Fort, CBM Compound, Visakhapatnam – 530 003 sanctioned a loan of Rs.235000/- upon executing an agreement bearing file No. No.777-1319273, dated 15/03/2003 for take over of loan from M/s Housing Development Finance Corporation. M/s ICICI Bank fixed the repayment schedule of the loan in 48 equal month installments (EMIs) of Rs.5765/- starting from 07/05/2003 to 07/05/2007. M/s ICICI Bank disbursed the loan of Rs.234681/- by deducting pre-EMI interest of Rs.319/- from loan amount of Rs.235000/- by way of cheque No.612144, dated 25/03/2003 in favour of M/s HDFC, Visakhapatnam.
In connection to this loan transaction towards security, ICICIHFCL demanded me to deposit the Original Property Documents in respect of property situated at Plot No.41, Netaji Nagar, Bommuru, Rajahmundry – 533101, East Godavari District, Andhra Pradesh. Accordingly I have deposited the following documents after receiving acknowledgement from Shri DVK Madhav, Relationship Officer of ICICIHFCL on 08/09/2003.
(a) Sale Deed No.42/95, Dated 19/05/1995
(b) Link Sale Deed No.7341/83, dated 06/08/1983
(c) Encumbrance Certificate No.493/99, dated 13/04/1999
(d) Encumbrance Certificate No.3541/99, dated 15/04/1999
For initial two years, I have paid loan amount by way of post dated cheques in favour of M/s ICICIHFCL, Visakhapatnam. Later, I was asked to give posted cheques in favour of ICICI Bank Limited (ICICIBL), Visakhapatnam. I have repaid entire loan amount promptly in 48 installments as fixed in the agreement to ICICIHFCL/ICICIBL on 07/04/2007. Then I have demanded the ICICIHFCL/ICICIBL for returning of Original Property Documents. I have sent several reminders to the Bank.
I have filed a case against ICICI Bank Limited in District Consumer Forum, Visakhapatnam and also made an appeal on the verdict of District Consumer Forum in AP State Consumer Disputes Redressal Commission (APSCDRC), Hyderbad. However, ICICI Bank Limited does not bother to comply with the verdict given by APCDRC, Hyderabad. (Copy of judgments of District Forum & APSCDRC are attached herewith)
The matter was also taken up through National Housing Bank, Mumbai for returning the documents by ICICIHFCL/ICICIBL. There was no reply from NHB or ICICIHFCL/ICICIBL till date.
ICICIHFCL/ICICIBL does not furnish details as regarding where, when, how and in which circumstances the original documents are lost/misplaced. Since beginning of informing the non-tractability of documents in 2007, ICICIHFCL/ICICIBL is asking me for giving consent for obtaining certified duplicate copies of the documents. If the original documents are destroyed due to the reasons such as fire, floods, etc and cannot be traced back under any circumstances, then the question of certified duplicate copies will arise. If the ICICIHFCL/ICICIBL misplaced the original documents or delivered wrongly to a third party, the question of certified duplicate copies will not arise and the ICICIHFCL/ICICIBL is responsible for locating and delivering the documents to me. For the past four and half years, though the matter was taken up in several ways, but the ICICIHFCL/ICICIBL failed to bring out such reasons for loss/misplacement of original documents and circumstances under which original documents lost/misplaced to the my notice immediately and no supporting evidence like extracts of registers, etc was provided by ICICIHFCL/ICICIBL to me.
If the ICICIHFCL/ICICIBL really misplaced original documents in their office, the ICICIHFCL/ICICIBL could have tracked the same down by obtaining the services of independent professional investigators, like chartered accountants etc. ICICIHFCL/ICICIBL neither made any such efforts in the past three and half years nor provided any evidence to me in respect of such efforts made by the ICICIHFCL/ICICIBL.
As aforesaid, since beginning ICICIHFCL/ICICIBL is showing very much interest to obtain the certified duplicate copies of documents, but does not paying any interest for tracing the original documents. The reason might be that once the original documents are recreated, the ICICIHFCL/ICICIBL may definitely avoid its responsibility of tracing back the original documents and delivery of the same to me as well as the loss that may be caused due to me because of misuse of original documents by third parties. In such circumstances, ICICIHFCL/ICICIBL has to establish by way of report of an independent professional investigator that the all documents in their office are verified and my original documents cannot be traced.
Further the behaviour of ICICIHFCL/ICICIBL not responding to the request of the undersigned to furnish evidence of records maintained for recording the movements of original property documents, etc is giving thought that some fraud is going on.
The original property documents and its original link documents are always essential for any future transaction by me. Whenever I try to transact with the property in any manner, certainly the original documents are very much essential and everybody who wants to transact with I will definitely ask for original documents. The loss of such original documents due to careless and negligence on the part of ICICIHFCL/ICICIBL will not solve the future problems that will arise to me. The certified duplicate copies of documents obtained by the ICICIHFCL/ICICIBL cannot be as good as original documents.
Nobody will come forward to do any transaction with the property without original documents. Even if anybody comes forward for transacting with the property, he will take the undue advantage of non-availability of original documents (or certified duplicate copies) with me by paying lesser value for the property. So the loss of original documents is huge irreparable loss not only to me but also to his heirs or successors.
As you are aware that in Satyam Fraud case from news papers and other media. There may be every chance of misuse of original property documents by the ICICIHFCL/ICICIBL for creating fictitious entries in their books of accounts to show more advances, if ICICIHFCL/ICICIBL are allowed to obtain the certified duplicate copies the property documents without proper reason. In such circumstances, the undersigned may have to face a lot of troubles.
if somebody is defaulter of personal loan in one bank,can he get trouble for job in another bank?
Hi Soni
I have taken Personal for Kotak, Same those collection agencies are harrsing me saying that they go for legal action against me, if it goes for legal then u need to pay immediately or u will be jail, what is the solution for this. the outstanding is 4lacs , how much they can settle
is this thread is still active . if yes I have one question. I had icici
Dear Friends you have used credit cards, so you are getting calls I am gettins calls and threats without using any credit card what is the cure.
i have taken personel loan in icici bank before 5 years the total amount was 20,000 i paid for 5 to 6 months unfortunately i got job othere location and my number was changed and my marriage was fixed i am on leave for 2 months and ignored emi,being a new number no one called me,unfortunately i got promotion and i shifted to othere location,totally ignored to pay amount,now after 5 years i got a call from icici bank and they are saying u have to pay 60000 with interst i am shocked,kindly plz help in suggeting me....
Thanks for the useful information on credit repair on this amazing site. Some tips i would advice people is to give up the particular mentality that they may buy right now and shell out later. Being a society all of us tend to do that for many issues. This includes vacations, furniture, plus items we want. However, you need to separate your wants from the needs. While you are working to fix your credit score make some sacrifices. For example you may shop online to economize or you can go to second hand suppliers instead of high-priced department stores regarding clothing.
Hi All,
My name is Abhishek Pandey from Noida. I have taken a personal loan of Rs 30,000 in 2007. After that I went to my native due to some personal problems and I was not able to pay the amount. Now, I want to pay the amount but I am getting threatening calls to some of your recovery agent’s team of Rohini, Delhi and yesterday a team of your recovery agents visited to my house and misbehaved with my wife as I was in the office. I am continuously receiving threatening calls from your third party recovery team and they all are very un-professional. I am ready to pay the foresaid amount but once this whole scenario will stop. Otherwise, I will lodge a police complaint as I have all the call details of the threatening calls. I am not a fraud for my account and if I have taken something from the bank, I am ready to pay it but without this type of mental harassment. My wife was so much shocked with all this.
Last but not the least, please do it stop from your end otherwise we will meet in court and after that I will pay the whole amount.
Regards,
Abhishek Pandey,
9990274599.
These people will charge any amount lying in the eye. People, please don't get scared and pay any amount that is stated. Please check with them and call the concerned bank, using their customer service number and confirm what the exact amount is and then only make a check payment to the bank direct. Don't involve with these cheap DSA as soni explained before
hello hidayat,
Was your problem solved? You said a tough looking guy came to your house and asked. That is so mean!
These collection agents do whatever is possible to extract money in the wrong fashion
Hai;
my name is harshal am working in Egypt, i got one free credit card from ICICI when i was working in chennai in a PVT companay, I never used that card as i hear alot about this mess. i left chennai in 2008, since i was not using this card i broke it and through away. now after 3 year somebody call my home and my father who is aged took the call , they threten him telling they will cancel my passport and put me in jail. my father got scared and asking me the fact which i dont have a clue. How to handle this when i check with bank they told there is due amount . is there is no way to teach a lession to these people.
Hi Harshal,
We apologize for the inconvenience caused. Please email us your contact details at care@icicibank.com and we will get back to you at the earliest to assist you. Please refer '2709226' in the subject line.
Regards,
ICICI Bank Customer Service Team
Really It is unjustification with all CC holder from the top to end I go through all cc holder history.
I am the same ,On 2008 my outstading was 1,02,133.58 & today my outsatnding is 2,56,161.84 in between the card has been blocked due to non payment,so the total interest is today 1,54,008 as per bank calculation .
From 2008 till date total amount which I paid RS-1,60,850 in between they have been issued a sattlement letter for RS-1,20,000/-which I apid RS-73,000/- as above paid amount including this.
I had ask for up to date statement of account for that they r charging per statment RS-100/-+tax which I do not want to pay that much of amount.
My quiry is to MR.saini shall I go through any legal option or whatever thay had ask sattelment amount RS-98000/-which I am unable to pay pls help
Regards
samar
Dear Sirs,
With Great dissappointment and extreme frustration I write this email to you. I used to have an ICICI credit card on my name. whose payments used to be regular and also had a personal loan with your bank whose payments have not been defaulted. However, I have missed my last payment of my credit card which I still cant believe how did I, and then moved to a new house. However, the payments to me was reminded to me by Mr. Rajiv, ph. no. 7600943937. He said that my payment with interest was about 10k odd and I have to make a payment else they will be sending my default report to my company and ask for my termination. He also said that the same will be posted to the passport department which will take my passport and I might lose my identity. On top of that he threatened me by ruinig my credit history by sending the same to the Indian Embassy to avoid me going abroad. Well, I was taken aback by those threats, he was rude and very irated and I agreed to pay and asked him to send an executive to my place few days later. Which he agreed to but did not send me the executive. Later on I called up ICICI bank credit card department and they told me that I will be contacted. However this did not happen.
Few days later on 12th march 2012, one Mr Venkat ph. 7845271323 calls me up. He starts with asking me are you Mr. Mohammed Asif Qamar. I said Yes. Then he says that do you work for IBM. I said Yes. He says that I have some payment to be made. I cordially told him that I have similar call few days earlier and asked for an executive to come to my place for payment. Suddenly his tone changed and he said I will give you just one day of time and you have to pay the amount. I wondered how can a bank employee of a reputed bank like you is talking to me like this. He started addressing me Mr. Mr. Mr. not by my name. I was trying to explain him that I am ready to make this payment to make myself clean but you have to give me sometime. He was not even ready to listen to me. But biggest concern was he knew where I was working, and he was saying"Mr. You eart Rs 75000 a month and cant even pay this amount". Now tha actual threats started. He said I can send this to ensure that you dont get any loans in future for your children and will post this to your company and you may lose this job. I told fine then go ahead, I told you am paying and you dont want to listen. Becos he was so rude I disconnected the call saying if you are talking to me in this tone I am not interested in talking to you I will deal with ICICI directly. He called me again from a landline no.044-39992600, this time he said he is recording this call. Even i was ready to record and kept the phone on my speaker. While the phone on speaker, he started blaming and taunting me that You are a defautler, You are a fraud, and a cheater. You have cheated our bank and are roaming around happily by earning Rs 75000 per month. While he was saying this my wife standing besides me started weeping. What happens if someone calls a woman's husband a cheater, fraud and a defaulter for one single payment in front of may be infront of his staff. She started sobbing. I tried to calm her down but our most beligerent and proactive customer service agent who wants to get you guys the money was not ready to put down the phone. I started crying cos I did not hear these words for myself in my life. He called me multiple times on that day and every call was the repeat of what I am saying. You can have the recording of the calls. At last I knew that you guys will not give me the time and I have decided to borrow some money and pay you. I asked for a closure letter and made the payment eventually by following it up deligently for two days. The settlement was made on 14th of March but with utter hatred towards myself for forgetting to pay and most of it towards ICICI bank. While I felt that everything was over and I have no debt to you, I recieved another call on 15th March. Again this guy was equally rude and also started with the same reasoning that I work for IBM and I earn so much and when am I making the payment. I cordially told him that I have the settlement letter and asked him to check the records. He rudely asked I have my data base with me When did you make the payment tell me when are you making it?. Then upon my insistence he checked and could see that it is paid. He confirmed the payment and I was telling him that I should not be recieveing these kinds of calls from now on he banged the phone on my face.
I am sorry to make you read all these. but as prize for forgetting one payment of mine, I was belittled, insulted, ruined of my self respect, threatened, and dusted by your efficient staff. I know that banks like you need money and I understand that its my job to make the payment but it was one payment in my entire relation with you. You could have been sober with me. Eventually I would have made the payment if I would have known. You could have shown some remorse for my family I was at home. You could have shown some mercy in dealing with me, I could have paid. You have many customers but did you know how many are dissappointed like me. Have you been ever called as a cheater, Fraud for missing a payment. Imagine, how it will be. Have you experienced the pain if someone bangs the phone on you. I know customer experience is the most neglected one in Indian banking Industry. But, I will work to ensure that no one whom I know deal with you again. I will work my entire life to stop people dealing with ICICI. Be it whatever means. I shall not see anyone suffering like me. I write this email to you with tears in my eyes and heart filled with remorse of being in relation with you, while I had citibank to deal with. My mistake I accept it to ditch a bank which I was loyal to and to come to you. This email shall be sent to all the customer service centers of other banks in India MNCs, National, Local to ensure that they dont treat their customers like this. This email may be one among the thousands of emails of similar nature you might recieve and delete. I am not expecting any response. This was also not a complaint. The guys might not have acted like this with a customer if there wasnt any direction from the management. There might be an instruction from the management to the call centers to treat people like this so that they can pay you out of frustration and it is working for you. Might be this is your policy. It might be good for your financials.
However, Thanks for Insulting your once a customer.
I am going through a same trauma from HDFC but i can handle them well.I think if nothing works out anyways my credit history is spoil so will wait and give them taste of there own medicine.
Please raise your complaint to the Bank Nodal officer and To RBI Ombudsman(https://secweb.rbi.org.in/BO/compltindex.htm), with your complains .
I too facing the same kind of problem with HDFC Bank Card. I was job less from last two years hence I could not pay them any thing. My total outstanding was around 45000 Rs. Last month I got a job and unfortunatly company has opened my salary account in hdfc bank. When my first salary came in the month of april they holded my entire salary. They holded my 15000. Now every day I am getting a call from someone he is saying that I am head of recovery dept and i wnt you to pay 90000 rs today itself. When i refused to talk to them they started calling on of my cousins mother's no. I dont have an idea that how they get her no. after reading your commenet i sent email to the bank for settelment.but he is saying that ab settelment nahi hoga you have to pay 90000 Rs. Than I asked for two months time for 90000 as well that i will pay this amount but i need two months. Than he said that after two months you need to pay 130000.They are saying that we have a tracing dept we are tracing your no. and we have all of youir relatives contact no. If you will not pay this amount in one or today we will call all your relatives and let them know that you borrowed money from us. He is harrassing me from last 4 to 5 days.Please advice me what should I do. I am in very frustating situation.
sangeetjass 3 years ago
First of all i suggest you not to mention your credit card number there, as it is not at all required and it is pretty unsafe, people keep on searching for such opportunity, secondly you just dont meet them in person and visit the branch office of ICICI bank and ask them for settlement and discuss the issue with them... There is no way these people can behave like that.