ICICI Bank
Terrible experience

I am having serious problems with ICICI bank regarding my loan repayment. i opted for ECS since 2 years and only recently noticed that the ECS is being debited from my account even before the due date. For instance my due date is the 7th of every month and the amount has been debited by the 5th of the month. When i checked with ICICI, i was informed that it's not their problem at all and as per their records it comes in only on the 7th. i have taken copies of my passbook entries and have sent it across to ICICI with their own representative. Inspite of numerous letters being sent to them with copies to the banking ombudsman, i repeatedly get the warning calls and notes from ICICI to pay the amount as well as the cheque return charges and the service fees etc.

The battle with them is going on from May when i noticed this discrepancy. Inspite of running from pillar to post with both banks, this matter is not not resolved. I would like to know if anyone else has faced such a similar situation and what is the solution. Can i take legal action against ICICI. Please advise smb.

Company: ICICI Bank
Country: India

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