1. I am having a Credit Card, bearing no. 5176 5336 0349 5000 with ICICI Bank, since year 2006. At the time of issuing credit card, the concerned officer has stated me that if I uses the said credit card, then the bank will not charge any interest on any count under any head, on the other hand the bank will apply service charges, as the same was a promotion offer. That relying upon the representation of the concern officer, I got the said credit card, however, from the first day, the bank has applied service charges and also applied interest that too in exorbitant rate. That I am in service with Info Edge India Ltd. Previously I as at Mumbai Office, and at present I have been transferred to the Dubai (U.A.E.) Office, as such, I could not able to visit personally and meet with the concern officer.
2. That I am having a Saving Bank A/c. bearing No. 001101519080, with Icici Bank and my monthly salary used to credit in the said a/c. and as the said Credit Card is linked with my Salary A/c., the amount withdrawal by me through credit card, automatically got deducted from my salary saving bank a/c.
3. That, I like to invite your attention on the point that the Bank officers had never given any criteria about the applicable rate of interest, inspite of several request made by me from time to time. Apart from this, there has been certain fraud, mischiefs and mistakes played by the bank officers in issuing bills to me. The said fact can be gathered from the several e-mails, reply e-mail by the officer's of the bank categorically, telephonic conversation recording, etc., which is with me. That as per the statement for Nov. the amount of Rs. 55, 098.63 was due and payable by me wherein there was a mistake that the bank have illegally or either by mistake or mischief, get incorrect charge of Rs. 900/-. That the Bank had not prescribed that what rate of interest Bank had charged on the balance amount as well as What is the criteria of charging service taxes and other hidden charges. Furthermore it was duty of the bank to specify the schedule of late payment fee charges. That in the reply email's it was admitted by the officer of the bank, that some of the credit card bills were not forwarded and in one of the bill there was mistake of Rs. 900/-, which got accumulated to Rs. 12, 000/- till Nov. 2009.
4. So admittedly, there was a default as well as deficiency in services on a part of the bank, without there been my mistake. I have suffered and suffering a lot for the deficiency in services made by the officer of the bank.
5. That from the e-mail's, some of the bills of the credit card, which the bank has issued, it can be clearly gathered that as on 18.11. the amount of Rs. 55, 084.33 was due and since then admittedly not a single transaction has been done by me through the said credit card till this date. As my saving bank a/c. is linked with the said credit card, the concerned credit card officers has withdrawal the following amounts -
Date Amount Deducted
12.03.08 14, 400.00
10.04.08 56.00
13.05.08 56.00
08.07.08 7, 760.00
06.08.08 56.00
06.09.08 56.00
10.10.08 56.00
06.11.08 56.00
17.01.09 22, 168.00
07.05.09 55.00
17.07.09 12, 237.22
03.08.09 5, 370.00
19.03.10 2, 540.25
20.04.10 12, 354.25
Total Amount 77, 220.72
It is clearly gathered that as on Nov. 07, the amount of Rs. 55, 098.63 was balance and against this Bank have withdrawn Rs. 62, 346.22 as on 3.8.2009 and Rs.77, 220.72 as on 20.4.2010 as per above statement. So now what’s remaining? That the officers of bankers are threatening and misusing, as the said credit card is linked with my salary a/c. That I am in great apprehension that the bankers may withdraw the amount more than the balance amount by contending otherwise on any head on any count whatsoever which is admittedly not permissible under law or under any fact and is offence punishable under the Indian Penal Code. That as per email dated 25 Sept issued by one of the officer, the Bank was ready to settle the matter at Rs.30, 000/- if I remit the amount till 16 Oct, thereafter said offer was revised to Rs.53, 200/-, sometime Rs.56, 000/- and Rs.45, 500/-. so on.
6. I was ready to settle the matter and persuading since last more then two years, either by telephonic talk for hours together from Dubai to India or correspondence through email either by me or by my wife, but previously the officer of the Bank has not given any response and thereafter due to adamant behavior of the officers the said matter has not been settled till now.
7. That after going through the above facts and circumstances, it is the perfect case wherein the Bank has provided deficiency in services either on one or other ground and cheated to me by charging additional amount under the different head, in order to cause wrongful loss to me and wrongful gain to the said bank, so also the said Bank has committed breach of trust. However to avoid further unnecessary litigation, without prejudice to my rights and remedies I was still ready to settle the matter at Rs.10, 000/- till 25.10. which would be deposited to the Bank forthwith upon confirmation from the Bank, however after issuing notice through my Advocate on 25.10.2009 the bankers had not given any response, on the other side had not deducted any amount for 3 months, but surprisely deducted an amount of Rs.2, 540.25 in March and Rs.12, 354.25 deducted in the month of April.
8. In view of the above facts I humbly request you to take my grievances to resolve and suggest me what should I do. In my opinion the Banking license of The ICICI bank is immediately cancelled, in order to avoid a fraud, which is goes on playing by this bank officers by taking undue advantage of people like me.
Kashyap Kabra
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