Dear Sir/Madam,
I humbly request you to help me in getting justice.
My name: SADANANDA H.R
My ICICI BANK LOAN ACCOUNT NO: LPBNG00008824429
I had taken a personal loan of Rs.100000/- (One Lakh Only) from ICICI bank. Due to recession there was a huge fall in my business & i could not continue paying my emi's, here is when i got an offer from ICICI bank team to settele my loan at Rs.60000/- & they issued a settlement letter for the same Ref-(T32/PL/BLR/173743-156).
In which it says that i have to pay it in two installments ie.
1st installment Rs 25000/- on 30/06/09
2nd installment Rs 35000/- on 30/07/09.
I tried to arrange money but failed to do so & i decided to pledge the little left over gold that i had & arranged Rs 25000/- on 30/06/09.
But days were getting worse in my business & i totally failed to pay the balance money before my due date given to me. But during the course i kept my self close to the bank employee by name Mr. Raam & i was updating my status. Finally the due date crossed & they kept silent. Further i followed it up frequently & took further extension period for the balance due from the concerned employee verbally.
Then after almost one year i got a call 0n 27 August from a collection manager from ICICI bank stating that my PL has to be closed immediately & told me to pay the balance amount ie Rs 35000/-. i accepted for it & he gave me an option to pay in two splits. When i asked him about the closure letter he said that for settlement we do not get closure letter but we get NOC & to get NOC the due amount needs to be paid first & he promised me that the same old settlement letter stands good for the same.
But i clearly told him that there is a clause stating that if i do not make full payment before 30/07, the the settlement letter given to me will not be valid. but he said that not to worry since i will be having the payment paid receipts which will sum up to Rs.60000/- (My settlement amount) i will have full rights to get my NOC by showing the receipts.(Receipts Nos-1) 8593155-Rs.25000/-, 2) 1008249774-Rs.25000/-, 3) 1009212120-Rs.10000/-)
But now when i get back to them for my NOC they are saying that what ever i have paid is gone for my loan repayment & not for settlement. I am already in deep financial crunch & ICICI is further expecting more money from me to close this loan.
I humbly request if anybody could take action on this issue & help me to get my loan closed. Because of this my name has gone to CIBIL and my life is in real mess.
Please help me.
Thank & Regards
Sadananda H.R
email id: [email protected]
91-9880700889
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