Dear Sir/Madam,
I have taken Home Loan from ICICI bank in Feb with 7.5% Floating rate of interest. Since then the rate of interest has been increasing continuously and now it is 11.75%. ICICI bank is aggressive only when it comes to increasing the interest rate but does not show any thing for reducing the interest rate.
Recently I came to know that ICICI bank launched a new scheme, where in, if the Home Loan customer with loan amount below Rs.20, 00, 000/- pays Rs.3, 300/- to the bank, the bank will reduce the home loan interest to 8.25% at fixed rate for two years.
When I called to ICICI customer care to find about this option, the person told me that this offer is valid till end of this month and I can come to bank and avail this offer on Saturday, 27-Feb. I asked the customer care person specifically, whether I can come to bank on Saturday and pay the required amount to reduce the interest rate. He said, yes I can come on Saturday and pay the amount.
But, when I went to the bank on Saturday, to my surprise the bank is closed. And when I called to Customer care again they told me that Saturday is a holiday for bank and the offer was closed on Friday itself and there no way I can avail it now.
I asked them about the information given to me by the Customer care person on the previous day. They said they are sorry for the wrong information provided and will take action against the person who gave me this information. But taking action against the customer care person is not going to help me in any way as I already lost the option.
Being one of the biggest banks in India, it is very bad thing that ICICI bank can do to any customer. They are very careless and not bothered about existing customers. In the first place they never informed about this offer to customers. If there is any increase in the loan interest or EMI pending they will always be proactive in followingup with the customers. But they are not bothered to inform the customers if there are any options like this.
Request you to look into this and take some action, so that other customers will not suffer in future.
Thanks & Regards,
Sirisha
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