ICICI Bank
Harassment
- 08-07-2010
- 290
For my home loan from ICICI bank, I gave ECS mandate duly signed to ICICI bank representative in the month of March since post dated cheques were getting ehausted in the month of June. I was told that from July onwards, the ECS transfer from my salary account with SBI will be activated and EMI will be paid through ECS transfer. I made very many phone calls and emails to ICICI to know the ststus. Every time the answer was standard " It is under processing".
Finalyy, come July no more PDCs and I called up the bank again to be told the same reply " It is under processing". As I do not want to be defaulter, I went to the nearest ICICI bank which is 55 KM away from my home. I presented a cheque out of my ICICI bank account with the EMI amount. The 'lady" refused to accept saying that she cant accept cheque, but only cash. FOR A HOME LOAN WITH ICICI BANK, WHEN YOU PRESENT A CHEQUE OUT OF YOUR ICICI BANK ACCOUNT, THE BANK REFUSES TO ACCEPT THE CHEQUE.
Finally, I transferred the amount directly online into my loan account. There ends the July story.
Fed up with the no response and no responsibility of ICICI bank, I visited ICICI home loan branch on 17.7.10, signed the form for direct debit out of my ICICI bank account. The gentleman promised me that from the month of August, EMI will be directly debited from my SB account. I felt happy.
But 2 weeks later I called them up and asked the status. pat came the reply "" It is under processing". I felt jitter. I kept sending emails continuously through bank site. Finally on Aug 1, I got the reply that direct debit is enabled. In the future, EMI will be directly debited. I felt happy again.
But from Aug 3 onwards, I am getting phone calls that I have not paid EMI. Even today on August 7, I got a call that EMI is not paid, I am a defaulter.
Please note that I am supposed to be a wealth manged client.
Does any body have an answer to my situation? Please help and advise me on the next course of action.
Dr. Mathew
Company: ICICI Bank
Country: India
State: Tamil Nadu
City: Kanchipuram