I have taken a personal loan from ICICI Bank in 2007. Initially i was regular in paying my EMI's, after some time i lost my job and i missed some emis. In oct i got a call from one of the manager and he told that he will foreclose the loan with 60000. Then i agreed and i asked my friend to give my money to close the loan, my friend has given me cheque. Now the bank people has deducted 40000 before realising the cheque and when i asked them they told that they have recoverd for the loan. But i told that i was already in discussion with other manager to foreclose the account. They were not in a position to hear me or to help me. I was roaming around the bank for 2 months. That money was added to the principal amount and now i am still left witht he debt of 80000.
I would have closed the acount decently if they have cooperated with me, . but they were very rude.
I still dont understand how can they blcok the amount even befoer realising the cheque.
Now can you pleae suggest me what to do
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