I have availed 3 credit cards from ICICI bank and was using it for the past 4 years with prompt payments. Last October i had paid the amount on time but the bank calculates the due after adding the intrest and then deducting the payment done which resulted in a over limit. I had a lot of discussions with the customer care who were not helpful. I decided to close the card and asked for a closure with the person who had come to collect the dues. He told me that he would give the latter in 2 days provided i make minimum payment. I did that and they never turned up. This happened with 3 agents from ICICI bank who cheated me.
The limit on this card was 10, 000. I fought for the settlement when the amount was about 9400 or 9500 odd.
When i stopped making payments they were adding all sorts of intrest etc etc.
I stopped making payments on one of the card out of 3 which i was trying for a settlement. The payments were made monthly from my salary account which is a ICICI account.
One fine day, when i deposited 10, 000 to my account which is shared with my aged parents for medical treatment and also for my livelihood and to make payments on 2 other cards. The money was illegally taken away by the credit card division of ICICI bank. I wrote to them about my problem and insisted to release funds for the medical treatment of my parents but they did not agree. They told me that they will take any money that comes to this account. Then I asked them how can i make payments to other cards, they told me that it was my problem and locked that account.
Now because of their illegal transaction of using my savings account, which has stopped me from giving medical treatment to my aged parents and also has deprived me of my livelihood. They are making sure that i do not pay their other cards so that they can charge interest on those cards as well.
I do not know what to do next.
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