I am holder of ICICI credit card from till May Job Problem and in November my mother's hospitalization for cancer operation cost us more and meanwhile my one installments were not paid by me on time, since then bank charged unrealistic interest, late fee and debit Rs.1300 to 1500 per month to my credit card outstanding. Even on 28/12 I paid Rs.1= to may account. In march My balance was Rs.6589/= but next month it suddenly shoot up to 9101/=. In this persio I took loan from the bank with EMI of Rs.2500/= for six month and even this I paid regularly.
And now in June statement, My balance stood up 23954/= and Bank have deducted Rs.2975/= from my savings bank account without intimation. Whatever amount I took from the bank I paid with hefty interest. Total amount utilized by me Rs.45902 till 20.01.07 and payment were made by me Rs.49066/=
During this period, Bank recovery person me Sharma and his colleagues called me and compromise on settlement of Rs.3750/=, I kept trust on them and paid Rs.3750/= with repeatedly asking for Final Settlement Letter. But payment cleared by them No letter given to me. On this I realized that Bank cheated me. Whenever their executive called me for payment recovery, I refuse to pay as why should I pay this unrealistic amount.
Now Bank had auto debited the credit amount from my saving account and it showing Debit Balance of Rs.20900/=.
Now please someone guide me what to do to save my financial life, as I am handicapped person and my parents are dependent on me. I will not fight this recovery people with there rude and abusive and even push and talk.
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