I had taken home loan from ICICI Home Finance during 2004 at 7% interest for buying a property in Kolkata. Interest started going up. Initially the bank used to send the intimation relating to increase in interest rate. All on a sudden the interest went up from 10% to 12% without any prior intimation. I came to know only through the annual statement.
Recently, the bank collected the cheques towards EMI since first 36 cheques were exhausted. The cheques were collected by the agent of the bank at existing rate. Within next 3/4 days, I got call from the DSA of the bank the EMI has increased by Rs 200 .
Quite logically, I asked for the official intimation regarding the increase in EMI - till date nothing has come. To my utter surprise bank's DSA is harrassing me every now & then for new cheques. While I advised him today to bring the intimation along with recently issued cheques for necessary correction - I was told that it was "my responsibility to come to bank and do the needful".
I was taken aback the way the representative of the DSA behaved over telephone. Was not it bank's responsibility to intimate me the increase in EMI? Could not the bank send their person for correction of the cheques when they could collect the cheques personally?
I am astonished the way the arrogant representatives if the DSAs are handling the customers.- ICICI Bank is totally aloof from the scene in spite of my telephonic complaint about the attitude of the DSA's representatives.
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