I had a car loan from ICICI bank, my account number was LAMUM00002633364,
Let me explain the story from Nov
1. The loan amount was 441, 000 started on Nov
2. I paid religiously till Jan then i lost my job & so i had send a letter to ICICI BANK dated 16th Jan asking them to dispose the CAR & recover the balance amount which was 335, 342 Rs as on 16th Jan. Despite several calls to call center for immediate action, i received very cold response.
3. I personally took the car & handed over to your recovery department in Andheri, on 4th Feb I interacted with Mr. Irfan Ansari, he told me that current rate i can get around 350, 000 to 375, 000 after sale. So i told him to immediately dispose off.
4. I get a letter from ICICI bank on 8th March, saying that my outstanding value is 365, 949 Rs & the car has been sold at 348, 000 Rs so i should pay balance 17, 949 Rs. Where as if you see the loan amortization schedule on Dec my outstanding was 342, 064 Rs. I am attaching the copy of the same. As per this actually ICICI should have paid me 5, 936 Rs after adjusting the amount.
5. I had send a letter on Sept 1st mentioning the above status & asking for a closure certificate, but i didnt get any response, so i thought now the case is settled, i also didnt bother to get my due amount.
6. After 4 years i get a court summons to attend the hearing, which i didnt receive as my door was locked.
7. Then i get a court notice with non bailable warrant to attend the hearing,
Is this the way you treat a genuine consumer, who had all the intentions to pay off your dues.
I want immediate action on this issue, as i have never ever defaulted in any of my dealings.
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