Under extremely unfortunate circumstances, for no fault of mine, one of my Home Loan Cheque has bounced and this triggered off another set of my hardship and ordeal with this useless bank called ICICI.
First of all I received a call (three months back) stating the fact of bouncing the cheque to me. I asked them to represent the cheque to which they replied that as per their new policy (???) they cannot do this. I asked them to give me back the cheque so that I can issue a fresh cheque to them. They said this will be done only after my complete Home Loan is settled.
Very Well, then I need to issue a stop payment request to my Bank and I told them that I will issue them a fresh cheque. I took all the details and dutifully filled in the cheque and kept it ready. This cheque is now ready with me since 3rd January.
The ordeal started. An appointment for picking up the cheque was scheduled. Dutifully, so very characteristic of ICICI, nobody turned up. Ok I waited.
From then on I started receiving calls at weird hours and every 4th day as to why I am not making the payment. I am since then trying to reason out with them that your person is not turning up to pick up the cheque so what can I do.
After 2-3 weeks and giving at least 20 calls to me and still dutifully not sending anybody to pickup the cheque, they started to misbehave with me and started threatning to malign my credit history.
Fed up of all the non-sense, last week I asked them about an address where I could courier the cheque. The address given to me was as follows
ICICI Bank,
Collection Branch,
Near MG Road,
Bangalore
Now people who are not aware of Bangalore topography must understand that MG Road is an 8 KM stretch in the heart of the city and nobody in the world can deliver a courier on address like this. This I also tried to reason out with them but these dumbos will just not understand.
However they fixed up another appointment for picking up the cheque today and I was waiting for the collection guy to come. I wanted to do a Pooja and Offer some Prasad to him since like Lord Ganesh, I was waiting for his Darshan for long.
The most Funny part starts now - I received a call from this collection guy today. At last some action from a dumbo bank I thought. This guy tells me that he has to come for collecting the cheque but he is now in Shimla and he asked me to post the Cheque tto Shimla,
"But where? At what address? " I asked
"Address to nahin hain, Aap kahan se bol rahen hai" asks Lord Ganesha
"Aap Kahan hain", I asked
"Main to Shimla main hoon", Lord Ganesha tells me
"Shimla Matlab Himachal Pradesh Main", I queried
"Han Han Himachal Pradesh main", Lord Ganesha replies
"Mausam Kaisa Hain", I asked
"Bahut Acha", Lord Ganesh is very Happy now
"Aap kab Bangalore Aa Rahe Hain", I asked
"Bangalore??? ", Lord Ganesha was Surprised
"Haan Bangalore se hi to Cheque collect karna hain", I explained
"Oh Tere Ki!!! Aap Bangalore main hain" Lord Ganesha was surprised
"Haan Ji, Aapko Nahin Pata Kya", I asked
"Sorry Ji, Main Apne Bangalore Ke Aadmi Ko kahunga aapse cheque collect karne ke liye", Lord Ganesha is in a corner now
"Bangalore Main Kaun hain, Mujhe number dijiye", I asked
"Nahin, Hamari Madam hain, Kal aapse collection ho jayegi", Lord Ganesha replies
What I have done to go thru this ordeal, can somebody help me out. I am really fed up of this bank and appeal to everybody, Please do not listen to Shahrukh Khan and Amitabh Bachan, they are paid up for what they say.
Use your judgement, do not bank with ICICI
0 comments