Greetings,
I Mr. Mihir Gunderia is holding a credit card (4477473634733005) of ICICI bank from past 8 years. I have been making regular payments on this card. Last year 2008 March, during one of the billing cycle I found false interest charges been levied against my card for which I launched a complain to bank on the call center number. The CC department assured me the reversal of those charges which never happen.
Subsequently, ICICI reduced my credit card limit and started charging over limit charges. I was shocked to see such kind of open fraud on my account. From the next billing cycle, ICICI started charging exorbitant interest on same which I denied to pay and was making regular payments of only the purchases that I made on this card.
I parallel, I complained the bank about the charges and they always assured me to reverse the same once I make the payment of the current billing. Inspite of making payments, Credit card department never reversed the charges as they were receiving their regular payments. This went for almost 4 to 6 billing cycle after which I was forced to stop making payments on my card.
I started receiving a threaten calls from number of persons including a guy call Vijay who claims to be an employee ICICI Bank CC department and belongs to JB Nagar Branch, Andheri East, Mumbai branch. As per him, if do not make the payments, bank will send so called recovery agents to my place, and break my head and also beat my family members. He and his fellows have been calling my Mother and other family members at odd times (after 8.00 PM) and threaten them to fail the breaks of my car or kill me in an road accident.
Not only this, some people from the same branch have been coming to my home and banging doors / ringing door bells and then getting disappeared by the time someone opens the door. Over the phone, they have been using abusing language to my mother and wife for which I have all the supported telephone recordings.
Every time, I tried to approach the bank to resolve the issue, I have to repeat the entire problem to as many as 18 to 20 different people as they have no synch between them. Every person who comes online claim that he is authorize to resolve the issue and then it goes in a cold freeze.
Because of the above incident, almost 5 months have been wasted and I have lost my valuable time, trust and self-respect
On 3rd April 09, it came as a surprise to me that the bank have put an lean on my Corporate Salary savings accounts as per the instruction of credit card department. I was never been informed or intimated for such act. I have not signed any authority letter which gives the bank or credit card department right to freez my account and force me to make the payments of my card without resolving the issue.
As per my information, this is against the Consumer Protection act. I request you to help me in removing the lean from the account. My financial commitments related to EMI’s of vehicle, education and housing loan gets deducted from the same account. Not only this, I being the bread winner of the family and this being the only supporting account, I am left with no other option but to approach you for help.
Looking for cooperation and removal of lean ASAP
Mihir Gunderia
91-9820500903
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