If your prompt in your EMI payments, none can do this.. in case when your are unable to repay due to various reasons, you can always tell them by writing thatdue to so and so reasons i am unable to repay. ICICI is good organisation, you can see they have started DISHA which is helping people like you. You can contact on 040-40038837 and tell your problems, i saw many people got releived of their debt problems. Never Blame the banks.. it is you who have borrowed, you should promptly pay it.. Never crib for things because you have felt short in meeting your promises in repaying..
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