IN 2008 ICICI BANK CONTINOUSLY GAVE OFFERS ON MOBILE PHONE THAT I AM HAVING GOOD TRACK
RECORD IN ICICI BANK SO THEY ARE OFFERING LOAN TO FEW CUSTOMERS ALL OVER INDIA AND I AM ONE
OF THEM. AFTER CONTINUOUSLY REFUSING TELLING THEM I DO NOT HAVE ANY REQUIREMENT FOR 8 TO 9
TIME THEY TOLD ME YOU CAN TAKE THE LOAN AND INVEST ANYWHERE YOU WANT, AND THERE WILL BE NO
ADDITIONAL CHARGES AS SUCH EXCEPT EMI AND CONFIRMED EVEN IF SOME INSTALLMENT IS MISSED YOU
CAN PAY TWO EMI AND NO OTHER CHARGES THEN ON 10 TH TIME I ACCEPTED THEIR OFFER AS PERSONAL
LOAN FOR RS.25- AND INVESTED IN SHARE MARKET WHICH UNFORTUNATELY WENT DOWN
AFTER TWO MONTHS I CAME TO KNOW THAT THEY HAD CONVERTED THE LOAN INTO AN CREDIT CARD AND
ALL THE CHARGES OF CREDIT CARD THEY ARE GOING TO CHARGE ON THE LOAN ACCOUNT I MISSED ONE OF
MY INSTALLMENT AND THEY STARTED CHARGING LIKE A CREDIT CARD ADDITIONAL SERVICE TAX,
ADDITIONAL INTEREST CHARGES AND ADDITIONAL LATE FEES WHICH WAS EQUIVALENT TO 25-30 % OF THE
INSTALLMENT, WHILE GIVING THE LOAN ON PHONE THEY HAD TOLD ME NO ADDITIONAL CHARGES WOULD BE
THERE IN ADDITION TO THE INSTALLMENT EVEN IF I MISS ONE INSTALLMENT NEXT MONTH I HAVE TO
PAY TWO INSTALLMENT THIS WAS CLEARED BY ME OVER PHONE BEFORE ACCEPTING THE OFFER.
AFTER SEEING THIS CHARGES ISSUE I CALLED UP THE LOCAL BANK BUT THEY TOLD ME YOU WILL HAVE
TO PAY THE ENTIRE CHARGES WHATSO EVER ARE CHARGED, AND IF I WANT TO SETTLE DOWN I NEED TO
WAIT FOR 4-5 INSTALLMENT TO BOUNCE AND THEN WHEN THE CASE GOES IN THE 4 TH OF 5 TH BASKET
THEN SETTLEMENT CAN OCCUR THAT TOO IF I PAY THE ENTIRE AMOUNT IN ONE SHOT IF I WOULD HAVE
BEEN HAVING SO MUCH MONEY WITH ME WHY I WOULD HAVE GONE FOR THE LOAN AMOUNT...
NOW THE LOCAL RECOVERY AGENTS (0731 4011665, 4011654 RAJESH PARIHAR AND TEAM) ARE COMING TO
MY RESIDENCE AND USING ABUSIVE LANGUAGE ON PHONE AND THREATNING CALLS ARE MADE FROM THEIR
LOCAL AGENTS.
I HAD VISITED AGAIN THE BANK THEY SAY THAT THE AGENTS WILL CONTINUE WITH WHAT THEY ARE
DOING UNTILL I PAY THE WHOLE AMOUNT.
I WANT TO PAY THE INSTALLEMENT PART APART FROM THE INTEREST CHARGES AND LATE PAYMENT FEES
AND ADDITIONAL SERVICE TAX WHICH WAS AGREED DURING ACCEPTANCE OF LOAN. OR WANT TO SETTLE
DOWN THE ENTIRE AMOUNT WITHOUT THE SAID CHARGES IN FOUR INSTALLMENTS WITH A GAP OF TWO
MONTHS EACH SO THAT I CAN ARRANGE FOR THE MONEY.
KINDLY GUIDE IN THE MATTER.
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