I used to hold an ICICI credit card since late 2007. I found the charges way too high because of which I stopped using the same since August. In december I decided to settle the card as ICICI card dept was adding on late payment and finance charges into my card at an aggresive rate (had become 18000 or so for a minimal amount i had used) for a card i was not intending to use. But before i could contact the bank and do the paper work for closure they sealed my ICICI savings account, which was also my salary account without informing me, which put me into a very difficult state, I do not know id the Card Dept has such rights to seal my salary account without informing me.
Further I contacted the bank and asked for an immideate settlement as I had no further interest in pursuing with the card. They withdrew all the cash I had in my account, close to 113000 from my account for settlement. Neither did they communicate anything to me further to that noe provide any settlement documents. And in another mont's time i started getting more montly statements, and i tried contacting them regarding this. Later i started recieving calls from the collection team stating that I still owe another 2500 towards the bank as my settlement was not complete, the justification or calculation for which I still havent recieved so far. Yet i assured i will do so as i had no intention of using the card anymore. The day after I paid the balance 2500 from ym savings account towards the ICICI Credit card, they put another seal on my account stating that i have defaulted again and withdrew 3000 odd in cash and states that I still owe another 6000 plus to ICICI.
Please note that I have already paid 15000 to ICICI card for a minimal usage I had done, and have been subjected to repeated harrasment and humiliation duirng extremely tense official hours for over months now. Besides that please note that I havent used the above said card since august almost a year now.
I spend almost 500 rs pf mine while on roaming last week trying to make the ICICI dept understand the situation, and when he wasnt listening I told him that the only option left with me is to break all ties with ICICI and even stop using my salary account and file a case against them in consumer court, but as I am just an ordinary citizen with no moral or legal power compared to a company like ICICI, they ridiculed me over the phone.
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