I have home loan from ICICI ambala city branch. I am paying EMI regularly at time since issuance of home loan. In august I was unable to pay instalment in time. this was first time failure to pay EMI. For ythis both ICICI Home loan section put some fine and icici bank also deducted some some money from my S.B. Account due to insufficient fund in my account. Up to this, it was ok.
But ICICI home loan section send demand to icici bank second time without my permession and deducted all money from my account. which cause Zero balance. This make great inconveniance to me.
Bank also make some phone calls on sunday to deposit amount and they will send recovery agent to my residence for collection of EMI. This spoiled my sunday and gave a set back that this is behaviour of bank twards its customer, who is regularly paying EMI in time, with onlyone failure.
this all happens inspite of my regular payment of EMI and one time failure to deposit EMI.
I think ICICI has no right to deduct amount from my account without my conscent. He can take legal action against me, can charge interest due to my failure, but it should not plan to send recovery agent to my residence and deduct money from my account without my permission.
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