We have foreclose our Personal Loan of ICICI Bank Ltd in which we have been very punctual for all our instalments and have never missed a single one. On 26th March I have given the chequeof balance outstanding with 5.52% interest of early forecloser on outstanding amount. Cheque give by me was also from my ICICI Bank Account. I was given payment receipt for the same as well as one letter with complete details for foreclosure which was clearly stating that if the foreclosure settlement is done on or after 18th of any month one should give instruction for stop payment of next month instalment.
As my account was normally getting auto debit when I contacted bank by Phone Bank and Email I was surprised to get reply from Ms. Dipti Patel, Mr. Pankaj and Ashwini Sawant saying that though my saving account was debited with entire amount they do not consider loan amount as paid and on the due date my saving account will be deducted again for instalment which will be refunded after 20 days that to without interest.
I am surprise as my Saving Bank Account was debited with the said cheque on 27th March 08 how my loan can stand as pending and once loan is over automatically any agreement of auto debit instruction becomes void and Loan Department cannot touch our bank account. But I received email from ICICI Bank Ltd as well as phone calls from above mentioned Gentlemans / Madams saying they can do anything what they want.
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