Dear Sir/Madam,
This is with reference to my home loan account number 9190407 which was started on 17th May’05.
I was continuously paying the EMIs, Initially 1-5 through cheques rest through the ECS from my ICICI Bank account and everything was going fine till September.
On 26th Spetember 2007 i decided to resturn some loan amount of 4lac as the EMI was coming up very high with 14% rate if interest. Bank accepted my 4 lac payment and confirmed me the EMI will be reduced from after 2 months and Bank will pay the interest for 4 lacs... Which never happened and i am still paying same EMI ..Even though they reduced the 4 lacs amt from the principle amount.
Above one was the secandary issue but the PRIMARY one is the bank came back to me saying that i had missed a EMI in September... which is not at all possible... I had paid my EMI's on time
Bank is coming up with something after 3 years... when i asked them to confirm the cheque or why it was not paid ..they said cheque was returned by ICICI... When i asked ICICI they told cheque is never Used.
Bank issued me 10 different home loan statements for same account and all of them are different and most of them are showing EMI is paid on Sept... Now bank is not replying to my emails ..they started appying late fee to all my EMI's
I am not in the country and i am frustrated and looking for some help... Bank's calculations system is not correct and its not transparent... I know they have done some mistakes...
Bank did not reduced my EMI after they accepted the 4 lacs payment
Bank is still applying late fee for the EMI which there bank statements says was paid ..
Please help me ..if you want i can email you the bank statements send to me
I can give you the email id's of all the ppl i have tried to work on it
[email protected];
[email protected];
[email protected];
[email protected];
[email protected];
[email protected];
[email protected]; [email protected]
No one is really helpful and i don't want to pay something is not correct... these are the banks stories to adjust the account issues
I am expecting an action
Regards
Sham Sharma
Contact Number: 1-224-425-9000
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