Consumer Redressal Forum

 Dear Sir,

I would like to inform you that I have been harrassed by SBI credit card representatives for recovery of unpaid amount.

One of the SBI executive had approched our office colleague & inform him give SBI credit card with nil processing fees, nil annual charges and many offers like free insurance etc. I along with many of my office colleagues had opted for SBI credit card. The SBI executive had taken our signature on the form & informed us that he will fill the same.

After receipt our firt SBI credit card statement they had charged us for insurance premium. on calling the SBI customer service representative on their toll free number they had agreed to cancel the same which was done for many of my colleagues except me. From then onwards I have been charged the same along with interest on it.

I would like to mention here that SBI had issued me credit with wrong surname which I never swiped in any merchant establishment etc for this reason.

Time and again whenever they call I had informed them and also wrote to them number of times about this problem but they didn't bother to rectify the same nor replied to any of my mails.

As this problem is going for almost 4 years am very much tensed. This has reflected on my physical & mental health.

I would therefore request you to kindly intervene in this matter and solve my problem.

Thanking you in anticipation,

With kind regards,

Vikas S. Borkar
Panjim - Goa

 From: Pritpal Singh Sekhon
Phone: 9216509590
Message:

On 20th Sept. 2009, while checking my online Salary account with ICICI Bank, I found that my Salary account has been blocked & due to this reason I could not withdraw any amount from my account. Then I immediately went to nearest branch of ICICI Bank in ICICI Bank for finding out the reason for such action.

Upon enquiring, it was informed to me that this blocking was done due to outstanding amount against Credit Card purchase done for Rs. 179166/-. They refused to part with any other information & advised me to visit Credit Card Division at Jaipur for finding out details of such transactions.

In ICICI Bank Credit Card Division, Jaipur, I was informed me that a Credit Card No. 4076590513891003 was delivered to me in Aug. 2006 at Malviya Nagar Address & delivery of the same was taken by Ankit, who had identified himself as my Son. On my further enquiry that Credit Card delivery is made only after taking the Identity proof of the person who is taking the delivery, ICICI bank refused to share any of the details with me like identity of person who had taken the delivery i.e. Copy of his Identity Document which shows his name along with Father’s name also.
Once this anomaly was brought to the notice of the bank thru email i.e. customer.care@ICICIbank.com , on 12th Oct. 2009, I received a apology mail from Mr. Sanjay Bhave, Office of Head Customer Service, ICICI Bank Ltd., that the lien marked on my Bank account have been removed & he apologized for the inconvenience caused.
At that time I thought that the matter is closed & brought to its logical conclusion.

But I was surprised to receive a letter again from ICICI Bank on 10th Feb. 2010, that as per their

Dear Sir,

I, the undersigned availed a loan of Rs.1, 20,000.00 against my Opel Astra Car (AP 28 AD 8485) from Shriram city union Finance LTD, Hyderabad vide Loan agreement No.ISNRFWVAN00129/07 DATED 12.07.2007. The monthly Installment amount is Rs.5033/- and repayment period is of 36 months starting from August 2007. I gave them 35 cheques (excluding Adv. EMI of Rs. 5033/-) of Punjab National Bank, Sainikpuri Branch. The said Punjab National Bank Branch is newly opened branch and doesn’t have Internet Banking facility etc and I need it for transfer of funds in the account. So I decided to close the account and in the month of September 2007, I requested Shriram city officials to replace the existing postdated cheques with newer ones. But they advised me that, the cheques need not be changed and their officials will collect the monthly EMI regularly by Cash and all the cheques will be returned after receiving the full and final payment.

Accordingly I use to pay the monthly EMI to their field officer Mr. Nagraj against a receipt. In the month of August,2010 I have received a call from Shriram city union, Vanasthalipuram Branch stating that there is an outstanding of Rs.34, 397.00 in the captioned loan account. I was astonished and Immediately I took the statement of account and found a lot of discrepancies in the statement as under:-

1. As per their statement they have received a total amount of Rs.1, 70,824.00 whereas I have paid Rs. 1,94,990.00 (see attached excel statement).
2. As per their statement they have levied cheque bounce charges of Rs.8500.00. In the month of September,2007 I requested them to replace my existing cheques with a fresh Bank cheques. At that time they only suggested me and collected the EMI by cash. If the Cheque bounce charges were levied every month, they would have collected the same every month. They never mentioned any cheque bounce charges in any of their receipts. In all the receipts they have quoted the amount as ‘INSTALMENT ARREARS’.
3. Their statement also showing an overdue charges of Rs. 12,633.00. I have paid all the EMIs regularly and completed the repayment well in advance. (I have paid the last installment on 31.05.2010).

Many of the credits are not appearing in the statement and the same may be reason of charging overdue charges. As per agreement I have to pay an amount of Rs. 181,188.00 ( Rs.5033 x 36 mts): whereas I have paid an amount of Rs. 194,990.00(excel sheet enclosed)

Presently Iam not in a position to Pay Rs.34,397.00 and hence I sent a mail to Shriramcity union Ltd, Chennai (shriramcity@shriramcity.in). But so far I didn’t received any proper response from them. Therefore I request you to kindly assist me in this regard and arrange for a justice.

Thanking you and anticipating an early response from your end.

Yours sincerely,

From: kailash natani

Message:
From :

Kailash Natani
804, Krishna , Vasant Sagar,
Thakur Village , Kandivli (East),
Mumbai 400 101

Dated 06th August 2010

To,

The Customer Service Manager
Credit Card Division,
HSBC
Mumbai 400 001

Ref.: Credit card No. 5177 9799 9970 1965

Sub.: Cancellation of undue debit balance against the card.

Dear Madam/ Sir,

With reference to the above cited subject and further to my email dated 26th April 2010 I would like to inform that I have already informed the bank to close the above referred card in December 2010. At the time of closing the card there was no any balance due against the said card.

In reply to my email your customer service executive had confirmed from your own records that the card was closed on 23rd December 2008 . Copy of the email reply is enclosed herewith for your ready.

In view of the above the balance shown against the card is not correct. Accordingly I request you to cancel the dues against the card and send me no dues certificate.

Thanking you for your usual co-operation.

Kailash Natani

Enclosed : Email reply from HSBC

I Kailash Ram Natani was having a HSBC Bank credit card and no is 5177979999701965 .and credit card was closed on Dec 23 2008.There was no outstanding balance when the card was closed (Dec 23 2008) After that I am not responsible for any purchase or transactions incuured in this card.Even then they are asking to pay Rs 7500 approx. as on today dated 10th of July 2010. kindly see this matter as soon as possible .I will be very thankful for your support.
<b  

 From: Ravikanth yandluri

Message:
I ravikanth yandluri, withdrawing money from canarabank Atm with my canara bank account on 8th march,2010. I did not received money But the amount was debit from my account. On 22nd march, 2010, i given a written complaint to concerned branch(arikere branch) manager, he is not taking action against anything. Again after 1 month i went to bank and asking about my compliant, they given one phone number(080- 26494484) it is not working.

On June i given a complaint through customer care, they given a complaint number (complaint number: 001186528). recently i called to customer care for followup the complaint number, they said this complaint number is not registered. So i raised a complaint number again (complaint number:001224166) on 23rd July, But still no action is taken by them.

As per RBI rule, i have to received money within 10-15 days, But my case it is happened almost 5 months, But still i did not received. So i am going to raise a complaint to consumer court against to the canara bank.

Thanks,
Ravi

From: g jyothi

Message:
Respected sir,

I had availed a vehicle loan from Kotak Mahindra Ltd on nov 2009. The loan was disbursed and i have recieved a loan shedule wich a showing a addtional debit of Rs 20000/- towards Kotak life insurance. Simalteneously i had recieved a policy document for Rs 20000/- where i noticed that my forgery signature done by some body and applied for the same.Since i had not applaied for any such insuarance, I had called representative who had collected the documents for my loan and he had appoligoised for the mistake happened and taken back one request letter and my original policy documents with him for cancellation and refund.Recently i had recived a renewal notice from Kotak

asking for the 2nd installment i understand that the policy is not cancelled .So i had made complaint to Kotak on 20/3 / 2010 for immdeate cancelletion and refund and forwarded mails to them but no proper reponse is recived till date.So i would like to complaint to this to the consumer court for the compensation and mental strain and to refund the amount with the interest . 

From: Eby Thomas

Complaint Against ICICI Bank ECS/Call Center Collection Team

I am currently servicing a PL loan from ICICI bank for which the ECS debit should happen from my savings bank account on 6th of every month, however, for the month of June 2010 the ECS debit happened on June 09, 2010 by which time there was insufficient funds in my account (I had assumed that the ECS had gone through as usual). I was then called by the Chennai Collection team of ICICI and asked to walk into their branch to pay the EMI across the counter which I did on June 14, 2010. I had asked them to resubmit the ECS again, however, they refused my request as the ECS debit account was with HDFC their rival bank. On June 22, 2010 when I checked my account, I was horrified to find an ECS re-run had been run on my account and the EMI amount withdrawn from my account. I walked into the collection branch of ICICI on June 23, 2010 to request that the money be immediately re-transfered to my account as I had a lot of things pending to be done with this amount. I was given a runabout with no assurance given as to the time when I would recieve this amount back in my account. I had to cancel a cheque that I had given and suffered a big loss of face and faith from the person who I had issued the cheque to. Also, I believe, I will not be compensated for my loss of interest on this amount for the period it would take me to get back this amount. If we as customers default on a payment, we would be penalised, the same way I would really like to know if the bank can be penalised for this act which has caused me a big loss of face and monetary loss as well?

Appreciate a quick reply to this so that I can take this forward or drop it as per your advice.

Thank you very much  

 From: Ketan Shah

Message:
Hi,

I Shri Ketan Shah had taken a car loan from citi bank, car loan. The car loan amount was Rs-2, 78,149 at 9% interest rate with EMI of Rs-5851for 59 months. The loan started from 7th May 2005.After paying 14 EMI installments Citi Bank then offered me the top up loan with Rs-1,09,037.36. By offering this loan they closed my earlier loan & converted old car loan+topup to new car loan. Now I am paying installments with interest rate of 17.98%.

I feel cheated & injustice because I was ignorant about higher percentage levied on complete amount, it should (17.98%) be applicable only to additional amount Rs-1, 09,037.36.

I need your help to sort out this matter.

Please advice.

Regards,
Ketan Shah

 From: Glenwil saldanha

Message:
26/06/2010

I Glenwil Saldanha owner of Glenwil Travels wanted to buy an Toyota
And approached Om Marketing for the same in the month of February.
Since they are a ( D.S.A) they approached Toyota millennium for the same
Finance was arranged from Mahindra finance of rupees 910200 ( Nine Lakhs
Ten Thousand Two Hundred ) on 23/03/2010 from that day onwards my
Monthly E.M.I began .the cheque was then handed to Toyota which in turn
Handed the delivery of the car to Om Marketing on ( 24/03/2010) and not me my signature was forged and the car was handed to the Om Marketing I refused to take the delivery of the car but Om Marketing dropped the car at my residence .

Here my problems started the car was to be Thane Registered I spoke to
Mr. Sanjay Thorat at millennium Toyota who was handling my registration
Who said the papers would come in a week and that I could drive the car since
My car was a Tourist car and my EMI was due I hired a driver and started business . when I finished 1000 kms I took the car to Toyota for a free service
My car was serviced papers of which are in my posession and then I finishes another 6000 odd Kms when I went for the service they told me that they could not releases the car as the car was not registered I told them that
I had already paid Rs 28180 for registration papers of which are in my possession . they told me I cannot take the car since it is not registered.

Then they told me the car cannot be registered in thane and they have
To register it in Mumbai jurdisation .and I have to pay octroi I told them if the could not have Thane registration why did the gave me the car I

 From: Nilesh Manohar

Message:

On 14th May 10 I received a call from ICICI Credit card collection office that there is a outstanding of about INR 1,04,000 against my corporate icici bank credit card no 4864 1031 4789 7010.
This was shocking as I have not done such transaction through this card.This card has been issued to me by my company as a corporate card.

So I called up customer care at 022-28307777 to understand the issue & report a complaint as I do not get any statement either by email,post/courier of SMS for this particular card.

While talking to them (There names are Pankaj & Sunil, Preeti) I discovered that this card is registered in the company name of Rama Trader shop no 15 Block no 8 1st floor Agra which is also in correct. As I informed that the said card is issued by my company but the ICICI bank credit card system is updated with this above company name. Also It was noticed that my contact details like my email ID & contact cell no has been changed in their system to ensure that I do not get any kind of SMS alerts, email statements except my residential address so that I would revert to bank to report for any unauthorise transaction

Also there were 3 transaction made at STAR Fashion,Faridabad of below amount

1) Rs 34284 12th Jan 10
2) Rs 35276 28th Jan 10
3) Rs 20250 10th Feb 10

I have never been to Faridabad in whole of my life & on all three days I was very much in Mumbai which I can prove using my HR department employee attendance records.

Also there was a report of cheque bounce of Rs 12000/- on 20/4/2010.The cheque details are as below

Cheque no 29801 IDBI Bank Agra.

From: PRAVEEN KUMAR MECHARLA

Message:
The DD of amount Rs 1,48,470 which i deposited got returned on 3rd July to my address at hyderabad as per bank records. My HDFC bank details(Plese register a complaint against this bank)

A/C 00901140126934
Branch sector 14 Gurgaon Haryana
Customer ID 25689252.

Ive registered a complaint with customer care on the very same day but till now ive not got any response yet.They say it was delivered to my home address on 3rd july to some person called Bhagya, who is not related to me in any sense.
Now im still awaiting my DD to be returned . This has happened at a time when iam in dire need of money.

Please do the needful.

Thanks
They say 

Dear Sir,

I would like to inform you that I have been harrassed by SBI credit card representatives for recovery of unpaid amount.

One of the SBI executive had approched our office colleague & inform him give SBI credit card with nil processing fees, nil annual charges and many offers like free insurance etc. I along with many of my office colleagues had opted for SBI credit card. The SBI executive had taken our signature on the form & informed us that he will fill the same.

After receipt our firt SBI credit card statement they had charged us for insurance premium. on calling the SBI customer service representative on their toll free number they had agreed to cancel the same which was done for many of my colleagues except me. From then onwards I have been charged the same along with interest on it.

I would like to mention here that SBI had issued me credit with wrong surname which I never swiped in any merchant establishment etc for this reason.

Time and again whenever they call I had informed them and also wrote to them number of times about this problem but they didn't bother to rectify the same nor replied to any of my mails.

As this problem is going for almost 4 years am very much tensed. This has reflected on my physical & mental health.

I would therefore request you to kindly intervene in this matter and solve my problem.

Thanking you in anticipation,

With kind regards,

Vikas S. Borkar
Panjim - Goa 

From: Dr.Anoop M

Message:
Dear Sir,
I am ICICI bank customer since 2002 and was using ICICI credit card from 2005 .i had clean credit card histoy till now . I lost my ICICI GOLD credit card (no .But I realised it only when it was used by a fraudster .Immediately ,I informed the ICICI bank and got my card blocked and requested not to honour the transactions as the merchandiser wouldn't have cross verified my signature. A ICICI bank investigating officer informed me that a nokia mobile handset had been purchased and gave the IEMI number of the mobile.

using this information ,I filed a complaint with the police.After some investigation,they found out that ,it was used with 4 different SIM cards.Meanwhile,I informed the bank about this.

In-spite of all this,they debited Rs.24,000 from my account on 5th july 2010,and did not have any concern of informing me about this.And to add to this,there was no any kind of support from them during the investigation.They didn't even contacted the police to know the truth.This justifies how careless they were.

when asked about this injustice,they justified themselves and challenged me to file a case in the consumer court.

After this, I decided to take up the issue in the consumer forum, for harassing me, by calling me a fraudster by helding me responsible for this fraud.

I want the bank to contact the police and help them through the investigation.I want them to return my money and apologize to me.

And I also want the RBI to impose some more authentication procedures when a credit card is used.

thank you 

 From: Bhrigu Shankar

Message:
I purchased a LCD TV and a DVD player on 23/12/2008 from M/s. Great Eastern Appliances Ltd., Kamkurgachi, Kolkata for a price of Rs. 35,000/-. M/s. Bajaj Consumer Finanace Ltd. had (and still have)a desk at the retailer's place offering consumer loan at 0% interest. I made a down payment of Rs. 14985/- through my Kotak bank credit card and the balance amount was to be paid by 7 EMIs of Rs. 2917/- each through means of ECS from my savings A/C with AXIS bank.

In the month of October 2009, I found some discrepency in balance amount of my bank account and upon close scrutiny I found that instead of 7 EMIs, 9 EMIs were charged from my bank account. I took up the matter with the sales executive of M/s. Bajaj Consumer Finanace Ltd. located at the retailer and he agrred with my findings and with his help I could recover extra money taken by me.

I was transferred to Lucknow on 01/12/2009 and was surprised when I got a call from M/s. Bajaj Consumer Finanace Ltd. charging me that I owe them on EMI of Rs. 2917/- When I contested their claim they argued that I was supposed to pay them 10 EMIs of Es. 2917/-. When I argued and asked them to explain why I should pay 10 EMIs by any formula of mathematics as according to me(Cost- Rs. 35,000/- + Processing Fee-Rs. 400/- = Downpayment- Rs, 14,985/- + 7 EMIs of Rs, 2917/- each; means no more payment by me) I was asked to send them the documents, the summary of which was narrated to them over telephone, details sent through SMS in December 2009 and an e-mail ( from my account geoxplorer @ rediffmail.com) sent in January 2010. These were never acknowledged and no communication was received back. I thought they have setteled the matter and was relaxed but all of sudden I noticed that

 From: Nawabuddin Azad

Message:
Non Payment of Maturity Amount by "Lloyds Finance Limited". Many letters were written to them but in Vain. One such letter containing the details of the problem has been reproduced as follows:

Quote:

Date: 20.08.2009
The General Manager
Lloyds Finance Limited
Viraj Impex House, 2nd Floor,
47, P.D’Mello Road, Masjid (East)
Mumbai 400 009
Sub: Maturity Payment

The following Fixed Deposits have already matured:
Depositor’s NameDate of Deposit Maturity Date Receipt No.Amount of Deposit Period
(months)
Rumana Azad 31.03.1997 28.02.2001 C/0697037411/1 Rs.7000 47
Rumana Azad 08.05.1997 08.04.2001 C/0697053052/1 Rs.7000 47
Rumana Azad 02.05.1997 02.04.2001 C/0697050446/1 Rs.7000 47
Rumana Azad 28.04.1997 28.03.2001 C/0697048576/1 Rs.5000 47
Abdul Rashid 20.01.1997 20.01.2000 F/0697015100/1 Rs.13000 36
Abdul Rashid 04.02.1998 01.02.1999 C/0698003591/1 Rs. 16195 12
Abdul Rashid 06.01.1997 09.11.2000 C/0696046787/1 Rs. 9000 47

The request for the payment of the maturity amount along with the original Deposit Receipts have already sent to your office. Many reminders e.g. reminder dated 03.07.2001 with the copy of the receipts has also been sent, reminder dated 11.09.2001 and many reminders over the years have been sent to you and as a return action from your end I have been getting only assurances of payment and nothing else.
You are requested to kindly arrange for the payment, with up-to-date interest.

All correspondences including the Cheque/ Bank Draft for the maturity amount should be sent to the following address:
<

 From: Ketan Shah
Message:
Hi,

I Shri Ketan Shah had taken a car loan from citi bank, car loan. The car loan amount was Rs-2, 78,149 at 9% interest rate with EMI of Rs-5851for 59 months. The loan started from 7th May 2005.After paying 14 EMI installments Citi Bank then offered me the top up loan with Rs-1,09,037.36. By offering this loan they closed my earlier loan & converted old car loan+topup to new car loan. Now I am paying installments with interest rate of 17.98%.

I feel cheated & injustice because I was ignorant about higher percentage levied on complete amount, it should (17.98%) be applicable only to additional amount Rs-1, 09,037.36.

I need your help to sort out this matter.

Please advice.

Regards,
Ketan Shah

From: Ashok Savanur

Message:
Dear Concern,

I have purchased 4 wheeler (Car) thru loan from HDFC Bank (Loan Agreement No. 15304951). I have signed aggreement to deduct amount on 7th of every month thru ECS (Axis Bank). But they have updated there record as 5th of every month. ECS started deducting from October 09 without any problem/bounce charges of ECS. From January 10 I found in my bank statement Rs. 221/- as bounce charges. when i went to HDFC on 26/02/2010 and given the documents related to Auto Loan they have assured that the needful will be done by changing into 7th of every month. Again I went in the month of April 2010 they had assured but nothing has happened. One more time I went on 04/06/2010 and asked them to update but I didn't any reply from them. In one month ECS bounce charges was happened twice.

I request you to help us in getting the needful done and get the bounce charges back from HDFC bank.

Hopeful of getting positive feed back from you.

Thanks in advance.

Regards,

Ashok S.  

 Respected Sir,

I am the customer of ICICI bank having saving bank account at Bangalore cantonment branch (A/c. no: 625201512733) as well as credit card account. I used my credit card at one POS center (Pakshi Readymades) at Cuddalore, Tamil Nadu on dated 24.10.2008 for Rs.378/- (Three hundred and seventy eight only) later I came to know the sum of Rs.2362/- (Two thousand three hundred and sixty two only) additional amount also debited in my account wrongly. I registered complaint to the same to concern office and re-credited in my account one month later on 20.11.2008 for the delay period they charged Rs.400+49.44(s.t.) in my credit card account. But I claimed that amount through ICICI mobile banking they assured to reverse the wrong amount charged by them immediately and block my credit card as per my request.

I issued cheque from my saving account of Rs.4000/- to my house owner on dated 25/05/2010 and it got returned with the return

 From: ROHIT CHAWLA

Message:
I held HDFC Credit card and in year 2009 there was late payment and other finance charges were levied by bank and I asked them to cancel that as it was not due to my mistake. I got lots of calls but they could not do it first, then I requested for the closure of the card and stopped using it. Then I got lots of calls offering me upgraded card and assured me to correct the undue charges (by customer care executive) and to my surprise after which bank has issued me a INTERNATIONAL CARD # 5243681101627431

But the same problem was there (hidden). I started getting hiked up amount shown in my statements and they started asking me for more payment than my actual expenses... I again wrote mails and calls were made... but no use... then at last I cut the card into 4 pieces and couriered to Chennai Address. I have also got the letter of confirmation of receipt of destroyed card by your Deputy Manager - Customer Service (Amudha D) dated 11th March 2010 stating that your bank has received destroyed card... It was also mentioned that you are unable to process the request as you have received the card without any written instructions...

Dispute goes on... As per me there was no payment due except un-due charges which was not my liability as I was informing bank from beginning and they were not listening... now as amount of 500 has hiked up to some 17-18K, they are after me and harrasiing every now and then... I have been also getting threatening calls from the bank claims department and few calls have been made to my wife also. I have the voice recordings of the one of the bank official saying that if I do not pay, they can do lot of things...

Further to the issue, I have been getting regular calls from bank

 From: Rajni Kukreja

Message:
SUBJECT Misguidance/missell of policy by HDFC

Dear Sir/Madam

I (Rajni Kukreja) am a regular and privileged customer of HDFC holding account no.06141000013337 at Geetanjli Branch and at Janak Puri Branch also and I was offered policy on 16 sep 2009 and this policy was arrived in mid October and it was shocking for me when I received a sms on my phone that amount of Rs 2.5lac + 500 Rs has been deducted from my account which I was never interested to go for. As I was really not interested in taking this policy and I told the sales managers Mr.Ashwani and Ms.Sumit Kaur at Janak puri branch that I need to think about the plan but they were persistent and literally forced me to take this policy and the money was taken out of my bank by direct debit on the same day when they offered me.

To update you further I want to inform you that they have taken my signatures by saying that they are keeping these papers here with them and will only used them after my concern and they didn’t given me any scanned copy of any of signed form which I think is essential for issuing any policy, they have also used my ID’s wrongly which I have given to them for opening my son’s NRI account at Bank. After giving many applications to the manager and many visits to the branch they were reluctant to do anything.

Immediately after I received policy I personally visited the Branch and told them to cancel this policy they said they will do it but they didn’t done that in spite of my regular callings and many visits even a written letter to the Branch Manager Ms. Money Mahajan of Janak Puri, I received a copy of that policy on 10th October 2009 and I called customer care they said that your

 From: Yusuf Dohadwala

Message:
Dear Mr.Dohadwala,

We sincerely regret the inconvenience caused to you.

We confirm that the credit of Rs 12600.00 has being posted on the credit card account on December 24,2008 against the excess payment made to ICICI Prudential Life Insurance policy premium and we have also processed the request for the reversal of the finance charges being levied on the statement dated November 09 and December 09,2008 and the credit for the same would reflect on the statement dated January 09,2008.

We would request you to make the payment of Rs 13089.01 which is the outstanding for the transactions that you have done as on December 09,2008.

Your complaint regarding the calls received from collections is being looked into with utmost seriousness by Senior Managers of the bank. We would like to assure you that we are taking the necessary steps to ensure that such incidents do not recur.

Looking forward to your cooperation towards a better service.

Sincerely,

Probal Sengupta
Customer Service Executive
ICICI Bank Limited.

 Dear Sir / Madam,

Please find below the correspondence between undersigned and Axis bank customer care.

Undersigned has received statement for the month of April 2010 ( statement period 1-04-2010 to 1-05-2010 ) wherein they have charged for 2 EMI's . One EMI was for the month of April and in the same statement they have charged second EMI dated 02/05/2010. If the statement itself mentioned the period from 1-04-2010 to 1-05-2010 so there is no question of putting the second EMI. After taking follow ups with Axis Bank Customer Care . They have mentioned in thier vide below mail dated 10/05/2010 i.e. due to technical error we have mentioned that amount , and you have to pay the outstanding amount before due date to avoid finance charges of the next month.

According to me customer taking EMI's from the Bank so that their budget will not collapse and if they are saying that I have to pay the outstanding amount to avoid the further finance charges that means they are harassing the customer .

I have written so many mail before the due date ( 21st May 2010 ) of my payment but no response from Axis Bank.

Kindly looked into the matter urgently so that next time onward such a issues will be taken care by the bank at earliest.

scan copy the statement is attached for your ready reference and necessary action at your end please.

Thanks,
Shravani Sawant

 From: Sameer T I
Message:
Hi,
I have a salaried account with HDFC and was having a HDFC credit card.
I went for final settlement on credit card. As per the settlement i Have to pay 70K in 5 installment and upon verbal communication from the credit card agent I was elgible for a grace month for clearing the amount.
I paid 48k in 5 month and rest amount for communicated for payment to HDFC Credit card agent on 15th of this month.
I have been in constant communication with the Credit card recovery agent and the payment have been regular for past 5 month. This is the 6th month as per settlement letter for credit card.
On 4th of this month HDFC freezed my Salaried account and frooze my salary and all the transactions have been denied by the bank and have returned all my monthly EMIs due to which I have become a defaulter to other banking and my telecom Bill. They have also levelled chargers for these denied chargers by the bank.

I received a registers post on 11th of this month discribing that I havent paid credit card min amount for past few month n they were not able to contact me hence they have frooze my salary account. This is not true.

Please let me know where do I stand on this legally to approach the Consumer forum.