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Thread: Banking Ombudsman

  1. #16
    Unregistered Guest

    Default इन्टरनेट बैकिंग लेन-देन प्रारम्भ न करने कŪ

    मेरी समस्या ये है सर की मेरे खाते से मैनें इन्टरनेट बैंकीगं शुरु करादी गई है लेकिन अभी तक मेरे खाते मे लेन-देन प्रारम्भ नहीं किया गया है कोई जब भी हम वहा जाते है तो हमें सन्तुष्टि जबाब नही मिलता है। कृपया मेरी समस्या को जल्द से जल्द से सुलझाने कि कृपया करें आपकी अति कृपया होगी यह शाखा मण्डावर महवा रोड जिला दौसा राजस्थान 321609 कि एस.बी.बी.जे है।

  2. #17
    Unregistered Guest

    Default HDFC bank debit card

    Hi,

    This is regarding HDFC bank debit card.
    I had requested a new insta card and used for few days but then it stop working and reflects as invalid pin where I have not changed my pin.

    I contacted bank and they suggested me the request for a new PIN by internet banking.
    Now it is not free service and I don't think I should pay for something which is not my fault.

    Please suggest what should I do in this case as bank / bank employee are usually adamant and they won't accept as banks fault.


    SUNIL

  3. #18
    Unregistered Guest

    Question Outstanding amount showing in my Standard Charted Credit Card

    Dear Sir/ Madam,



    This is with reference to the outstanding amount showing in my Standard Charted Credit Card

    July 2012 Statment of my Card no. 4196074940182406.



    I would like to inform you that the said amount has been showing as outstanding since OCT 2011.

    The outstanding amount has been since then increasing along with the late fees charges.I have already

    logged a complaint many times regarding this, but I have not received proper response for complaint

    lodged from your Bank side.



    The Bank executive had offered me this service when I was not at all intrested in the same .



    The said service was returned well within the free trial period but then to the service charge fees pertaining

    to the said service are showing outstanding in account. I request you to look into this matter and

    look forward for your kind co-operation in the said issue.



    Amount of 4000 which was charged was completely waived off which you can find in statement attached.

    So,Kindly let me know when 100% amount was waived on which amount service tax has been applied.



    Regards

    Ashish

  4. #19
    Unregistered Guest

    Thumbs up HDFC Bank ulhasnagar branch -Delay in settlement of my claim

    I am the residence of ulhasnagar, ma dad was having an saving Account no 08152560000298 with HDFC ulhasnagar branch.

    He passed away four months back. Bymistakenly he had not created the nominee while opening the account.

    Actually bank staff would have guided to my dad to create the nominee otherwise opening should not being accepted.

    Now i have claimed the balance lying in the bank Account to trf it to my mom.

    Branch manager had askd for various documents (Guarantors sign, PAN, Bank statements, Income tax returns) two witnesses details etc.

    I have submitted all the documents dully signed. it has being more than 1 month still they are not processing ma claim.
    Reason they are giving that RBI approval is pending etc.

    My family is suffering a lot. please solve ma issue. U can contact me on 08552902520

  5. #20
    Sharma39ashish@gmail.com Guest

    Default Acount

    Sir,
    Me apna acount interneting karana hai canara bank me

  6. #21
    Unregistered Guest

    Default Complaint against state bank of india for unexpected delay in cheque collection

    Dear Sir/Madam
    Re: Seeking Compensation for unexpected delay in Remittance.
    On Tuesday 9th July, I opened saving account with SBI branch. My account name is Gautam Kataria, and my account number is 33113769236. Also, on the same day, infact at the same time, I deposited a foreign cheque worth $6207.45, which was issued by my superannuation fund entity (REST INDUSTRY SUPER AUSTRALIA PTY) as final settlement of my benefit.
    Upon the deposit, I intimated SBI staff about the payable branch, as saying that cheque is payable by Westpac Banking Corporation Sydney, and I believe that the payment would come through as Australian dollar, even your staff agreed on that.
    However, after one month I discovered that the cheque has been denied payment because it was claimed as American dollar .obviously , it was supposed to be that way .Anyhow, whatever mistake or error occurred at the branch or the respective branch where the check was sent for collection ,In consequences I have been put on hold for about another month, though it should not have happened.If there were any doubt about the respective currency , BANK staff should have Contacted me ,So that I would have contacted other end to sort out dilemma in the process, but no one thought it appropriate to make efforts to make things evident. Even, I am begining to think that I made a mistake by opening account with State Bank of India. Not to mention, waiting for another 20 or 25 days means that there is a sheer possibility of losing money due to fluctuating Australian dollar. The most bizarre thing is the reluctance Of providing right information by State Bank of India NRI branch jalandhar asThe checque was sent to them for collection.it has been nearly 2 months now and No one from there is telling me what is happening with the cheque.
    Even it has been 2 months and I still has not got money as every time ask bank
    They make excuses .In spite of the commitment made by manager that bank
    Will get it sorted in 20 days, it has been delivered even after 26 days.
    In short, I expect bank to compensate me for the unnatural delay in terms of interest on the money which would been received as well as compensate me for the mental agony which I have suffered. Otherwise I am all set to move my complaint to consumer court.

    Yours sincerely,
    Gautam kataria
    98787-59931

  7. #22
    piusanand Guest

    Unhappy wrong neft transfer done by icici bank

    Hi,

    Sir, Mam,

    I have transfer 3 lakhs rs in my brother ac from axis bank ac no.
    020010102041302 saving ac
    2 lakhs on 29 may
    1 lakhs on 29 may

    My brother Name is Mukesh Anand he have his ac in icici bank and hi ac
    number is 698601533263
    but due to mistake i have his ac number 698601533268 instead of 3 written
    8 and the money deducted from my ac and on 30th may its come to my ac only
    1 lkahs rs and rest 2 lakh rs still not got both the bank are not excepting
    there fault and sending me to icici and axis bank daily so my humble
    request is to kindly look into this matter.

    when i want to ask icici bank they said money is withdrawal from Mr Snehal
    Ramesh Kanekar.
    My question is how can he only take 2 lakhs rs and bank refunded 1 lakhs to
    me he can take all 3 lakhs rs.

    plz sort out this issue

    thanks
    pius anand





    Quote Originally Posted by admin View Post
    Banking Ombudsman Scheme, 2006

    1. What is the Banking Ombudsman Scheme?
    The Banking Ombudsman Scheme enables an expeditious and inexpensive forum to bank customers for resolution of complaints relating to certain services rendered by banks. The Banking Ombudsman Scheme is introduced under Section 35 A of the Banking Regulation Act, 1949 by RBI with effect from 1995.



    2. Who is a Banking Ombudsman?
    The Banking Ombudsman is a senior official appointed by the Reserve Bank of India to redress customer complaints against deficiency in certain banking services.


    3. How many Banking Ombudsmen have been appointed and where are they located?
    As on date, fifteen Banking Ombudsmen have been appointed with their offices located mostly in state capitals. The addresses and contact details of the Banking Ombudsman offices have been provided in the annex.


    4. Which are the banks covered under the Banking Ombudsman Scheme, 2006?
    All Scheduled Commercial Banks, Regional Rural Banks and Scheduled Primary Co-operative Banks are covered under the Scheme.



    5. What are the grounds of complaints?
    The Banking Ombudsman can receive and consider any complaint relating to the following deficiency in banking services (including internet banking):

    • non-payment or inordinate delay in the payment or collection of cheques, drafts, bills etc.;
    • non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose, and for charging of commission in respect thereof;
    • non-acceptance, without sufficient cause, of coins tendered and for charging of commission in respect thereof;
    • non-payment or delay in payment of inward remittances ;
    • failure to issue or delay in issue of drafts, pay orders or bankersí cheques;
    • non-adherence to prescribed working hours ;
    • failure to provide or delay in providing a banking facility (other than loans and advances) promised in writing by a bank or its direct selling agents;
    • delays, non-credit of proceeds to parties accounts, non-payment of deposit or non-observance of the Reserve Bank directives, if any, applicable to rate of interest on deposits in any savings,current or other account maintained with a bank ;
    • complaints from Non-Resident Indians having accounts in India in relation to their remittances from abroad, deposits and other bank-related matters;
    • refusal to open deposit accounts without any valid reason for refusal;
    • levying of charges without adequate prior notice to the customer;
    • non-adherence by the bank or its subsidiaries to the instructions of Reserve Bank on ATM/Debit card operations or credit card operations;
    • non-disbursement or delay in disbursement of pension (to the extent the grievance can be attributed to the action on the part of the bank concerned, but not with regard to its employees);
    • refusal to accept or delay in accepting payment towards taxes, as required by Reserve Bank/Government;
    • refusal to issue or delay in issuing, or failure to service or delay in servicing or redemption of Government securities;
    • forced closure of deposit accounts without due notice or without sufficient reason;
    • refusal to close or delay in closing the accounts;
    • non-adherence to the fair practices code as adopted by the bank or non-adherence to the provisions of the Code of Bank s Commitments to Customers issued by Banking Codes and Standards Board of India and as adopted by the bank ;
    • non-observance of Reserve Bank guidelines on engagement of recovery agents by banks; and
    • any other matter relating to the violation of the directives issued by the Reserve Bank in relation to banking or other services.

    A customer can also lodge a complaint on the following grounds of deficiency in service with respect to loans and advances

    • non-observance of Reserve Bank Directives on interest rates;
    • delays in sanction, disbursement or non-observance of prescribed time schedule for disposal of loan applications;
    • non-acceptance of application for loans without furnishing valid reasons to the applicant; and
    • non-adherence to the provisions of the fair practices code for lenders as adopted by the bank or Code of Bankís Commitment to Customers, as the case may be;
    • non-observance of any other direction or instruction of the Reserve Bank as may be specified by the Reserve Bank for this purpose from time to time.
    • The Banking Ombudsman may also deal with such other matter as may be specified by the Reserve Bank from time to time.

    6. When can one file a complaint?
    One can file a complaint before the Banking Ombudsman if the reply is not received from the bank within a period of one month after the bank concerned has received one s representation, or the bank rejects the complaint, or if the complainant is not satisfied with the reply given by the bank.

    7. When will one s complaint not be considered by the Ombudsman ?
    One s complaint will not be considered if:

    a. One has not approached his bank for redressal of his grievance first.



    b. One has not made the complaint within one year from the date one has received the reply of the bank or if no reply is received if it is more than one year and one month from the date of representation to the bank.


    c. The subject matter of the complaint is pending for disposal / has already been dealt with at any other forum like court of law, consumer court etc.


    d. Frivolous or vexatious.


    e. The institution complained against is not covered under the scheme.


    f. The subject matter of the complaint is not within the ambit of the Banking Ombudsman.


    g. If the complaint is for the same subject matter that was settled through the office of the Banking Ombudsman in any previous proceedings.


    8. What is the procedure for filing the complaint before the Banking Ombudsman?
    One can file a complaint with the Banking Ombudsman simply by writing on a plain paper. One can also file it online or by sending an email to the Banking Ombudsman. There is a form along with details of the scheme in our website.However, it is not necessary to use this format.


    9. Where can one lodge his/her complaint?
    One may lodge his/ her complaint at the office of the Banking Ombudsman under whose jurisdiction, the bank branch complained against is situated.
    For complaints relating to credit cards and other types of services with centralized operations, complaints may be filed before the Banking Ombudsman within whose territorial jurisdiction the billing address of the customer is located.
    Address and area of operation of the banking ombudsmen are provided in the annex.


    10.Can a complaint be filed by one s authorized representative?
    Yes. The complainant can be filed by one s authorized representative (other than an advocate).

    11. Is there any cost involved in filing complaints with Banking Ombudsman?
    No. The Banking Ombudsman does not charge any fee for filing and resolving customersí complaints.



    12. Is there any limit on the amount of compensation as specified in an award?
    The amount, if any, to be paid by the bank to the complainant by way of compensation for any loss suffered by the complainant is limited to the amount arising directly out of the act or omission of the bank or Rs 10 lakhs, whichever is lower.


    13. Can compensation be claimed for mental agony and harassment?
    The Banking Ombudsman may award compensation not exceeding Rs 1 lakh to the complainant only in the case of complaints relating to credit card operations for mental agony and harassment. The Banking Ombudsman will take into account the loss of the complainant s time, expenses incurred by the complainant, harassment and mental anguish suffered by the complainant while passing such award.


    14. What details are required in the application?
    The complaint should have the name and address of the complainant, the name and address of the branch or office of the bank against which the complaint is made, facts giving rise to the complaint supported by documents, if any, the nature and extent of the loss caused to the complainant, the relief sought from the Banking Ombudsman and a declaration about the compliance of conditions which are required to be complied with by the complainant.



    15. What happens after a complaint is received by the Banking Ombudsman?
    The Banking Ombudsman endeavours to promote, through conciliation or mediation, a settlement of the complaint by agreement between the complaint and the bank named in the complaint.
    If the terms of settlement (offered by the bank) are acceptable to one in full and final settlement of one s complaint, the Banking Ombudsman will pass an order as per the terms of settlement which becomes binding on the bank and the complainant.



    16. Can the Banking Ombudsman reject a complaint at any stage?
    Yes. The Banking Ombudsman may reject a complaint at any stage if it appears to him that a complaint made to him is:

    • not on the grounds of complaint referred to above
    • compensation sought from the Banking Ombudsman is beyond Rs 10 lakh .
    • requires consideration of elaborate documentary and oral evidence and the proceedings before the Banking Ombudsman are not appropriate for adjudication of such complaint
    • without any sufficient cause
    • that it is not pursued by the complainant with reasonable diligence
    • in the opinion of the Banking Ombudsman there is no loss or damage or inconvenience caused to the complainant.

    17. What happens if the complaint is not settled by agreement?
    If a complaint is not settled by an agreement within a period of one month, the Banking Ombudsman proceeds further to pass an award. Before passing an award, the Banking Ombudsman provides reasonable opportunity to the complainant and the bank, to present their case.
    It is up to the complainant to accept the award in full and final settlement of your complaint or to reject it.



    18.Is there any further recourse available if one rejects the Banking Ombudsmanís decision?
    If one is not satisfied with the decision passed by the Banking Ombudsman, one can approach the appellate authority against the Banking Ombudsmenís decision. Appellate Authority is vested with a Deputy Governor of the RBI.
    One can also explore any other recourse and/or remedies available to him/her as per the law.
    The bank also has the option to file an appeal before the appellate authority under the scheme.



    19. Is there any time limit for filing an appeal?
    If one is aggrieved by the decision, one may, within 30 days of the date of receipt of the award, appeal against the award before the appellate authority. The appellate authority may, if he/ she is satisfied that the applicant had sufficient cause for not making an application for appeal within time, also allow a further period not exceeding 30 days.


    20. How does the appellate authority deal with the appeal?
    The appellate authority may
    i. dismiss the appeal; or
    ii. allow the appeal and set aside the award; or
    iii. send the matter to the Banking Ombudsman for fresh disposal in accordance with such directions as the appellate authority may consider necessary or proper; or
    iv. modify the award and pass such directions as may be necessary to give effect to the modified award; or
    v. pass any other order as it may deem fit.

  8. #23
    Unregistered Guest

    Angry Hdfc harrasment

    Respected Sir/Mam

    My name is Rocky Mark Dcruze and am from New Delhi. My sister has taken a loan but unfortunately she is not at all keeping well, we have spoken to HDFC that we will pay the loan but the my sister is paying the loan but the bank HDFC is not reducing the interest from there end. They have also came to my house and they were miss behaving with my mother and was threatening us that we will show you what we will do and we will come and will take every thing from the house that you have. Today from the bank they called me again shouting over the phone and threatening that i will come tomorrow to your house and will pick every thing what ever is there. Every time they are calling me and my mother and threatening us and also abusing my mother and me on the phone. Sir its a humble request that either send am email or what ever communication you can have with the bank of HDFC have it because they are harassing me and my mother. Please I need a response ASAP.

    Thank You
    Rocky Mark Dcruze
    rocky_mark2006@rediffmail.com

  9. #24
    Unregistered Guest

    Default Standard chartered credit card charges late fee and interest --Irresponsible customer service

    Dear Sir/ Madam,



    This is with reference to the late fee & interest of Rs. 1797.69 showing in my Standard Charted Credit Card

    Aug 2013 Statement of my Card no. 4541982339824085

    I sent mail on Principal nodal mail ID and Head customer service on 28th Aug'13 about wrong charges debited my account. On 7th Sept'13 after reminder the 1st mail recd asking for further information which is 10 days of original mail.

    After waiting for almost another 10 days , i again sent reminder to all concern on 18th sept and in the same evening i got mail that they have recd the payment late.

    I sent mail that my account was debited on the due date of credit card bill, then why you have charged me late fee and interest.

    I request you to look into this matter and look forward for your kind co-operation in the said issue.

    Regards

    Neeraj

    0-9090009201

  10. #25
    Unregistered Guest

    Default my sip of Rs.1000 not shown in Internet banking

    Hi,

    pls shown my SIP of Rs.1000 in Internet banking Axis Bank Mutul fund my Co.ID no,028016054


    Thanks
    Harish

  11. #26
    Unregistered Guest

    Default Reg- Rs 3000/- of dt 03/06/2013 which is not credit by ICICI Bank

    Dear Sir,

    In this regards I am submitted that the amount of rs 3000/- dt 03/06/2013 which we have withrawls from PNB but due to some machine we have not get this amount
    but the amount was debited to my my account but after many time follow up from both bank icici and pnb but till we have not received my amount.Below is the mail reced from icici bank .


    Dear Mr. Lal,
    We refer to your complaint addressed to ICICI Bank regarding your Savings Bank Account XXXXXXXX9176.

    We submit that to retrieve ATM clippings we need FIR copy and ATM clippings will be available only for a period of 90 days from the transaction date.

    We reiterate that we have replied to your concerns vide our e-mail dated July 24, 2013 and offered relevant explanation. Our final stand on the matter was also sent vide our e-mail dated July 24, 2013.

    We look forward to your co-operation in the interim.

    We affirm that ICICI Bank acts at all times in good faith, with diligence and without any intent prejudicial to the interests of its customers.

    Sincerely,

    Sri Venkateshwara
    Office of Head Service Quality

  12. #27
    Unregistered Guest

    Angry No ticket refund after more than 2 months

    Dear Sir,

    Am attaching the correspondence happening between me and airindia express for the past 2 months. Till now i didnt receive any proper response regarding the same. Kindly look into the matter and provide a proper reply.

    Date: Tue, Oct 8, 2013 at 8:33 AM
    Subject: RE: AIRINDIAEXPRESS Confirmation #ADJT67
    To: Anoop B <anoopbaiju@gmail.com>




    Dear Sir / Madam,



    Thank you for choosing to fly with Air India Express.



    We are very sorry for the delay.



    Kindly note that we have again forwarded your mail to the finance department with high importance who will investigate your case and take appropriate action and will refund your money as soon a possible.



    We hope the above information is sufficient. Please feel free to get in touch with us for any further clarification.



    Best Regards,

    Customer Support (SH)

    Air India Express.





    From: Anoop B [mailto:anoopbaiju@gmail.com]
    Sent: Monday, October 07, 2013 10:13 PM

    To: customersupport
    Subject: Re: AIRINDIAEXPRESS Confirmation #ADJT67



    Dear Sir,

    Kindly update me the status of the refund. I have to settle the payment against my credit card inorder to close the same. why r u people doing this to us? its been noted that you have being delaying most of the refunds like this. Pls let me know the next step i have to take since theres no use in telling to deaf ears.



    On Fri, Oct 4, 2013 at 8:09 AM, Anoop Baiju <anoopbaiju@gmail.com> wrote:

    Reminder



    Thanks & Regards,



    Anoop. B

    Abu Dhabi, U.A.E

    Mobile: +971-50-2057457

    Email: anoopbaiju@gmail.com

    Sent from my iPhone


    On Sep 30, 2013, at 9:36 AM, "customersupport" <customersupport@airindiaexpress.in> wrote:

    Dear Sir / Madam,



    Thank you for choosing to fly with Air India Express.



    We are very extremely sorry for the delay.



    Kindly note that we have again forwarded your mail to the finance department with high importance who will investigate your case and take appropriate action and will refund your money as soon a possible.



    We hope the above information is sufficient. Please feel free to get in touch with us for any further clarification.



    Best Regards,

    Air India Express.

    Customer Support (PN)



    From: Anoop Baiju [mailto:anoopbaiju@gmail.com]
    Sent: Monday, September 30, 2013 10:03 AM
    To: customersupport
    Subject: Re: AIRINDIAEXPRESS Confirmation #ADJT67



    Dear sir,



    Its going to be 2 months since i registered for the refund. Till its just follow ups with ur finance department. I wonder whether ur finance dept is sleeping for the whole 2 months. Just give a clear reply mentioning the cause of this delay. I dnt wanna hear that u have sent a reminder or any such follow ups.

    Thanks & Regards,



    Anoop. B

    Abu Dhabi, U.A.E

    Mobile: +971-50-2057457

    Email: anoopbaiju@gmail.com

    Sent from my iPhone


    On Sep 25, 2013, at 9:01 AM, "customersupport" <customersupport@airindiaexpress.in> wrote:

    Dear Sir/Madam,



    We are extremely sorry for the delay.. Kindly note that we have again sent a reminder to our finance department who will take some action as soon as possible.



    Thank you for bearing with us.



    We hope the above information is sufficient. Please feel free to get in touch with us if you still face any other problem.





    Best Regards,

    Customer Support (KA)

    Air India Express.





    From: Anoop Baiju [mailto:anoopbaiju@gmail.com]
    Sent: Wednesday, September 25, 2013 9:48 AM
    To: customersupport
    Subject: Re: AIRINDIAEXPRESS Confirmation #ADJT67



    Dear sir,



    Kindly let me know the status of the below mentioned refund. Its been more than 45 days since i received the same. Pla revert back at the earliest.

    Thanks & Regards,



    Anoop. B

    Abu Dhabi, U.A.E

    Mobile: +971-50-2057457

    Email: anoopbaiju@gmail.com

    Sent from my iPhone


    On Sep 3, 2013, at 3:12 PM, "customersupport" <customersupport@airindiaexpress.in> wrote:

    Dear Sir / Madam,



    We are constantly keeping a track of your case and shall revert to you

    As soon as possible.



    We are sorry for the inconvenience caused to you and thank you for

    Bearing with us.



    Thanks once again.



    Best Regards

    Customer Support (KA)

    Air India Express.





    From: Anoop [mailto:anoopbaiju@gmail.com]
    Sent: Monday, September 02, 2013 10:54 PM
    To: customersupport
    Subject: Re: AIRINDIAEXPRESS Confirmation #ADJT67



    Dear sir,



    Its been since one month i had registered a complaint. Till now i have not received any updates regarding the same. Kindly update regarding my refund at the earliest.

    Thanks & Regards,




    Anoop. B

    Abu Dhabi, U.A.E

    Mobile: +971-50-2057457

    Email: anoopbaiju@gmail.com

    Sent from my iPad


    On 24-Aug-2013, at 10:58 AM, "customersupport" <customersupport@airindiaexpress.in> wrote:

    Dear Sir / Madam,



    Thank you for choosing to fly with Air India Express.



    Kindly note that we have forwarded your mail to the finance department who will investigate your case and take appropriate action.



    We hope the above information is sufficient. Please feel free to get in touch with us for any further clarification.



    Best Regards,

    Customer Support (SB)

    Air India Express.









    From: Anoop [mailto:anoopbaiju@gmail.com]
    Sent: Friday, August 23, 2013 5:45 PM
    To: customersupport
    Subject: Re: AIRINDIAEXPRESS Confirmation #ADJT67



    Dear Sir,



    As per the below mail dated 07/08/2013, you had mentioned that the refund will be done within 10-12 working days. But till now i havnt received any refund for the same. Kindly look into the matter and revert back at the earliest.

    Thanks & Regards,



    Anoop. B

    Abu Dhabi, U.A.E

    Mobile: +971-50-2057457

    Email: anoop@intherpro.ae

    Sent from my iPhone


    On 01-Aug-2013, at 12:50 PM, "customersupport" <customersupport@airindiaexpress.in> wrote:

    Dear Sir/Madam,



    This mail is to inform you that your ticket has been refunded on 07th August 2013. The refunded amount will be processed to your account within 10 Ė 12 working days.



    We hope the above information is sufficient. Please feel free to get in touch with us if you still face any other problem.



    Best Regards,

    Customer Support (SB)

    Air India Express.





    From: Anoop [mailto:anoopbaiju@gmail.com]
    Sent: Tuesday, August 06, 2013 12:10 AM
    To: customersupport@airindiaexpress.in
    Subject: Fwd: AIRINDIAEXPRESS Confirmation #ADJT67



    Dear sir,



    The subject passengers shown in the below ticket couldnt fly on 04/08/2013. Kindly let me know how the refund policy works as the ticket was taken using the credit registered under my name.



    Thanks & Regards,






    Anoop. B

    Abu Dhabi, U.A.E

    Mobile: +971-50-2057457

    Email: anoopbaiju@gmail.com

    Sent from my iPad


    Begin forwarded message:

    From: <reservations@airindiaexpress.com>
    Date: 31 July 2013 6:18:38 PM GMT+04:00
    To: <anoopbaiju@gmail.com>
    Subject: AIRINDIAEXPRESS Confirmation #ADJT67

    <~WRD106.jpg>


    <~WRD106.jpg>
    E-mail: customersupport@airindiaexpress.in

    Confirmation number:


    ADJT67

  13. #28
    Unregistered Guest

    Angry Ms. Avani Lakhani. Sub: Standard chartered credit card charges late fee and interest --Irresponsible

    Greetings,

    My name is Avani Lakhani & I am an HR professional in one of the leading MNC's. I was an Axis Bank account & credit card holder for almost a year. Later on due to dissatisfaction with the services offered, I walked into my account holding branch and requested for an savings account & credit card account cancellation.

    However I was told that the Credit Card department Manager had quit and thus neither they could process my complaint and nor could process the closure of my account.

    Later on, the case is handed over to Recovery agency for the amount to be recovered on my credit card account which is not actually the amount used by me but only the interest charges levied on me since the bank couldn't manage my requests/complaints.

    Moreover the executives from agency call me and say that the amount is not very great & I shall pay it off threatening me about the consequences. Also, on a day the executive visits my residence in my absence and asks for an amount of Rs. 300/- from my parents threatening them too.

    I am also an account holder with banks like HDFC, HSBC & ICICI wherein I have never encountered such an awful services with either of banks.

    I am hoping that this is taken as my formal complaint and action is taken against Axis Bank.

    Regards,
    Avani Lakhani
    +91 9820224927

  14. #29
    Unregistered Guest

    Default

    I have consumer durable loan from bajaj finance on my wife name . I was not paid the current month EMI due to financial problem.
    I assure them that I will clear all due next month but also the recovery agents are presuuring me for payment.
    My wife is non earning housewife

    Bishwajit
    9748826802

  15. #30
    SANTOSH MATHIAS Guest

    Post Icici bank credit card

    Dear Sir I used to have ICICI Bank Credit card in the year 2006, Which i have utilized, at that time I used to work for ICICI bank in Sales dept, I did'nt realize that after some years i would be facing some problems with the banks [credit card], In the year 2012 I used to get calls from ICICI recovery dept Stating the outstanding & the amount I have to pay which was like abusement , mental torture,.I work in a co-op bank & I am in a Contract Basis, These people who were calling on behalf of ICICI bank started to call at my office as well on my mobile they continued to mental torture me till I have to send a letter from my lawyer to keep them clam dt-29/03/2012 . I started to pay 500/- monthly basis till now but today on 19/11/2013 again the same phone calls started and now they don't want my payment of Rs. 500/- But Rs. 5000/- as a first Installment according to them they think I draw a very good salary compare to their thoughts But My sal is very low So I can only pay the amt from 500-800/- monthly Plz help me out

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