i converted into EMI s long back and they added charges like this for already converted EMI account on 27/4/2010 as below without informing me,my billdate is 18th within a month they generated twice one on 18th and one on 27th
for 18th generated bill i have to pay on may6th , before may 6th they added negative balance in my savings account and that is causing me to not use my saving account,i already have 8k in my account which i need to pay on may6th but they are not deducting and because of negative balance iam not able to pay

i called the customercare no use twice they said ,we cant remove the negative balance

dont understand they are just killing the customers for profits, even i missed few payments due to recession,now i paying with intrest too,without settelling the amount in court or something

Date Ref. Number Transaction Details Transaction Amount
Domestic Transactions
27/04/2010 7/12 EMI Interest - Conversion into EMI 12 Rs. 991.97(DR)
27/04/2010 Orig Amt: 74,228 on 27-09-09 Bal: 33,607 Rs. 0.00(CR)
27/04/2010 7/12 EMI Principal - Conversion into EMI 12 Rs. 6,239.64(DR)
27/04/2010 Service Tax Rs. 102.17(DR)

i wish and pray the god "please do something to close icicibank in india"

according to them actual outstanding on my card is and negative amount showing in my account is around -35000,

Statement Period 19/04/2010 To 04/05/2010
Total Amount Due Rs. 15,761.09

i have written(mails) oral voice discussions recorded with customercare executives
first they said they will remove negative amount if i pay 8k , i dropped in my account,and asked them to deduct from my account , they have not done it and they said we cant , and i cant pay as my account is in negative balance.
as they said they cant and at the same time me too cant pay with out removing negative balance.and without paying they cant remove the negative amount...showing this as reason can i stop paying ? can any stop intrest charges they charge?latepayment fees? and so..on

am not saying icici is a bad bank because its a payment time,,,am saying it is a bad bank even to when i am ready to pay

even i cant get help from law or something, atleast i can educate one person on icicibank mental torture account tortures,after reading this forum i understood how bad the icici bank and services,

by this torture i felt like a i will do something to stop their operations in india legally but i know i cant,even i cant do that i can educate my friends and hence i cant atleast stop 10customers to know about thier services,

i refer this forum to know more about icici bank bad experiances,thanks to forum,help if i can do something

Hi MSuresh,

We are the customer service team at ICICI Bank and are sorry to hear about your experience. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Bank Customer Service Team.

After yhe above conversation the the executive from icici bank has contacted me by mail and in mail he said that bank will activate my card only if i pay total amount, they removed attachment of -(minus)amount on my creditcard bill) on my saving account

now i paid almost the total amount and i stopped last EMI and asked them to activate my card as he said in mail and i will pay remaining..

then the bank executives are saying i have to pay and they will never activate my card

can i do something on this?
but many dont trust if icici bank if says they will activate your credit card if you pay the total ,better go for settelement( for 1 lac 20k settlement one of my friend has done that, i need credit card and i trusted the bank executive email.icici is not "kayal aapaka bank" for me )

i contacted today them once again on mail..i will post what they are saying now