Dear Sir

I have been having a salary account with the ICICI Bank since 2003. I also have a ICICI Bank Credit Card. I have not used this card for almost 6 months plus now.

I have some payment to this credit card. The bank has placed lien on my salary account because I have not made payment towards my credit card. I have in no way given any written or oral approval for this anytime.

The bank has not given prior intimation about this.

Neither the ICICI Bank credit card department nor the ICICI Bank with whom I have a salary account have communicated to me in any way about the lien. I get all my bank related communication by email, my bank statement as well as credit card statement. The credit card statement for Sep 2009 as on 26th Sep'09 also does not mention anything about the lien.

Does the ICICI Credit Card Dept. have the right to put a lien on my Salary account ?

Does the bank which I have trusted for so many years right in not even notifying me before putting a lien?:D

Please tell me how to proceed.

Thanks

Dear Sir,

Kindly send a written complaint to the Head Office of the Bank, to know about the exact due amount on your credit card account. To reactivate your salary account, you will have to pay the dues to the Bank. While paying any settlement amount to them, pls. don’t forget to take, any full and final settlement note or any receipt showing full and final payment to them. Pls. don’t rely on their verbal assurance to provide you receipt later.

Originally Posted by Tomtom

Dear Sir

I have been having a salary account with the ICICI Bank since 2003. I also have a ICICI Bank Credit Card. I have not used this card for almost 6 months plus now.

I have some payment to this credit card. The bank has placed lien on my salary account because I have not made payment towards my credit card. I have in no way given any written or oral approval for this anytime.

The bank has not given prior intimation about this.

Neither the ICICI Bank credit card department nor the ICICI Bank with whom I have a salary account have communicated to me in any way about the lien. I get all my bank related communication by email, my bank statement as well as credit card statement. The credit card statement for Sep 2009 as on 26th Sep'09 also does not mention anything about the lien.

Does the ICICI Credit Card Dept. have the right to put a lien on my Salary account ?

Does the bank which I have trusted for so many years right in not even notifying me before putting a lien?:D

Please tell me how to proceed.

Thanks

Hello,

Kindly provide your contact details and the account details.

Originally Posted by Tomtom

Dear Sir

I have been having a salary account with the ICICI Bank since 2003. I also have a ICICI Bank Credit Card. I have not used this card for almost 6 months plus now.

I have some payment to this credit card. The bank has placed lien on my salary account because I have not made payment towards my credit card. I have in no way given any written or oral approval for this anytime.

The bank has not given prior intimation about this.

Neither the ICICI Bank credit card department nor the ICICI Bank with whom I have a salary account have communicated to me in any way about the lien. I get all my bank related communication by email, my bank statement as well as credit card statement. The credit card statement for Sep 2009 as on 26th Sep'09 also does not mention anything about the lien.

Does the ICICI Credit Card Dept. have the right to put a lien on my Salary account ?

Does the bank which I have trusted for so many years right in not even notifying me before putting a lien?:D

Please tell me how to proceed.

Thanks

Hi,

We're sorry about the trouble. Please write to us with your contact details and credit card number at care@icicibank.com. We'll contact you and work to address your issue.

Regards,
ICICI Customer Service Team.

This bank works for only who are fraud and not for good people. They give credit cards to everyone in India , even to a begger. These people done pay back their dues. Any way they will not be able to trace them, so they find people like us to get the money rectified.

I had a card which was not in use for the past 1 yr and there was a due of 1000 Rs which i was in Oct 2008. I cleared the Due and asked them to close the card, instead they started charging me late payment fee and other charges. This month today they deducted the total amount of 7400 from my savings bank account. I have never given any instructions about my savings bank account to cerdit cards. But even then they are able to deduct the amount without my knowledge.

Any one help me if i can file a case on ICICI in consumer court on this issue. Also advice me if RBI also suggests the banks to work in this way?

Dear Sir,

To forward your complaint to RBI, you must have the copy of correspondence made with Bank's Head Office. Kindly send your written complaint to the Head Office of the concerned Bank.

Hi,

I have never had ECS with Citibank for my personal loan with them. I did not make the payment for my Citibank personal loan. When I told them to take it from my salary account, they said it is not possible because both my salary account and personal loan account is not linked.

And, suddenly one day they picked up the entire amount from my salary account. All this while, I was talking about all of this to their rep.

I know you've written in past communication that we need a written document but will a recorded call where the rep sounded suprised too that my account has been seized, help?

Please let me know if that is possible. I need to know if there are any rules that prohibit banks from seizing a salary account while I have been talking/ emailing bank reps. about my personal loan. Kindly help.

Hi All,
I have credit carc A/c 5176 5371 4452 0002 and my savings Account No: 016901572888. I have agreed with ICICI on Jul to pay 3106 for 18 months as a part payment for the card settlement. As I had some unexpected medical expenses for my father(heart patient0. I couldnt able to pay the EMI for 3 months .I just payed one month EMI. I accept that it is my duty tp pay it on time.But you have to consider my position to. Now my account is entirely blocked with the Lien balance of 49,000 and change. I have two aged parents to take care. I request you to take those amounts in three settlements.I am ready to repay it in three installments(that too they can take as they did now)...Please do the needful as you have to think about my side too.I have used your card for more than two years.I have paid lot of amount for you as Interest.So please give this last chance to me to pay it in three payments

Originally Posted by advocate

Dear Sir,

Kindly send a written complaint to the Head Office of the Bank, to know about the exact due amount on your credit card account. To reactivate your salary account, you will have to pay the dues to the Bank. While paying any settlement amount to them, pls. don’t forget to take, any full and final settlement note or any receipt showing full and final payment to them. Pls. don’t rely on their verbal assurance to provide you receipt later.

On 25th November 2010, ICICI Bank credit card department has put a lien on my salary account without any intimation.

Due to this all my ECS for personal and home loans has been bounced back and I am facing a huge financial crunch.

Six month prior my credit card on misued worth Rs. 50,000/- using online transaction from cleartrip.com. When I denied the bank claims that customer is liable to pay this a bank is not responsible for the same.

Due to this dispute they have put a lien on my salary account.

Kindly advice how should I take this forward

Contact: 9819580058