Originally Posted by Marylou

Sir/Madam,

This is to lodge a complaint against ICICI Bank Credit Card Department who has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication (via email, phone call and hard copy letter).

Due to this I have cheque bounces on my account. When I enquired about this they talked very arrongantly and said that they have authority to do whatever they want on our savings bank.

I have 2 credit cards from ICICI against which ICICI are showing a balance of Rs 39311.90 & Rs 64745.41.

Transactions against each of the cards have last been made in Oct 07. Thereafter I have been making the regular monthly payments of Rs 1500/- and Rs 2500/- per month.

Credit Card No. 5176 5371 2700 6003
Rs 1500/- X 22 = Rs 33000/-
Credit Card No. 5176 5338 5252 9004
Rs 2500/- X 22 = Rs 55000/-

These above payments have been made only towards the interest amount, which the bank has recovered.

Last month there was a cheque bounce against the credit card payment, due to which they have put a lien on my savings account.

As mentioned above, this has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication (via email, phone call and hard copy letter).

I was not at all contacted either by Credit Card Dept or Recovery Dept.They are insisting that only after I make a payment of 11000/-, will they release the lien.

ICICI Bank Savings Account is my salary account and it is connected for ECS for my personal Loan Accounts. Because of this all my cheques are bouncing.

Particularly look for answers to the following queries from my side:


1. Why wasn't I contacted about details regarding the case, during the case investigations at all?
2. Why was I not informed about the one sided decision taken by the bank?

ICICI Bank Savings A/c No: 001101557246 Mumbai


How can credit card department put amount from my saving account on lien for recovery without informing me/ my authorization?

I would like to lodge a case against ICICI Bank. Also, please remove the lien on my saving's account at the earliest.

I request you to please contact ICICI bank and remove lien on my savings account.

The persons contacting me in this regard are :
Mr Dinesh Deshpande - Collection Manager
Mr Rahul - Collection Manager
Mr Suchit Dhanawade - Collection Executive

ICICI Bank Ltd
RPG Towers, 3rd Flr, J B Nagar, Andheri Kurla Road, Opp Kohinoor Hotel, Andheri (E)

Looking forward to an early and favorable action from your side.

Regards
Marylou

Dear Marylou,

We're sorry to hear about your experience. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.

This is to lodge a complaint against ICICI Bank Credit Card Department who has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication (via email, phone call and hard copy letter).

I came to know about the debited amount only when I went to withdraw the money from an ATM in Goa on 01st Jan 2010 evening as I had to settle a few bill payments in Goa . Imagine my shock when I realized that there was no money in my account. I was stranded in goa for 4 days while I tried alternative methods for arranging money while all the time trying to get in touch with ICICI bank.

I have cheque bounce on my account. I tried calling them for over an hour and after explaining my problem every time to four different agents and one manager they gave the pretext of transferring my call and then disconnected it. When I enquired about this they spoke very arrogantly and said that they have authority to do whatever they want on our savings bank. I also asked them to register this as a complaint with them which they refused point blank.

I have 1 credit card from ICICI against which ICICI savings account is showing a balance of Rs 0 right now.

My Credit Card No. xxxx xxxx xxxx 9004

In the beginning when icici agents were calling for settlement they told me that I could pay the minimum amount and then they would come the next day and settle the whole card payment Minus the amount that I paid. Based on agents advice I made the minimum amount payment and then waited for the agent to come and meet me. I gave him an appointment timing and venue also. But the agent who was only interested in minimum amount did not show up. Now come the next month, on the closing of the month another agent called and he had the same story, and ofcourse trusting the agent I paid and waited for him to show up. I think I have to mention the fact that he did not show up because he was in town (south Mumbai) and he was busy, atleast this is what he told me when I called him from the meeting venue. This happened two more times…after which I refused to take your agents calls for minimum amount and asked them to meet me directly for settlement. This request I have been giving for quite some time now.

Then on 24th of December 2009 they have debited my savings account (028101005273) with Rs. 71370.61 (seventy one thousand three hundred seventy rupees and sixty one paisa).

As mentioned above, this has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication (via email, phone call and hard copy letter).

I was not at all contacted either by Credit Card Dept or Recovery Dept. Infact when I wrote to the customer care department they have send me a reply with a copy paste of credit card agreement. They are now insisting that only after I make a payment of the outstanding amount. I also wrote my number in the email that I send them, till date there has been no call from them about my troubles.

ICICI Bank Savings Account is connected for my car Loan Account. Because of this all my cheques are bouncing.

Particularly look for answers to the following queries from my side:


1. Why wasn't I contacted about details regarding the case, during the case investigations at all?
2. Why was I not informed about the one sided decision taken by the bank?

I would also want to know on what basis you have debited the amount when there is no auto debit facility with my account

My ICICI Bank Savings A/c No: 028101005273 Mumbai

How can credit card department put amount from my saving account on lien for recovery without informing me/ my authorization?

I would like to lodge a case against ICICI Bank.

I request you to please contact ICICI bank and remove lien on my savings account.

Looking forward to an early and favorable action from your side.

Warm regards

Prasad

9833462646

Originally Posted by Unregistered

This is to lodge a complaint against ICICI Bank Credit Card Department who has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication (via email, phone call and hard copy letter).

I came to know about the debited amount only when I went to withdraw the money from an ATM in Goa on 01st Jan 2010 evening as I had to settle a few bill payments in Goa . Imagine my shock when I realized that there was no money in my account. I was stranded in goa for 4 days while I tried alternative methods for arranging money while all the time trying to get in touch with ICICI bank.

I have cheque bounce on my account. I tried calling them for over an hour and after explaining my problem every time to four different agents and one manager they gave the pretext of transferring my call and then disconnected it. When I enquired about this they spoke very arrogantly and said that they have authority to do whatever they want on our savings bank. I also asked them to register this as a complaint with them which they refused point blank.

I have 1 credit card from ICICI against which ICICI savings account is showing a balance of Rs 0 right now.

My Credit Card No. xxxx xxxx xxxx 9004

In the beginning when icici agents were calling for settlement they told me that I could pay the minimum amount and then they would come the next day and settle the whole card payment Minus the amount that I paid. Based on agents advice I made the minimum amount payment and then waited for the agent to come and meet me. I gave him an appointment timing and venue also. But the agent who was only interested in minimum amount did not show up. Now come the next month, on the closing of the month another agent called and he had the same story, and ofcourse trusting the agent I paid and waited for him to show up. I think I have to mention the fact that he did not show up because he was in town (south Mumbai) and he was busy, atleast this is what he told me when I called him from the meeting venue. This happened two more times…after which I refused to take your agents calls for minimum amount and asked them to meet me directly for settlement. This request I have been giving for quite some time now.

Then on 24th of December 2009 they have debited my savings account (028101005273) with Rs. 71370.61 (seventy one thousand three hundred seventy rupees and sixty one paisa).

As mentioned above, this has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication (via email, phone call and hard copy letter).

I was not at all contacted either by Credit Card Dept or Recovery Dept. Infact when I wrote to the customer care department they have send me a reply with a copy paste of credit card agreement. They are now insisting that only after I make a payment of the outstanding amount. I also wrote my number in the email that I send them, till date there has been no call from them about my troubles.

ICICI Bank Savings Account is connected for my car Loan Account. Because of this all my cheques are bouncing.

Particularly look for answers to the following queries from my side:


1. Why wasn't I contacted about details regarding the case, during the case investigations at all?
2. Why was I not informed about the one sided decision taken by the bank?

I would also want to know on what basis you have debited the amount when there is no auto debit facility with my account

My ICICI Bank Savings A/c No: 028101005273 Mumbai

How can credit card department put amount from my saving account on lien for recovery without informing me/ my authorization?

I would like to lodge a case against ICICI Bank.

I request you to please contact ICICI bank and remove lien on my savings account.

Looking forward to an early and favorable action from your side.

Warm regards

Prasad

9833462646

Dear Prasad,

We're sorry to hear about your experience.
We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.

Sir/Madam,

This is to lodge a complaint against ICICI Bank Credit Card Department who has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication (via email, phone call and hard copy letter).

When I enquired about this they talked very easily said that they have authority to do so. When I have asked for a settlement on my card they told I have to pay an amount of 24,000 againt my outstanding of 17204/- why?????. My account is blocked today.

I was not at all contacted either by Credit Card Dept or Recovery Dept. Now they are telling that they'll not remove the blocking until unless I pay the total outstanding.

particularly look for answers to the following queries from my side:


1. Why wasn't I contacted about details regarding the case, during the case investigations at all?
2. Why was I not informed about the one sided decision taken by the bank?

Credit Card No: 4477 4681 8982 8002
Name : Saloni Sharma
ICICI Bank Savings A/c No: 002901501410, Greater Kailash, New Delhi


How can credit card department put amount from my saving account on lien for recovery without informing me and after my continues call to customer care to solve the dispute on my credit card payment?

I would like to lodge a case against ICICI Bank. Also, please remove the lien on my saving's account at the earliest.


I request you to please contact ICICI bank and remove lien on my savings account.


Looking forward to an early and favorable action from your side.

Originally Posted by Unregistered

Sir/Madam,

This is to lodge a complaint against ICICI Bank Credit Card Department who has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication (via email, phone call and hard copy letter).

When I enquired about this they talked very easily said that they have authority to do so. When I have asked for a settlement on my card they told I have to pay an amount of 24,000 againt my outstanding of 17204/- why?????. My account is blocked today.

I was not at all contacted either by Credit Card Dept or Recovery Dept. Now they are telling that they'll not remove the blocking until unless I pay the total outstanding.

particularly look for answers to the following queries from my side:


1. Why wasn't I contacted about details regarding the case, during the case investigations at all?
2. Why was I not informed about the one sided decision taken by the bank?

Credit Card No: 4477 4681 8982 8002
Name : Saloni Sharma
ICICI Bank Savings A/c No: 002901501410, Greater Kailash, New Delhi


How can credit card department put amount from my saving account on lien for recovery without informing me and after my continues call to customer care to solve the dispute on my credit card payment?

I would like to lodge a case against ICICI Bank. Also, please remove the lien on my saving's account at the earliest.


I request you to please contact ICICI bank and remove lien on my savings account.


Looking forward to an early and favorable action from your side.

Dear Saloni,

We're sorry to hear about your experience.
We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.

Dear Sir/Madam,

This is to lodge a complaint against ICICI Bank (Savings Salary Bank A/C & Credit Card Department) who has illegally withdrawn Rs. 45548=00 amount from my Salary account & again now debited Rs. 18000+ against remaining outstanding. I have never asked or given any consent to the bank for auto debit. I would like to inform you that prior to this no communication in the form of letter, e-mail have been sent by ICICI.

Due to this I have cheque bounces on my account. When I enquired about this they talked very arrogantly and said that they have authority to do whatever they want on our savings bank.

I stopped repayment since July-2009. Since then ICICI Bank recovery agents have been manhandled, harassed and humiliated me a lot so far & I was very much depressed and I had almost decided to commit suicide due to ICICI bank recovery agents torturing in jobless zero earning, mentally shocked & disturbed period. Repeatedly I informed to ICIC bank that I'm in a big financial trouble & I have to take care of my family as well.

The ICICI Bank credit card has been used by my previous employer for his personal & business purchases on promise that he will clear off credit dues the moment I received statement. I left the job due to nonpayment of my salary. Neither he paid my salary not credit card dues since December 2008 (almost last 1 year not received a single rupees from my previous employer Mr. S. S. Patil – owner of Silicon Mountains India Ltd. And he can be reached on his cell no. +91 9552445544 - . I’m in a continuous talk with him about the settlement of dues and I hope it will get settle by March-2009. The same I’ve informed to ICICI bank over phone & emails & sent message with their recovery agents as well that I will clear all dues by March-2009, till then I requested them to cooperate with me. As usual I have not received any reply to my mails. Even though one of area collection manager agreed & offered me to make settlement of my credit card account just in Rs. 15,000=00 cash but then after he never turned up along with the valid settlement papers.

I am thankful to the Reserve Bank of India for issuing guidelines to the banks in the matter of recovery of amount from credit card holders, who were being manhandled, harassed and humiliated in the past by the recovery agents resulting in suicidal steps by the sufferers as per news items appeared in the newspapers from time to time. In fact the consumer courts have also imposed fines on such financial institutions in its several judgments for harassing and torturing the innocent credit card holders.

Credti Card No. : 4477478113991008

I request you to kindly help me in this regard as I have lots of liabilities on my head & lots of commitments to my family and friends.

I am sure justice is possible with your kind intervention as victimization on the part of ICICI Bank is apparently there.

Your earliest response would be highly appreciated.

Thanks & Regards,
Lekchand Mantri
+91 9579615561.

Hi,

This is to bring to you notice that ICICI Bank credit Card department has auto debited my Salary Account. I had an outstanding of 72120/-. Last month I was not able to make payment, In Jan I Did and Yes my minimum pending accumulated to 3 months (Fault at my end). But debiting the minimum payment due was acceptable but debiting the entire amount is not. Luckily I did not had any balance left so my account went into negative.


Request to you look into it. Atleast Bank should inform that this would happen if we do not make payment and even if they did it, yes its the banks money which has not been returned but it should be till minimum payment not made.

My Card No is : 4477 4782 5153 7001

My Account has already gone into negative and I have stopped all the payment that had to hit my account. Request you to please look into the matter and get it sorted. I have no intension of not making Payment. But currently I cant bear the entire payment to be made.


Warm Regards
Amit

This is an excerpt from RBI Website-----


v. Lien


Banks have a right to exercise lien under section 171 of the Indian Contract Act against the dues from constituents/customers. However, the banks cannot exercise lien over the personal account of a customer on the ground that money was due to the bank in another account where he acts in a different capacity, if there is no agreement to that effect.