Dear Gayatri,

We're sorry to hear about your experience.

Please write to us with your contact details and credit card number at care@icicibank.com (Subject line: UID 194110). We'll be glad to be of assistance.

Regards,
ICICI Customer Service Team.

Respected Sir,

I am Vasavi holding an ICICI Bank Credit card No: 4076 **** **** 2004.

I stopped Using this card since Dec'2008. And my last payment also in the same month. Unfortunatly, I lost job and didt paid the amount since 12months and i was informed the same when i received a call from the ICICI third party people.

And suddenly I received a call on 28/01/2010 from No : '"9654937287".
Saying that this call is from Delhi Crime Branch and the person who is speaking is DCP. He told me that i made a crime and they have a non-bailable worrent on me and they want to arrest. I was asking that person what was the crime i have done and also told them that I am from a respectable family married and a house wife Whats the crime I have done. But he didt tell me that all this is for a Credit card.

The person also tracked all the Incoming and outgoing numbers of my Reliance GSM mobile number which i was using since past 30days.

And that person also making a drama that I was over used the mobile and reading out all my outgoing calls over speaker phone.

I Again asked that person pls tell me what was the crime I have done.

Then he told me That i have to contact a advocate who put a case on me. And the details of the advocate provided as follows Name: OP SHARMA'' Cell no: 09718087059.

I Have Immediately contacted my Husband and we both had a Tele conversation with the given advocate.

We explained him all the details of the delay.
He told us that as the case went to legal, we have to pay a total amount of Rs. 1,71,000/-.

But, as emergency(to put the case on hold/ to stop the non-bailable worrent to ward u) I have to pay 30% or 40% amount (Rs 42,160/-) Immediately to the given account number. But, we told them that we will deposit to the bank CC a/c.

And that person also given a mail ID: legalbar_del@yahoo.in
Saying to send a scanned copy of the paid receipt to the above provided mail id.

We have immedietly went to bank and Deposited the amount of Rs 42,160/- @ Goregoan (east) Mumbai branch of ICICI Bank.

And also we sent Scanned copy of the receipt to the given mail ID.

After that we again went to ICICi bank @ J B Nagar. And asked for My Credit card details. They provided that i have an outstanding amount of Rs 71000/- and actual card limit is Rs 38000/-.

The Bank Staff also said that it was a fake call , thats may be not from crime branch and all is bull shit.

We are now contacted bank to give the final settlement letter as have have paid a huge amount.

But, Still I & My Husband getting Harassment calls from these numbers 9654937287 & 9718087059.

We are very much unhappy with ICICI Bank recovery cell and with the system what they follow.

I Think this is not the way to recover the amount, Playing unwanted games with the customers of the bank.

As, we have a very much good payback history.

Requesting the forum to help us from this calls.

Regards,
vasaui

Dear Vasaui,

We apologise for the inconvenience caused.

Please write to us with your contact details and credit card number at care@icicibank.com (Subject line: UID 211037). We'll contact you and work to address your issue.

Regards,
ICICI Customer Service Team.

Originally Posted by Vasavi

Respected Sir,

I am Vasavi holding an ICICI Bank Credit card No: 4076 **** **** 2004.

I stopped Using this card since Dec'2008. And my last payment also in the same month. Unfortunatly, I lost job and didt paid the amount since 12months and i was informed the same when i received a call from the ICICI third party people.

And suddenly I received a call on 28/01/2010 from No : '"9654937287".
Saying that this call is from Delhi Crime Branch and the person who is speaking is DCP. He told me that i made a crime and they have a non-bailable worrent on me and they want to arrest. I was asking that person what was the crime i have done and also told them that I am from a respectable family married and a house wife Whats the crime I have done. But he didt tell me that all this is for a Credit card.

The person also tracked all the Incoming and outgoing numbers of my Reliance GSM mobile number which i was using since past 30days.

And that person also making a drama that I was over used the mobile and reading out all my outgoing calls over speaker phone.

I Again asked that person pls tell me what was the crime I have done.

Then he told me That i have to contact a advocate who put a case on me. And the details of the advocate provided as follows Name: OP SHARMA'' Cell no: 09718087059.

I Have Immediately contacted my Husband and we both had a Tele conversation with the given advocate.

We explained him all the details of the delay.
He told us that as the case went to legal, we have to pay a total amount of Rs. 1,71,000/-.

But, as emergency(to put the case on hold/ to stop the non-bailable worrent to ward u) I have to pay 30% or 40% amount (Rs 42,160/-) Immediately to the given account number. But, we told them that we will deposit to the bank CC a/c.

And that person also given a mail ID: legalbar_del@yahoo.in
Saying to send a scanned copy of the paid receipt to the above provided mail id.

We have immedietly went to bank and Deposited the amount of Rs 42,160/- @ Goregoan (east) Mumbai branch of ICICI Bank.

And also we sent Scanned copy of the receipt to the given mail ID.

After that we again went to ICICi bank @ J B Nagar. And asked for My Credit card details. They provided that i have an outstanding amount of Rs 71000/- and actual card limit is Rs 38000/-.

The Bank Staff also said that it was a fake call , thats may be not from crime branch and all is bull shit.

We are now contacted bank to give the final settlement letter as have have paid a huge amount.

But, Still I & My Husband getting Harassment calls from these numbers 9654937287 & 9718087059.

We are very much unhappy with ICICI Bank recovery cell and with the system what they follow.

I Think this is not the way to recover the amount, Playing unwanted games with the customers of the bank.

As, we have a very much good payback history.

Requesting the forum to help us from this calls.

Regards,
vasaui

Dear forum and if ICICI is even bothered listening,

Had a similar incident today as Vasavi had sometime back. Some guy known as Mr. Chaudhary from Rohini Police Station called my family today and started harassing them. Fortunately I had taken an off today so I could speak to this police officer. He said that there has been a non bailable warrant issued against me and that they will visit my new residence of address to take me to the local cops. I wonder how they got my landline number because that was changed last year. After 5 minutes of harassing me he told me to contact Mr. Goyal the advocate who is handling this case. Both the numbers ( Chaudhary - 09654937287, Goyal - 09718087059 with email legalbar_del@yahoo.in).

Called Mr. Goyal and he told me to immediately pay 35600/- to save my living daylight and avoid going to jail. Gave me his email ID and told me send the scanned receipt of the cash as soon as it is done. My family got really scared and especially my ailing mother who infact also a heart patient. I knew by this point of time that something was fishy. But had to deposit the cash knowing that nothing should effect my family because of this issue.

Post the deposit I mailed the scanned copy and Mr. Goyal told me that withdrawal letter to the police station is already done and now there is nothing to worry. Spoke to the so called cop again and he assured that everything is sorted. I called the ICICI helpline and as usual they were of no help to me in this matter but atleast told me that Rohini area in Delhi they have a collection center.

Now I realise all this was fake as I am searching more on the internet and various forums. All I wanted from ICICI was a credit card statement which last came to me on May 2008 and was disputed because I had given a written application at ICICI bank, JM road branch to close the account. And it was not done. Why should I pay the interest when I have had asked the bank to shut the account. Still I would have paid if there was a settlement done on time.

Repeated reminders to ICICI for change of address was all in vain as everytime I would call they would want only money from me.

If ICICI is even listening please stop harassing people because one day someone will have time and energy to take you courts and teach you a piece of advice.

Disgusting ways of recovery by ICICI. I will ensure to the least my near and dear ones completely dislocate any financial interaction with this bank as it embodies the highest level of forgery and disrespect.

I do not have words to describe this experience. All I can say both the recovery agents should be sacked and the process to be rectified and ICICI should to the least write an apology to the consumers.

Someone if listening please please please help all of us already fallen in the trap and other please search the internet before paying ICICI any dues.

Fooled,

Soumik Sarkar

There has always been a standard response from ICICI customer services department about sending an email to care@icicibank.com. Not sure if any action is taken against the recovery agents as the names used by them are fake. There have been repeating instances with many people where agents call people related to the person having bank transactions and harrasse them to recover the amount which would have already been recovered with Interest on interset. It is so inhumane for them to harrase elderly people saying that they are from Police or High Court and that there is a non bailable warrant. If one recovery agency is done, there will be a new agency coming into picture with yet another innovative way to harrasse people. If bank has to do a recovery, they can try agencies one after the other or have proper communication to all the agencies when a payment is made. Looks like Bank is only interested in getting money from people and not really in communicating back to agencies about the payment.

Hi,

We're the Customer Service Team at ICICI Bank and are sorry to hear about your dissatisfaction. Maintaining good corporate governance practices and securing customer trust is important to us.

Also we would like to share that we have a laid down code of conduct for our employees and service providers. We view any violations of our norms seriously and ensure strict actions. Please write to us at care@icicibank.com and share your account and contact details for us to investigate and assist you on your requirement.

Regards,
ICICI Customer Service Team.

Originally Posted by Unregistered

There has always been a standard response from ICICI customer services department about sending an email to care@icicibank.com. Not sure if any action is taken against the recovery agents as the names used by them are fake. There have been repeating instances with many people where agents call people related to the person having bank transactions and harrasse them to recover the amount which would have already been recovered with Interest on interset. It is so inhumane for them to harrase elderly people saying that they are from Police or High Court and that there is a non bailable warrant. If one recovery agency is done, there will be a new agency coming into picture with yet another innovative way to harrasse people. If bank has to do a recovery, they can try agencies one after the other or have proper communication to all the agencies when a payment is made. Looks like Bank is only interested in getting money from people and not really in communicating back to agencies about the payment.

Dear Soumik,

We would like to take this opportunity and assist you resolve the issue.

Please email us with your contact details at care@icicibank.com (Subject line: UID 315814). We'll immediately contact you and work to address your concerns.

Regards,
ICICI Customer Service Team.

Originally Posted by soumik

Dear forum and if ICICI is even bothered listening,

Had a similar incident today as Vasavi had sometime back. Some guy known as Mr. Chaudhary from Rohini Police Station called my family today and started harassing them. Fortunately I had taken an off today so I could speak to this police officer. He said that there has been a non bailable warrant issued against me and that they will visit my new residence of address to take me to the local cops. I wonder how they got my landline number because that was changed last year. After 5 minutes of harassing me he told me to contact Mr. Goyal the advocate who is handling this case. Both the numbers ( Chaudhary - 09654937287, Goyal - 09718087059 with email legalbar_del@yahoo.in).

Called Mr. Goyal and he told me to immediately pay 35600/- to save my living daylight and avoid going to jail. Gave me his email ID and told me send the scanned receipt of the cash as soon as it is done. My family got really scared and especially my ailing mother who infact also a heart patient. I knew by this point of time that something was fishy. But had to deposit the cash knowing that nothing should effect my family because of this issue.

Post the deposit I mailed the scanned copy and Mr. Goyal told me that withdrawal letter to the police station is already done and now there is nothing to worry. Spoke to the so called cop again and he assured that everything is sorted. I called the ICICI helpline and as usual they were of no help to me in this matter but atleast told me that Rohini area in Delhi they have a collection center.

Now I realise all this was fake as I am searching more on the internet and various forums. All I wanted from ICICI was a credit card statement which last came to me on May 2008 and was disputed because I had given a written application at ICICI bank, JM road branch to close the account. And it was not done. Why should I pay the interest when I have had asked the bank to shut the account. Still I would have paid if there was a settlement done on time.

Repeated reminders to ICICI for change of address was all in vain as everytime I would call they would want only money from me.

If ICICI is even listening please stop harassing people because one day someone will have time and energy to take you courts and teach you a piece of advice.

Disgusting ways of recovery by ICICI. I will ensure to the least my near and dear ones completely dislocate any financial interaction with this bank as it embodies the highest level of forgery and disrespect.

I do not have words to describe this experience. All I can say both the recovery agents should be sacked and the process to be rectified and ICICI should to the least write an apology to the consumers.

Someone if listening please please please help all of us already fallen in the trap and other please search the internet before paying ICICI any dues.

Fooled,

Soumik Sarkar

On behalf of all forum memebers i want to ask ICICI care some following questions

1. Do defaulter have a right to ask bank that which recovery agency the bank are using to recover money from him ???
2. Also are these recovery agencies any legit way to recover money by banks in general???
3. Is their any bank phone number/helplines where we can call immediately to address such problems, helplines which are speciifically meant for such matters only ( not general customer care helplines ) ( just in case a recovery person comes to me and ill call ICICI or X bank on the spot to know if he is the right/authorised person i am talking to )
4. If u dont have any such helplines as mentioned above then If recovery agencies are any legit entity authorised to recover payments from defaulter then how come defualter can be sure if they are the right person i am talking to and not buggers with no identity proofs what so ever ( its not a new thing they call saying that either they are a big lawyer or some local policmen with unbailable warrants). Also do ICICI provide any third party authrisation in written to these recovery agencies before hiring them ( which i can ask them to provide before they come to meet me )

awaiting ur detailed response on my 4 above questions.....i would love to see what u have to say, well dont ask me to email u to have an answer in personel ( please provide an answer publically here ).... fortunately even i have received a recovery call from some other bank agents, i am not a defaulter but some how stuck with this problem....best of luck

kind regards

Hi,

I have got a ICICI credit card on 1 jan 2007 with card number .Due to some financial issue I have clear off the due only till march 2009 that time my balance was 67000.Now just 3 months back ICICI agents called up to my home saying that he is calling from police station and there is a theft case on my name.I have got such a bad name that my marraige got cancelled.

I called him up again then he says he is from credit card and asked me to pay 95000,after all talks I have paid 44000 last month. this money I took from someone else to pay them.Now they are calling and saying that pay another 16 thousand else some happen to my brother and they are not responsible.His name from Mohan from ICICI.His Manager name was Sanjay.I hold the previous reciept of 44000. Please advice me what to do?


Thanks
P Kumar

Hi,

I was having a corporate gold card of ICICI Bank since Jul 2007 and till now I have been paying my dues regularly (Even they were Minimum amount payments).

But since last few months I am facing serious financial crisis resulting in irregularities in payments.

On failing, in making payments for consecutive two months in (Nov 09, and Dec 09) ICICI executives called me (ICICI employees not recovery agents) and offered for a "Smart Pay Offer" according to which If I pay a TAD amount of 15% of total outstanding then they will convert my balance due into EMIs and will also block my card permanently.

They decided the due date for that TAD amount as 3rd Jan 2010 and upon failing in making payment by that date this offer will not be applicable and I need to make the payments again at normal rate of interest.

This offer seemed good to me and I asked them to send a letter for this offer and after receiving the letter I will pay the TAD amount and ICICI guys confirmed it.

After this, I have waited for this letter to come but I did not receive this letter till 11th Jan 2010 (The Issuance date on letter was 05/01/10 2 days after TAD due date). Just after receiving the letter I contacted ICICI Bank customer care to confirm if the offer will be valid if I make the payment now and they totally denied and said that offer was valid till 03/01/10 and did not turned up even after I told them the the letter has been issued after TAD due date.

After two months I borrowed some money from my friend and made a payment of 6K for this card (To keep recovery agents away as they were calling me day night with a lot of torture going on).

Two days after making the payment I thought to recharge my cell phone online using credit card using my ICICI Card internet banking service, so logged-in into the website to make the payment and I got a message saying "This service is not available, Please try after some time" and it keeps on repeating even after 24 hours so thought to give a call to ICICI Customer Care center. I was shocked when I came to know that my card has been permanently blocked because I availed the "Smart Pay Offer". I requested for either unblock my card or convert my dues into EMIs as per the Smart Pay Offer, but they shown a very rude behavior and did not entertain any of the requests.

Then again I was on the same platform as before the "Smart Pay Offer" with the difference my card is permanently blocked. Once again I missed the payments and outstanding started soaring and again recovery agents were back in business with their Mumbaiya tone and in Theth Haryanvi.

After getting frustrated I thought to settle all this and started communication with ICICI Custmer Care for settlement.
I started with level 1 (Talked to some Rashmi) and then Level 2 (Email) (Talked to Sathish Rayudu Customer Service manager ICICI Bank Limited) and gone through Level 3(Email) (Talked to Shiva Shankar) but every body is just keeps on repeating

"We understand your concern.

However, we reiterate that confirmation given by the collection department will be final and settlement is not possible on the card account.

We request you to make the complete payment of Rs. 58,812.13 towards the card account to avoid further charges.

Sincerely,

Shiva Shankar
Customer Service Officer
ICICI Bank Limited"

Now again the same goons have started their harassment and do not hesitate in calling on my number, my wife's number and my brother's number any time (Day or night) with their very obscene wordings.


Now, Requesting someone to help me (as I tried everything and even writing to ICICI customer also did not work) please in coming out of this. I have 30K and want a settlement now.

Thanks in advance

Prashant

[This is with reference to fraudulent transaction and false commitment given by your collection agency Ganaraj Services Pune by person Mr. Ganesh. This gentleman has collected a payment of RS. 15000/- from me saying that, it is against the settlement of my credit card account and shall provide me an approval letter within 4-5 days. the card is supposed to be settled for Rs. 45000/- as assured by Ganesh and his sr. Mr. Sanjay Ghule. The purpose of settlement is my critical medical condition. I have undergone CABG (by-pass surgery) and still experiencing unstable health. At present not earning enough even to support my family. The money that was paid as a part of settlement is also borrowed from neighbors. We request you to look into the matter personally and resolve the same asap before it becomes more severe and critical. On approaching your office at Bhandarkar Road, my wife have been ill-treated by one of your officer- Mr. Avadesh Mishra, at Bhandarkar Road office, Pune, which is very sad and disappointing from a renowned bank like ICICI-with Six Sigma implementation. My medical papers are also provided to your officer Avdesh Mishra through an executive from your bank, about a 2 months back. look forward to resolution for the matter of serous concern. I never thought of meeting the instance of CABG whilst at work that has ruined my continuity at work and well being. If required, I can send you the photocopies of my medical reports. card No.: 5176 **** **** 5004

Hi Care,
I have taken loan from ur bank on sep or oct 2007 of 1.4 lacs. I have taken this loan on sake on my friend on my name. But he cheated me.
Hence i feel responsible for this misuse of my name.I paid some emi's on this loan then i had raised reqeuts to change the ECS account but nobody turned up.
Some person name Aditya(09867141646 & 022-42559137) screwing my life saying i dont have self respect and all the stuff and talk some thing in hindi(not giving dhamki all) which i dont understand.
He says he will call to all the emplyees in my company tell them i have taken loan and not paid the emi's. If you bank guys do like that money will come. We need some paitence and time to settle it convinigly. HE is sayign he that he wil talk to my HR and see's me that i will be fired from the company. If i lost the job how could i pay the money?
My parents dont know about this loan and the remaing stuff. He threatens me that he will tell all my neighours in my native place and present address about this loan issue.
I want to settle this amount in some emis but he says 18 emis were pending and need to pay 90,000/- in single shot but u know i earn 35k per month and lots problems how can i pay in single shot.?
I told him this month i will pay 45k as i will ask my friends will give the amount and asked him for some time upto this thrusday but he daily calls and says what happened to he payment.This amount they r also not possible in this short notice and but iam tryign from all possible sources he is not waiting.
Please bank guys look in to this matter tell me a possible soltuion where we both will get benefitted.
One small thing, I have a taken a loan in month oct or nov 2006 or jan 2007 for around 1 lac. After 7 emis i cleared the remaing loan because i got my money from sources and hence i dont require the loan at that time.
I saying i am not a cheater because i have money i repayed ur loan before the tenure only.
But all days will not be same.
I dont have loan no details also.
my details: name: AKHIL PRASAD PITTA,pan no: APPOP9295F. Date of Birth: 01-10-1982
Please help me and save me so as once damage is done we cant look back.
I pay ur loan amount in provieded emi's as u say they r final settlement.
regards,
AkhilPitta

Originally Posted by Unregistered

Hi Care,
I have taken loan from ur bank on sep or oct 2007 of 1.4 lacs. I have taken this loan on sake on my friend on my name. But he cheated me.
Hence i feel responsible for this misuse of my name.I paid some emi's on this loan then i had raised reqeuts to change the ECS account but nobody turned up.
Some person name Aditya(09867141646 & 022-42559137) screwing my life saying i dont have self respect and all the stuff and talk some thing in hindi(not giving dhamki all) which i dont understand.
He says he will call to all the emplyees in my company tell them i have taken loan and not paid the emi's. If you bank guys do like that money will come. We need some paitence and time to settle it convinigly. HE is sayign he that he wil talk to my HR and see's me that i will be fired from the company. If i lost the job how could i pay the money?
My parents dont know about this loan and the remaing stuff. He threatens me that he will tell all my neighours in my native place and present address about this loan issue.
I want to settle this amount in some emis but he says 18 emis were pending and need to pay 90,000/- in single shot but u know i earn 35k per month and lots problems how can i pay in single shot.?
I told him this month i will pay 45k as i will ask my friends will give the amount and asked him for some time upto this thrusday but he daily calls and says what happened to he payment.This amount they r also not possible in this short notice and but iam tryign from all possible sources he is not waiting.
Please bank guys look in to this matter tell me a possible soltuion where we both will get benefitted.
One small thing, I have a taken a loan in month oct or nov 2006 or jan 2007 for around 1 lac. After 7 emis i cleared the remaing loan because i got my money from sources and hence i dont require the loan at that time.
I saying i am not a cheater because i have money i repayed ur loan before the tenure only.
But all days will not be same.
I dont have loan no details also.
my details: name: AKHIL PRASAD PITTA,pan no: APPOP9295F. Date of Birth: 01-10-1982
Please help me and save me so as once damage is done we cant look back.
I pay ur loan amount in provieded emi's as u say they r final settlement.
regards,
AkhilPitta

Hello,

We suggest you to file a police complaint at your nearest police station against recovery agency and recovery agent.

I am specialist in Credit Card disputes and settlement , have resolved more than 1572 cases .Credit card debth will be taken care and highest waiver possible .
Any personal loan issues also do not hesitate to contact me.

You should know your right ,Collection Agents are not supposed to Harass or annoy the defaulters however chronic the default be.

I am trying to help my citizens to fall in trap and thankyou to Consumer Court team for giving me this platform .

Please contact me for immediate resolution for this issue at banklegalexpert@gmail.com

Regards
Akshay