ICICI Bank home loan a big careless lot, lost my propery papers
This is a discussion on ICICI Bank home loan a big careless lot, lost my propery papers within the Home Loan forums, part of the Loan category; I took a home loan of Rs. 7.34 lakhs from ICICI Bank in June 2004. My account number was LBDEL00000751198. ...
- 08-13-2010, 02:12 PM #1
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- Aug 2010
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ICICI Bank home loan a big careless lot, lost my propery papers I took a home loan of Rs. 7.34 lakhs from ICICI Bank in June 2004. My account number was LBDEL00000751198. I paid whole loan amount in May 2009. In July 2009, I requested the bank to return my original property documents, but when I visited the branch to collect the papers, they have only photocopies of documents.
Since then I have visited the branch many times, complained on their website and written many mails, but have not got my papers. Bank is unable to trace the papers. Now they are asking me to give the acknowledgement pertaining to the submission of original documents. I have told the name of the person who collected the papers from me (whose signature are there on the Home Loan Document and who visited me several times during processing and disbursement of loan). I have also told them that he did not give me any acknowledgement and I had also not insisted for it presuming that since I got loan and my property is mortgaged with the bank so it is known fact that my paper will be with bank.
I am not aware that to how many costumers bank/its representative i.e., lawyer/DMA or any other, provides acknowledgement for receiving documents. Moreover, if the bank did not have original documents , they never asked me for them during last five-six years. Now since they lost the papers, they want to put blame on me. Not having acknowledgement means, I have not submitted the papers to them. What a joke.
Could you please suggest what should I do. I have visited branch, spoken to costumer care on phone. Complaint on their web site at level 1, level 2 and now at level three also. Should I write to Banking ombudsment, go to consumer court or take legal action against them.
Dr Suresh Kumar
- 08-19-2010, 12:47 PM #2
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Dear Suresh,
We are sorry for the inconvenience that is caused to you. We have made a note of your home loan account number and shall get back in touch with you at the earliest to resolve the matter.
Regards,
ICICI Bank Customer Service Team.
- 08-23-2010, 03:58 PM #3Unregistered Guest
ICICI Home Loan cheeting Name: Alpesh Khakhria
Loan File Number: 61021520
Contact No: 9737041567
Customer Executive has not provided proper guidelines to us at any stage like home insurance(told me about insurance but not clearly how many bugs it will charge etc.., Not intemeated me before debut processing fees cheque as they commited to do the same...and also yet not received proper response... from lower to upper management...
- 08-27-2010, 01:02 PM #4P R BALAJI Guest
Home Loan I had purchased a housing board flat in Chennai from my father in law during Jan 2004 for Rs.6.25 lakhs thru Standard Chartered Bank home loan. My home loan account no. is 42241391.
My father-in-law was working in MTC, Chennai and has lost his job before my marriage due to his indisciplinary action, he has misappropriated Rs. 2 lakhs from the organization and he asked our help in repaying the money and we gave him cash but not sure whether he has repaid to his employer because there is a labour court case pending on his name till date.
After that he wanted to sell his property because he has lost his job and he informed that he need money to survive and to take care of the family. He also insisted my wife (his first daughter) to purchase the same and also informed us that if we purchase the same, he will be satisfied as we had helped him during emergency. As we both (me and wife) were working, we purchased the property through a home loan from SCB, Chennai. Since my father-in-law is an elderly person and I have 2 sister-in-laws who were studying at that time, I allowed my father-in-law to stay at the same property. The documents are in bank and I am paying EMI for almost 7 yrs. Now since the cost has gone up and there is a plan of reconstruction, he has filed a civil case against me and my wife (his own daughter B.Dharini) stating that he never sold the property and he has given documents for mortgage. We have entered appearance in the suit and we are defending the suit properly. We had approached the bank to get themselves impleaded in the suit as Defendant to substantiate the payment of Sale Consideration.
Please advise the way forward.
- 09-08-2010, 11:03 AM #5Unregistered Guest
Supertech Czar suites - a big disappointment We have bought a flat in Czar suits, greater noida bu Supertech builders. We were suppose to get the possession by march 2009 and we are towards the end of 2010 but have no clue on the possession. Moreover, the flat is turned into an disappointment when we realised that out of 1295sm we have got only around 700sm. We have paid 39 laks for the flat. And the celing of the floor is so low that the flat looks even smaller. is there any way we could file a case against them. Kidly help.
- 08-01-2012, 08:41 PM #6narendrarma Guest
icici bank is not return my property papers dear sir
my a/c no 689005111799 shree ram industries at ramganjmandi dist kota (raj) INDIA
I deposite my lone amount dt 10 july 2012 but bank not return my house property
doquments up to today 1Agu 2012
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