Honorable court
I have a loan account with ICICI bank.It was told 10-11% but was done on 14% also they have done a home insurance policy of Rs 1 lac and a mediclaim policy.before this loan was done one other loan I have asked the bank which was never dispersed but the bank started taking the EMI and after so many complaints they stopped it . and for returning my amount i had again complaint so many times to the bank. then they returned 2 cheques after 3 years without interest and full payment. they had taken approx 90000/- but returned approx 60000/-.

The complaint regarding the present loan is that after I came to know the %age I stopped paying EMI and regularly talked to the bank. some of the banks executive came and told that pay the EMI and they will resolve the problem and some came and gone listening only. I have paid some EMI. befors dispersing teh loan they told the EMI will be 36000 but it is 44000/-. I have then mailed Ms. Chanda kochhar(CEO, ICICI bank) about this all. then she appointed 2 person for solving it. I am ready for settlement they came and talked and asked for the proposal for settlement. I have mailed them proposal a month ago but still got no response instead I have got a notice from the DM for the possession of the house.one hand bank is talking to me and other hand they are sending notice to me. also for settlement bank is asking me much amount then actual.I want to go for settlement kindly help me resolving it all.The details of my loan accounts and one of the mail I send to the CEO is below.This is my request to help me in this.

Thanks
Raj suryavanshi
9999996296
suryavanshi_09@yahoo.co.in




Dear
Chanda Kochhar
M.D & C.E.O
ICICI BANK

I have mailed many times on customer care regarding the same matter of my home loan but have got no response.so now I am writting and requesting you to kindly solve the matter otherwise I am having no other way than the courts.
"Name: Rajkumar Suryavanshi
Product: Loan Account
Account No: LBDEL00001659282
Application No: 7777244722
E-mail address: suryavanshi_09@yahoo.co.in
Mobile no: 9899669996
9999996296
:9999996298
Details of complaint: i applied for homeloan of Rs.30lac ageinst 1163,sector-45 gurgoan in oct.2007 and that was approved on oct.31,2007. i have paid an advanced Banker's cheque no.026112008636 amounting Rs 30,921.00 dated 20-nov-2007 kotak mahindra bank, but the loan has notbeen disperesed till date but the bank had started collecting an EMI of Rs 30,921.00 from my kotak mahindra bank account.after that i called upon in your bank to either stop EMI or disperse the cheque, but i hav got no response till date.Then I requested my kotak bank authorities to stop the EMI.After that your bank useto call me for the EMI causing a problem to me.I have even paid all my processing fee, but the bank still calls me even the loan has not been dispersed.Although i am a previlleged customer of your bank yet the bank authorities are not paying any attention to me."

Then I asked the bank to pay that amount within 15 days. after that i got a cheque of Rs 30498/- only on sept-9-2008 that was not even one EMI of the amount.The EMI was 30918/- Rs and the bank collected 2 EMIs and an advanced DD from my kotak mahindra bank account and processing fee for the loan.
Now my issue is that why the rest of the amount has not been paid till date and also no one has inquired or told about this.Has the bank cleared this at his own without notifying me.
And the other issue is after that I applied for another home loan in aug-08
loan agreement no : NHGUR00000746791
DATE of loan agreement : 30-8-2008
Amount sanctioned : 3597020/- Rs
Property address : 1163, sec 45
at the time of application I was told that the interest will be 11-12%.I was not given any offer letter before dispersement and after dispersement i got a letter in which the interest rate was 14%. then we called up the executives they said they will lower the rate of interest. but it was the same. the we have not paid the EMI again the bankers came they told us the same to lower the rate,just pay the due EMIs,we paid for that. again next month the rate was same we again stopped the EMI the again the banker came repeating and telling the same.still the rate is same and we have not paid 10-11 EMIs. the bankers use to come and we use to tell the same issue to them they all says that they will look into the matter but next time some other person use to come.and my issue remains the same.Now I want the bank to look into the matter and solve it.
and also i want to fully settle the loan,someone responsible should come to talk.I am not interested in continuing my relationship with your bank.otherwise i will go to courts for selllement

Regards
Raj Suryavanshi