Dear Sir,

I have issue with ICICI Bank Limited regarding home loan.



1. ICICI Home Loan amount was sanctioned to me is Rs. 8,71,423.00 and
Home Loan amount disbursed to you is Rs. 8,47,423.00.



2. due to bounces in the Equated Monthly Installment[EMI] Rs. 24000.00
was not disbursed to me and Home Loan amount was downsized to Rs.
8,47,423.00.



3. ICICI have charged the insurance Premium on total Home Loan amount
of Rs. 8,71,423.00 and there was a excess premium charged on
non-disbursed Home Loan amount of Rs. 24000.00.



Summery of Issue- ICICI has charged extra amount in premium.



Till yet ICICI has not disclosed this issue to me,

When I had make lot of effort then ICICI is agree that they have charged
extra.

But ICICI is not ready to give me that amount.



Please kindly support me,

Details of Home Loan A/C no. - LBCHD00001568286



Regards

Dron Rathore

9823347170

ICICI Bank Home loan A/c LBPUN00001269912. I took a home loan in 2006.When I went to close the loan I was told I need to make prepayment penalty of 2.21% of principal outstanding. On going through the loan agreement I found that there is no mention of the prepayment penalty @ 2.21%. But there is a clause that says ICICI can at its sole discretion can decide on the amount of prepayment penalty This is not valid as per Indian Contract Act, which requires that the material details having substantial impact should be explicitly mentioned in the agreement.
I had complained to ICICI Pune Branch Manager on 20-May-09 , but no resolution , he mentioned that I need to pay the prepayment penalty. I had to pay Rs46,247.43 as prepayment penalty , which has bee wrongly charged from me.
I want a refund of the Rs46,247.43 of prepayment penalty , which has bee wrongly charged from me.

You are not alone dear we also face the same problem, I do not know how the people still go to them, I fased the problem Regarding the double amount of EMI being deducted for loan account number LBCHD00001374110 of ICICI Bank Home Loan Division. 1. Excess (double) amount has been deducted (Rs.21811/- per month) instead of Rs.11000/- in the month of March, April & June'2009 without my consent. 2. I had given a request to ICICI Bank to reduce the EMI amount to Rs.11000/- in March'09 itself but it did not happen. Thay are not ready to rectify their mistakes. 3. On 2nd June'09 I have received a mail confirmation from ICICI bank customer service team (Ms.Chandrika Naidu) mentioning that double deduction will not happen in future but the same has happened in June'09 also.
DamageOccured 1. Mental Harassment: after repeated follow ups with bank nothing has happened. 2. Monetary liquidity crunch: My Bank balance has come down just Rs.10050/- because of excess deduction of approx.Rs.33000/-. It should have been Rs.43000/- 3. My daughter's school fee is pending for quarter 3(july to Sep'09) = Rs.6000/- due on 15th June'09. 4. My Housing society maintenance bill Rs.5800/- is due in June'09. I'm unable to fulfill my other financial obligations like credit card bill of Rs.10,000/- due on 4th July'09 and debts to be paid. This has put me in a bad position within my family and society leading to great humiliation and harassment.
Required Relief 1. A complete refund of excess money (Approx Rs.33000/-) deducted during March, April & June'09 to my account. 2. A penalty of minimum Rs.2 lacs to be levied on ICICI bank home loan division so that they should not repeat the same mistakes in future.

Originally Posted by Unregistered

ICICI Bank Home loan A/c LBPUN00001269912. I took a home loan in 2006.When I went to close the loan I was told I need to make prepayment penalty of 2.21% of principal outstanding. On going through the loan agreement I found that there is no mention of the prepayment penalty @ 2.21%. But there is a clause that says ICICI can at its sole discretion can decide on the amount of prepayment penalty This is not valid as per Indian Contract Act, which requires that the material details having substantial impact should be explicitly mentioned in the agreement.
I had complained to ICICI Pune Branch Manager on 20-May-09 , but no resolution , he mentioned that I need to pay the prepayment penalty. I had to pay Rs46,247.43 as prepayment penalty , which has bee wrongly charged from me.
I want a refund of the Rs46,247.43 of prepayment penalty , which has bee wrongly charged from me.

This is because regulators are hand in glove. PLR is nothing but figment of imagination or a tool to fool customers. New customers are conned by increasing discount from PLR. It is mockery of justice and fair play. A customer deserved highest rating but once conned he is no more important. Benchmarked PLR is benchmarked to level of greed or level of cheating. On top of that there is RBI and Ministry of Finance and Ministry of Consumer Affairs and Ministry of Ministry.....that prepayment penalty is charged for transfer of loan. Why a borrower goes through the pains of transfer if he/she is continued to be treated as valued customer.....if he is being forced to transfer due to fradulent methods of extracting higher rate of interest than the market just because he trusted financial institutions. This is abysmal failure of entire regulatory mechanism.

Dear Sir,
I had taken a home loan of Rs 8 lakhs from ICICI in 2005 for purchase of a dwelling
unit @8.25% floating ROI.
DESPITE MY REPEATED REQUESTS to the bank to change the ROI to fixed , no action has
been taken by the bank so far deliberately to charge high ROI thus get benefitted in
the bargain. Ihad also requested the bank to allow me to refund the loan amount
partially but no reply has been received from the bank. My personal visit to the
office in Pune has also not brought any fruitful results.
The detais of loan are as under:-
(a) Application number 7772452587
(b)Agreement number LBPUN00000766832
(c) Branch Pune
you are requested to direct the bank to take immediate action on my requests and
inform be about the outcome.

Yours Sinerely,
Jay Prakash Tiwari

Originally Posted by Jay Prakash Tiwari

Dear Sir,
I had taken a home loan of Rs 8 lakhs from ICICI in 2005 for purchase of a dwelling
unit @8.25% floating ROI.
DESPITE MY REPEATED REQUESTS to the bank to change the ROI to fixed , no action has
been taken by the bank so far deliberately to charge high ROI thus get benefitted in
the bargain. Ihad also requested the bank to allow me to refund the loan amount
partially but no reply has been received from the bank. My personal visit to the
office in Pune has also not brought any fruitful results.
The detais of loan are as under:-
(a) Application number 7772452587
(b)Agreement number LBPUN00000766832
(c) Branch Pune
you are requested to direct the bank to take immediate action on my requests and
inform be about the outcome.

Yours Sinerely,
Jay Prakash Tiwari

Dear Jay,

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.

wait fro the response of customer care and thereafter keep on senidng the reminders to make your records pucca for times of need

Respected Sir,
I have already paid my all houseing loan instalment on time,my houseing loan no - LBSRA00000350128
eventhough i am not getting my doucment (housing paper) back,i spoke bank officer satara branch & according to them i am not cleared the checks on time but so far i given 12 checks per year is adavance to icici bank to clear my instalment due to their negligiance they submitted the checks after the due date (which is not my fault) now they wanted to pay due checks bounce charges from me,which is not fair for furthur transactions,i am not agree to pay the remaining dues,so please help me to get back my document as soon as possible.
I am waiting for your positive reply.

Thanking you.

Best Regards.
Rafiq Shaikh
rafiq.shaikh1967@gmail.com
F-3,Guruprasad residencey,
shivam coloney,shukruwar peth,satara (Maharashtra)

Hi,

I have a Housing Loan from ICICI Bank, Noida. I wish to foreclose my loan and I asked ICICI whether they would charge me the pre-payment charges or not. The response I got was "As discussed, we wish to inform you that foreclosure charges are applicable at the time of foreclosure of every facility account. Levy of foreclosure charges is a standard industry practice. We, also, wish to state that foreclosure charges are mentioned in the sanction letter and agreement which has been duly authenticated by you". This is against the Press Notification released by RBI on 06.09.11 (rbi.org.in/scripts/FAQView.aspx?Id=77). Please refer point no.10 which

Anyone who can guide me the next steps to handle this please????

Regards

Ejaz

I booked Honda Jazz Select (UBT color) on 1st week of Sept 2011 and dealer name is Deccan Honda Pune. At the time of booking, sales person told me that, the car will be delivered on Durga Puja (Navaratra) after some days another sales person told me sorry sir! We can’t give the car on Navaratra (Durga Puja) we will be delivered on 22nd OCT 2011 (Diwalli). Now they are saying we can’t delivered the car as Honda not providing the car to us, you can take your booking amount back. Then I tried to talk with Area Manager of Honda who is dealing with Deccan Honda Dealer, now Honda Area Manager saying that, the dealer was given wrong deliver date but dealer saying that Honda was given date earlier now they are unable to give car to us. It looks like blame game is going in between Dealer and Honda but I am not getting any benefit on it even if I am paying booking amount Fifty thousand rupees.
It is really frustrated to me after waiting more than 1 month then the dealer saying that they don't know the deliver date and unable to provide. This really stupid kind of thing if Honda doesn’t have production capability and deliver the car on date to customer then why the dealer is taking booking amount and given wrong date to customer. Now dealer also doesn’t know when they can give the car even if Honda Area sale manager of Pune , he doesn’t know when he could deliver the car to customer. It has been causing extreme mental agony and depression to me. Till now I don’t know when I will get my car but I saw in internet one person booked car on 31stAugest with same Dealer same branch and he got his car on 16th Oct. I don’t know to whom I will be believed dealer / Honda ?