I WAS USING ICICI CREDIT CARD TILL FEB 2008. I USED IT FOR 25,000/- IN THE MONTH OF NOVEMBER 2007, THEN I GOT A CALL FROM CHENNAI BACK-END OFFICE OF ICICI ASKING ME TO SET UP EMI's FOR THE PAYMENT OF THIS 25,000/- . I AGREED FOR IT IMMEDIATELY. THE PERSON TOOK MY BANK DETAILS AND TOLD ME THAT THE EMI'S ARE SET UP AND THE MONEY WILL BE DEDUCTED AUTOMATICALLY EVERY MONTH

THEN IN THE MONTH OF JANUARY I STARTED GETTING CALLS FROM THE COLLECTION TEAM STATING THAT MY CREDIT CARD IS OVER DUE, NO PAYMENT IS GONE THROUGH AND IT IS BLOCKED. WHEN I TOLD THE COLLECTION TEAM MEMBER (GERALD RUBAN) THAT THIS PAYMENTS ARE ALREADY DONE BY ECS, HE DENIED THE FACT AND SAID THERE IS NO ECS SET UP. I EXPLAINED HIM WHAT HAD HAPPENED. HE CHECKED THE DETAILS AND CALLED ME AFTER 2 DAYS AND SAID YES THERE IS AN ERROR ON BANKS SIDE SO HE WILL WAIVE OFF AL THE OTHER CHARGES AND I HAVE TO MAKE A PAYMENT OF 25,000/- TO REACTIVATE OR STOP MY CARD. I TOOK A DECISION OF CLOSING THE CARD AFTER MAKING THE PAYMENT. GERALD TOLD ME I CAN MAKE THE PAYMENTS IN 3 INSTALMENTS, BUT I CHOSE TO MAKE IT IN ONE GO IN THE MONTH OF FEBRUARY 2008. AFTER MAKING THE PAYMENT I CALLED HIM BACK AND INFORMED HIM THAT I HAVE MADE THE PAYMENT. HE SAID I WILL GET A LETTER IN 15 DAYS CONFIRMING THAT MY CREDIT CARD I CLOSED.

LATER IN THE MONTH OF SEPTEMBER 2008 WHEN I APPLIED FOR A PERSONAL LOAN IT WAS REJECTED BECAUSE MY NAME WAS LISTED IN CIBIL AS A "DEFAULTER!" I COULD NOT BELIEVE THIS. AND WHEN I WENT TO THE BOMANHALLI MAIN BRANCH (BANGALORE) TO CHECK WHAT HAD HAPPENED THEY SAID THAT I STILL HAVE TO PAY 10,500/- TO CLOSE MY CREDIT CARD. THE SAME AMOUNT WHICH GERALD RUBAN HAD WAIVED OFF. WHEN I HAD AN ARGUMENT WITH ONE OF THE MANAGERS THERE HE TOLD ME THAT HOW MUCH EVER I ARGUE ITS OF NO USE AND I HAVE TO PAY THE AMOUNT OR ELSE I WILL HAVE TO FACE THE CONSEQUENCES!!!!!!

BECAUSE I HAD NO OTHER CHOICE I MADE THE PAYMENT AND GOT A LETTER FROM THE BANK FOR CLOSING THE CREDIT CARD. AFTER I MADE THE PAYMENT THE PERSON WHO GAVE ME THE LETTER TOLD ME THAT IT WAS BANKS MISTAKE AS THERE WAS A COMMUNICATION GAP BETWEEN THE COLLECTION TEAM AND THE CALL CENTRE BECAUSE OF WHICH I HAVE TO PAY 10,500/- EXTRA!!!!!! ISN'T THAT INTERESTING BANKS MISTAKE AND THE CONSUMERS HAVE TO PAY FOR IT.

I WOULD LIKE TO GET A COMPENSATION FOR THE PHYSICAL AND MENTAL STRESS THAT I HAD TO GO THROUGH. THE LOAN I WAS APPLYING WAS FOR MY MARRIAGE, MARRIAGE HAPPENS TO BE THE HAPPIEST MOMENT IN A PERSONS LIFE......BUT I WAS TENSED ALL THE TIME THINKING ABOUT THE MONEY. THE EMBARRASSEMENT THAT I HAD TO GO THROUGH FOR BEING CALLED A "FRAUD"

CAN I GET A COMPENSATION? IS THERE A LAW THAT WILL PREVENT OTHER CONSUMERS FROM SUFFERING THE SAME WAY?

IF YOU NEED ANY CLARIFICATIONS ON THIS ISSUE PLEASE FEEL FREE TO CALL ME ON MY MOBILE NUMBER - 09886020891

I HOPE SOMEONE WILL HELP ME AT-LEAST THIS TIME.