Dear Sir / Madam

I am G.Venkatesan, working with Hyundai Motor India, Chennai. I am having my salary account with ICICI, Nanganallur branch. Based on the transactions, one representative came to my door step and offered me a “ EMI Debit Card “ which the banks offers only for Valuable costumers.
My card number is : 4477 4652 2654 3008.

I called the customer service representative and enquired about this card. They said I can use this card as my salary debit card and need to pay the amount in EMI [ like Rs.4000 / month ] . So I used it in the nearby ATM and withdrew money .

Then I came to know in a week’s time that its not a debit card rather it’s a credit card wherein I should not withdraw money. So I went to the ICICI bank credit card division [ Mount road branch, near anand theatre ]. I met the manager and I told him what has happened and also told him that I don’t need that card any more and I would like to surrender this card immediately.

As I am returning the card within 2 weeks, he asked me to pay the amount withdrawn [ Rs. 12, 000] in three installments. And also he suggested me to pay the last EMI for Rs. 4000 through cheque as a part of their bank’s procedure..
I gave a written request also to him on that day.

After 6 months, I received a call from the customer service agent saying that I ve pay more money even though I ve submitted the card back. I went to the manager again and inquired about the same. He said that somehow they have missed to update the data in their database and as they are moving to the new location [ From mount road to ambattur ], he said they ll update all cases and there after I will not receive any calls or e-mails.

Subsequently, I didn’t receive calls and I came to know that my name has been black listed under CIBIL when I applied for a home loan in
Feb 2009. The bank didn’t send me any alert on this.

But now they claim that I have to pay Rs. 12,000 against my credit card pending payment. [ Please c the mail attached ]. I am very much worried. This is not fair. I ve paid the amount as per the manager said.

1. I ve never changed my mobile number till date.
2. I reside in the same address.
3. Whenever I ve replied to their mails, I was polite and I respected their service [ plz see my attached mail ]
4. Till date my records are very clean.
5. The problem here is, I don’t ve the bills and the final settlement letter which the manager gave me that day. Its been almost 3 yrs and now am not able to find it at home.

I never tried cheating the bank. But now they have placed a debit note in my salary account. It means if my salary gets credit this month, the entire Rs.12,000 amount will get detected. I am paying regular EMI to LIC from that account and I need someone to help me in this issue.

I am very confused and upset. Some one please help me . I would appreciate if I get the justice and I believe the truth ll triumph.

Thanks

Venkatesan G