My Name is Abhijit Rudra, I have taken a personal loan from ICICI Bank 2years back and total period of loan is for 3 years (2008-2011). The EMI amount Rs 1962/- get debited from my saving account automatically every month of 6th as ECS. My personal loan details ‘LPPUN00013061486’
In January 2010 I have got a call from ICICI bank that you have insufficient balance at your account so you have to pay the EMI separately by cash or cheque with additional charge of penalty, even I told them there is enough money to deduct, instead of that I have given a separate cheque of Rs 2183/-. Finally in the month of March 2010 I came to know both the money got debited from my account (ECS Rs 1962/- and Cheque Rs 2183/-). When I did follow-up with them they get credited only Rs 1553/- to my account instead of Rs 2183/-. From last couple of weeks I am contacting them for the reason of deducting Rs 600/-. They are not giving me any clear justification of the same, some times saying systems is not working call after few days, some time is saying transaction not update call after few days.
Personally speaking I am completely disappointed with this services. When a customer is unable to pay EMI in time ICICI bank call them day and night and take a penalty charge, but when a bank keeps the extra money from customer I believe they should intimate to their customer and should pay the surplus interest to their customers.

Please let me know if you need any further assistance from my end.

I need a proper justification, why customers should get in trouble always. Customer is GOD always.

Thanks

Abhijit Rudra

Dear Abhijit,

We are the customer service team at ICICI Bank.
We have made a note of your concern as mentioned here. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.

Originally Posted by abhijit.rudra

My Name is Abhijit Rudra, I have taken a personal loan from ICICI Bank 2years back and total period of loan is for 3 years (2008-2011). The EMI amount Rs 1962/- get debited from my saving account automatically every month of 6th as ECS. My personal loan details ‘LPPUN00013061486’
In January 2010 I have got a call from ICICI bank that you have insufficient balance at your account so you have to pay the EMI separately by cash or cheque with additional charge of penalty, even I told them there is enough money to deduct, instead of that I have given a separate cheque of Rs 2183/-. Finally in the month of March 2010 I came to know both the money got debited from my account (ECS Rs 1962/- and Cheque Rs 2183/-). When I did follow-up with them they get credited only Rs 1553/- to my account instead of Rs 2183/-. From last couple of weeks I am contacting them for the reason of deducting Rs 600/-. They are not giving me any clear justification of the same, some times saying systems is not working call after few days, some time is saying transaction not update call after few days.
Personally speaking I am completely disappointed with this services. When a customer is unable to pay EMI in time ICICI bank call them day and night and take a penalty charge, but when a bank keeps the extra money from customer I believe they should intimate to their customer and should pay the surplus interest to their customers.

Please let me know if you need any further assistance from my end.

I need a proper justification, why customers should get in trouble always. Customer is GOD always.

Thanks

Abhijit Rudra