Respected Sir/ Madam

This is to inform you that I,Biswamoy Mukherjee had one ICICI Bank credit card (No. 3770 413112 08002).
I had paid my credit card dues regularly within due date in all these years. In the middle of 2008, one of the executives of this Bank informed me over phone that after verifying my good credit record they were offering me one pre-approved cash offer (Rs.1,95,000) over and above credit card limit against this above mentioned credit card and he had also informed me that no need to submit any paper or documents for this loan, just you tell me "YES" so that we can send demand draft within three working days. At that time my mother was very serious so I had accepted this loan. After receiving this loan(Loan account no. 9401 2700 9497 5005 ) I had paid EMI regularly as fixed by
this above mentioned Bank.

It is to inform you that I am working in one of the media agencies since 1987 but my company has been sick
since August 2009 and so that I could not manage to give monthly installment since August 2009.During this period
several threatening phone calls received by me from this bank and also some of their agency people
threatened me in my house as well as my office. On 15/04/2010 one phone call was received by me and thecaller introduced me (Mr. Pradyut ,Telephone No.44026665 and mobile no.9830553707 of ICICI Bank, 2B,Shambhunath Pandit Street) over phone that I should settle the payment with the Bank but he told me some huge amount which I could not afford this because of my severe financial condition and I had requested him to reduce this amount for this settlement. After that he used some bad languages against me and gave me one mobile no.(9830948343, Person Name is Soubhik Chowdhury) for further query. When I contacted this person and requested him for reducing some money for this credit card settlement because of my pathetic financial condition and also requested him if needed he can enquire my office about my salary and financial condition of our office then he threatened me with some abusive languages and told me if I did not pay total dues amount within this month then he would send some goondas in my house for recovery of this dues and put me into the jail.After hearing this abusive languages I fell sick. Next day same man called me around 1530 hrs and my wife picked up the phone and again he shouted and threatened my wife also with some abusive languages.

Two days later one Mr.Tarun Mondal called me and first he informed me Rs.50,000 for the settlement
amount but that time I requested him I will be able to giving this amount for two installments. Next day he
again rang me and informed me that if I will agree to pay for one installment then he can reduced the settlement amount of Rs.40,000. After I agreed to pay Rs.40,000 on one installment then I asked him to send someone to collect money with settlement letter but he informed me that as per the ICICI Bank rules first I have to deposit the settlement amount in any of the ICICI branches then the Bank would issue settlement letter and NOC certificates.
Several times I had requested him for any of the documents of the Settlement letter but he told me the same ICICI Bank rules which is not compared to any of the Bank within India.

After several conversations, he sent me one E-mail on 24/04/2010and told me that settlement amount must
be paid on that day itself.After receiving this Email I had confirmed him and asked him why he mentioned
"Dummy Private & Confidential" in the subject line. He informed me that after depositing the settlement
amount I will receive the print copy of settlement letter from ICICI bank within two days.As per his request, I had deposited the settlement amount of Rs.40,000 to the Nager Bazaar branch of ICICI Bank on that day itself
(24/04/2010).But two days later when I asked that person( Mr.Tarun Monadal) for settlement letter and NOC then he told me I can ask this issue to the ICICI Bank authorities and then he switched off the mobile.I am forwarding
this e-mail which I received from one of the executives of ICICI Bank, 2B,Shambhunath Pandit Street) Mr. Tarun Mondal with this mail for your kind perusal.

Now everyday several phone calld received by me from that ICICI Bank, 2B,Shambhunath Pandit Street and sometimes the caller was threatening me either with some abusive languages or threatening me to take to the court if I do not settle the dues. So,my question is why I should settle my credit card dues two times?

I do hereby humble request you to enquire into the matter and arrange me original settlement letter with
NOC from this above mentioned Bank and am also requesting you to take stringent action against this type
of man who has recruited by the agency through this Bank to cheat and harassing innocent customer like me.

Hope, you would do the needful at your end.


Thanking you.


Date:21/01/2011
Yours faithfully

Biswamoy Mukherjee

Ashirbad Apartment,

Flat No:- 4L,

10,Jessore Road,Dumdum,

Kolkata-700028.


Mobile:9830085798

--------- Forwarded message ----------
From: Tarun Mondal <tarun.mondal81@yahoo.com>
Date: Sat, Apr 24, 2010 at 12:58 PM
Subject: Settlement later format.
To: mohua2005@gmail.com


Dummy Private & Confidential


DATE 21.04.2010

NO :AcctNbr/9401270094975005

BISWAMOY MUKHERJEE

ASHIRBAD APARTMENTS,FLAT NO-41

10,JESSORE ROAD

DUMDUM,

KOLKATA-700028


Subject: Settlement of dues on ICICI Bank Credit Card Account
9401270094975005


This refers to your discussion with the representative of the Bank.

In view of the exceptional circumstances as explained by you, we confirm the acceptance of Rs. 40000/- Fourty thousand in 1 shot installments as full & final settlement on the above mentioned card account by cash./ pay order.


The above full & final settlement is being granted on a one-time basis without setting any precedent and the settlement is valid only upto 26.04.2010 Thus timely payment is the essence of this settlement offered to you.



Should any cheque/cash issued after the date of settlement letter be dishonored or amount of any installment is not paid within aforesaid due dates, the above settlement would stand null & void, and you would be liable to pay the entire revised outstanding as per the current status.



We request you to sign and acknowledge a copy of this letter as a token of acceptance of this settlement offer and its terms & conditions.



This communication is expressly in reference to the above card account only and is strictly confidential.



Yours faithfully,



For ICICI Bank Ltd



<SIGNATURE>

Authorized Signatory