Bankers think they are over smart


This is the email I sent to Nodal Officer for Lien on my accounts. I got an acknowledgement from them which don’t have reference to damages for the agony caused.

Dear Nodal Officer,

This is to bring to your notice about the irresponsible act on the part of ICICI Bank which has brought tremendous amount of monitory, time and productivity loss which lead to great mental agony.

All my agony started 6 years back when I bought ICICI bank credit card without knowing then that it is going to make my life miserable. I’d like you to go through this blog to know what has happened initially.

http://www.anandnataraj.com/me-icici-cibil

Even I was not happy in making the settlement on 2nd March 2007, I thought my irony is over but it is not. I still had your collection agents coming and disturbing. When I showed them the settlement letter they conveyed an apology. On 22nd July 2009 I got a letter from ICICI bank on Lien attached to my account. I don’t know why it took one week to send me the letter. By the time I received the courier the money was taken from my account.

I can’t understand why it took 4 years for ICICI to take action and don’t know if you don’t even have a process to segregate customers who have made the settlement.

Now your bank has not taken my name from CIBIL, they have taken my money twice which has lead to tremendous mental agony and I don’t know if you can help me out. I’d definitely want the bank to refund my money and pay damages for the trouble it caused me.

I’ve also sent an email to Banking Ombudsman and also I’m taking legal opinion to goto consumer forum.

As a blogger I’ll also take all steps to spread this irresponsible act of the bank.

Also in the last line of Lien of account letter they have sent the phone number without STD code.

Attached scanned copy of Lien on accounts letter, Settlement letter, Payment Receipt.

Thank you for your time.

Regards,

——-
S.Anand Nataraj

This is the reply I got from them

Dear Mr. Nataraj,

We acknowledge receipt of your e-mail of July 28, 2009 addressed to Nodal Officer regarding  your ICICI Bank Credit Card account number 4477 xxxx xxxx 4003.

The same has been registered vide Service Request SR113863258.

We understand that you have the following issue :

a. Reversal of the amount of Rs 7366.05 which is debited from your saving account. 

b. Necessary correction in the Credit Information Bureau India Limited (CIBIL) status.

We are looking into the issue and will revert to you on or before by August 3, 2009.

Sincerely,

Sri.Venkateshwara

Office Of Head Service Quality

It is nice to get their acknowledgement and a commitment on time but I don’t know how these bankers try to over smart us… I requested for Reversal, Removal of name from CIBIL and Pay damages for agony caused which they cleverly left it. You can check this paragraph in my email to nodal officer.

Now your bank has not taken my name from CIBIL, they have taken my money twice which has lead to tremendous mental agony and I don’t know if you can help me out. I’d definitely want the bank to refund my money and pay damages for the trouble it caused me.

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