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ICICI Bank worst if it is approaching you for loan in your countryBEWARE. , city or village
ICICI Bank misuses Section 138, 420, 406 on innocent and ignorant Vehicle & Property loan takers moreover harass , humiliate and traumatized them.
It appears , ICICI is in fact an unlucky or worst bank for vehicle or property loans in India. Recently on November 30, 2006 , I came across a lady Mrs. Elva Kohli ( Name changed ) in the Consumer Grievances Redressal Forum Bandra. The lady was with her husband to file a complaint against ICICI Bank KV Kamath, Managing Director & CEO ICICI Bank . Her complaint was though she had paid and cleared her past 3 EMI of May, June, July 2005 . She was harassed, humiliated and traumatized by the recovery agents employed by ICICI Bank that too for no reason or fault of her. The lady was explaining to the registrar in forum that she had already paid her 3 EMI for which the ICICI Bank falsely implicated her for thrusted a cheque dishonor case.
During this whole traumatized experiences the poor ill lady was made to run pillar to post for more than two years even when she had cleared more than half of the loan amount more than 25 after loan disbursement. During these two years the lady was not only traumatized by the recovery goons , henchman of ICICI but was also forced to under go a court trial for more than 11 months mere for 3 EMI in question of past May, June, July 04, which she had actually already paid . despite the lady was pleading through many letters that she had already paid this three instalments and still paying remaining EMI , the ICICI bank never paid heed to her many pleading letters she wrote to the bank. Ignoring all letters of appeal the ICICI bank sent summons, warrants and made her to appear court proceeding , cross examination and what not. However after a long harassment and humiliation to the lady when the court realized that the ICICI Bank is wrong and later at last questioned the Bank’s intention to bother her . The ICICI Bank Advocate withdraw the , as he realized the lady in question would get clean acquittal and the table will fall rebounced.
During this whole episode , even though the court case was enforced on her , the lady never stopped paying her EMI. Even when the Bank went on sending recovery agents all well muscle men and henchmen to fear this diseased lady who was suffering from hypertensions, high blood pressure , varicose veins, food and medicine allergies, uterus fibroids etc . The recovery agents of ICICI Bank behaves as they were above law and mafia . According to the lady complaint they use abusive language and use every arm tactics to snatch and extort the car.
These recovery henchmen calls anytime on phone, mobile, irrespective you are sleeping in early morning or late night. They came in group anytime, gave hundreds of personal visits insulting her in her home, society and also followed her. The lady in her forties was trembling and today is suffering from, permanent un curable phobia due to ICICI Bank. Mrs. Elva had ruined her mental and physical health both. Her and her family business went on total loss as they all were unable to concentrate because of horror of ICICI Bank . The worse thing about this lady is she could not take psychiatric treatment as even a crocin or parectomol tablet give skin allergy to her skin. Today she is suffering from many health related tensions including insomnia because of ICICI Bank torture for the agony caused to her.
However recently she had filed a case in this Consumer Grievances Redressal Forum Bandra and had appealed this court to make ICICI Bank and their recovery officers and agents involved to compensate her for peace , happiness , business losses . In Kurla Court, Advocate Ms.Jayshree Jawale fought her case of cheques dishonored for which ICICi bank implicated her under Section 138 , 420, 406. The said article is only given here so that consumers can get awareness where to go if they are facing same traumatic tensions or experiences due to financial institutes. A appeal should also be made to President of India and PIL should also be filed in Supreme Court about the Financial Institutes or Banks like ICICI who misuses power of Section 138, 420,406 on innocent and ignorant clients. As because loans are taken by peoples to improve self quality of life and not to spoil own career. Circumstances at all time do never remain the same. However during the course of loans, paying EMI - Business, health, services can cease or pause, Natural disasters, casualties, diseases, accident, incidents, profit and losses are beyond human controls and bank should understand it . Wise bankers should not consider every client as cheat or slave. During such situation if the client fells, Bank should cooperate and not traumatize and humiliate their customers. During such destiny laid stages , If the bank could not support the hospitalized client ( loan taker ) on ventilators at least it should also not try to pull the tubes of oxygen. These are some useful sites for grieved consumers from banks or financial institutes.