icici car loan
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Category: Business & Finances
Contact Information
India
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icici car loan Reviews
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krishnamm69
March 21, 2011
Illegal seizing of my car
Illegal seizing of my car
Hi
Please Help me I am in deep trouble
I purchased a new swift ZXI car and got it financed from ICICI bank.
Total loan Amount: 4, 44000
Total EMIs Paid 12 of 10250.
ICICI has seized the car and telling me to pay 5 lacks more to get the car back.
I am very frustrated because of the behavior of your agency guys ... I am not a murderer or I have not even slapped any one in my life… and your recovery guys slapped me just because I refused to hand over the keys to your and they snatched my cell phone so that I cannot call anyone as advised by his manager or the person working in your Bommanahalli branch… Is this legal... and I committed a biggest mistake of my life that I took loan from ICICI BANK... Which I regret for my whole life time for the slap’s they gave me. I am so much frustrated that is it a mistake that one should slap me just because I have not made payments.
I will do what I know the best I am opening a web site called CHEATED by ICICI BANK.COM.
Long story short... I have been dealing with banks and they always give me a option to make interest only payments when you are not able to make full payments...*** This is also a directive of Indian loan and lending law and a RBI Directive ***
I missed my payments and I made a cheque payment. the cheque cleared my bank and this was not reflecting in my loan repayment statement then I made next payment thru the same citi bank account and even this payment as extracted from my bank and was not reflecting in my bank statement . I raised service request to find out what happened. I have given the requested documents 20 times to each collection agent who used to come to collect the payment .I have spoken to all the managers in ICICI bank Bommanahalli branch.. on 4 th of this month I received a call from one of the managers to close the loan of at 3, 20, 000 .. Deducting the interest rate and the two payment inclusive of every charges.. for with I agreed and said that I will make the payment by the 25th of this month .. evry thing was fine until one day ICICI Bank Hired Gooons came and slapped me in the middle of the road in front of my aunty and uncle and their daughter and took the car by force …. I was devastated and heartbroken I don’t know what I should do .. I might be wrong in first part when I had missed my payments and after that still I made 2 payments and when those payments were not reflecting. I have tried all the efforts to resolve this issue. I have visited the branch 30 times and spoken to call center multiple times.. And then I got frustrated and stopped following it up.. And every month new collection guys is to come to collect the payment and hand over the documents to him and the same story continues until one day you seize my car without any notice or a letter.. People wanted me to sign some document by force for which I refused.. Because they were not showing me what document it was and also for which I got slapped again.
I HAVE LOST MY SELF RESPECT IF I KILL MY SELF ONLY ICICI BANK AND THE AGENCY GUYS WILL BE RESPONSIBLE and I AM SENDING THIS EMAIL TO ALL THE MEDIA AVAIL ABLE NDTV, TIMES NOW, AAJ TAK, ETV AND TV9 .. IAM GOING TO PRESS CLUB OF INDIA IN CUBBON PARK AND WIL DISTRIBUTE THE PRINTED COPIES OF THIS EMAIL….. On Wednesday 9 AM … I do have all the copies of my loan statement and every the telephonic conversations’. Happened...
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noddy_revolts
January 11, 2011
Tried to fool me
Hi All
I am in a process of getting a car loan form ICICI bank, and let me tell you, it looks like you guys are trying your best to leave an unsatisfied potential customer.
When I visited the showroom on 1st Jan 2011, my options for finance were, SBI & Citibank, as I own a credit card and a savings account from Citibank . But your agent at the showroom started pushing me towards ICICI bank, saying that they will get me 95% loan on the Ex-showroom price.
I don’t want to pay anything more than 85-90 thousand as my down payment.
SBI is giving me 85% to 90% on on-road price
http://www.statebankofindia.com/user.htm (which I confirmed by visiting their Chinchwad branch)
Where as,
Citibank is giving me 90% on on-road price, within 48 hours and for me in 30 mins of processing time as I am already an customer of their holding 2 of their services.(Savings account & credit card)(Confirmed by calling the phone banking service of theirs)
I have never even missed to pay my phone bills or credit card bills nor do I have any current loan on me.
But despite this, listening to your agent I thought of giving you guys a chance.
I gave all my documents asked by your agent,
After 3 days another guys calls me saying that I have been working in my organization for just 4 months when the reality is 9 months and total experience of 3 years, I had salary slips for all 9 months, which were also been seen by your agent at the time in filing in the application forum.
You guys create your own mess and blame me of giving you wrong data,
Then a second agent visits my home and takes copies of my Appointment letter and experience letter right since 2007, and also addition, my another bank (Pimpri – Chichwad sahakari bank ) passbook which has RS 2, 50, 000 as my balance on it .
After 2 days again what I hear is that bank has just passed me 80% of ex-showroom price which is the worst deal I can ever hear. Reason, I have not maintained balance in my savings account.
Seriously? Isn’t 2.5 lacks of balance enough for you guys?
I feel like I have fallen in a trap to be a forced customer of yours, Simultaneously been cheated!!!
Now you guys have all my documents originals and copies.
Either you guys get me 95% of loan as promised by your guys or else, Please return all my document at the earliest I have already wasted my 15 days . And don’t wish to waste more time with your non-reputed bank.
If I face more problems from any of your company employees, then I am sure to launch a complaint with reference to my experience with ICICI at http://ccccore.co.in/ (Ministry of consumer affairs, Govt of India)
And also recommend my colleges at Microsoft India & Convergys India to refrain from using ICICI Bank services on our internal corporate blogs
Because if I tried to launch a complain on your webite https://infinity.icicibank.co.in/salesEARWeb/web/rbi/jsp/complaintForm.jsp
It does not allow me to enter more than 1500 characters
Or if I go on http://www.icicibank.com/pfsuser/customer/complaint1.htm
And click on "Click here to send us an e-mail "
I get the following page :-
HTTP Status 404 - /web/contactpr/jsp/feedback.jsp
--------------------------------------------------------------------------------
type Status report
message /web/contactpr/jsp/feedback.jsp
description The requested resource (/web/contactpr/jsp/feedback.jsp) is not available.
--------------------------------------------------------------------------------
Apache Tomcat/5.5.17
This tells me that you guys are really not interested in getting your customer’s concerns or complains, and also your organization does not have a will to improve
That’s what’s making me write a complain to Ministry of consumer affairs, Govt of India
So in order to make it up to me you guys have 2 options :
1) Get me the 95% loan as promised by your agent
2) Get my documents back and rebate me for the inconvenience, caused by delaying the delivery of my car, and wasting my half month.
Thank You
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ICICI Car Loa goof up
August 23, 2010
Harassment
I had a car loan from ICICI bank, my account number was LAMUM00002633364,
Let me explain the story from Nov 2004,
1. The loan amount was 441, 000 started on Nov 2004
2. I paid religiously till Jan 2006, then i lost my job & so i had send a letter to ICICI BANK dated 16th Jan 2006, asking them to dispose the CAR & recover the balance amount which was 335, 342 Rs as on 16th Jan. Despite several calls to call center for immediate action, i received very cold response.
3. I personally took the car & handed over to your recovery department in Andheri, on 4th Feb 2006, I interacted with Mr. Irfan Ansari, he told me that current rate i can get around 350, 000 to 375, 000 after sale. So i told him to immediately dispose off.
4. I get a letter from ICICI bank on 8th March, saying that my outstanding value is 365, 949 Rs & the car has been sold at 348, 000 Rs so i should pay balance 17, 949 Rs. Where as if you see the loan amortization schedule on Dec 2005 my outstanding was 342, 064 Rs. I am attaching the copy of the same. As per this actually ICICI should have paid me 5, 936 Rs after adjusting the amount.
5. I had send a letter on Sept 1st mentioning the above status & asking for a closure certificate, but i didnt get any response, so i thought now the case is settled, i also didnt bother to get my due amount.
6. After 4 years i get a court summons to attend the hearing, which i didnt receive as my door was locked.
7. Then i get a court notice with non bailable warrant to attend the hearing,
Is this the way you treat a genuine consumer, who had all the intentions to pay off your dues.
I want immediate action on this issue, as i have never ever defaulted in any of my dealings.
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