My settlement was done in july 2005, verbally by the credit card division executives. Immediately i paid 20% of the settled amount. But till today bank has not posted me my settlement letter. Rather they are sending every month statement bill putting all the penalties.

I have also the agreed settled amount in many installments. But the bank is telling that no settlement was done, & i have to pay full amount. Now bank has given me notice & making rough phone calls. On 14 march ms. Neha (+912265143501) talked to me in a very vulgar way on my mobile.

I think icici credit card division is totally not responding to customer needs. I am surprised how they are growing.