Credit Card Harassment

It was at my genuine intention and on my instant and initiative, as you will find in my various mails, wherein I had requested to settle the matter related to unaccepted amount as mentioned in the periodic monthly statements from time to time, which was totally ignored, overlooked and disregarded by the ICICI Bank and its staff from time to time.

I also disagreed to the representation made to the Law Firm of the bank that the facility was withdrawn at the instance of the ICICI bank. The request for discontinue was made by myself, out of total dissatisfaction from the services as promised at the time of the issue of the card and various representations made by the authorised agents of the ICICI bank. It was discontinued by me for total dissatisfaction and misleading statements made by the authorised persons and the authorised and hopefully duly appointed, call centre of the ICICI bank responsible to abide by the statement and the commitment made on behalf of the ICICI bank. I tried to call Md. Ritwika Bose on 66493732, the telephone no. mentioned on her mail dated 16th July, 2007, and also replied back to the email id of Md. Bose, to which she never responded giving an opportunity to explain and clarify either through personal meeting or through email or telephone call. The request for discontinue Credit card facility was made some where in June,2007 on failure to resolve the matter with Md. Ritwika Bose after repeated follow ups and writing mails.

Again responding to the mail received on 6th Sept.,07, I marked copy to Md. Bose. In this mail I had even given the complete details of the movement of the card starting from July, 04 the month in which I disputed the service charges of Rs. 397.36 including service tax. To this correspondence also Md. Bose did not responded at all.

In my said reply, I had also mentioned how I was harassed by giving appointment of Mr. Raj Malhotra and Mr. Vinod in the RPG Tower Office of ICICI Bank. I was given the appointment of Mr. Raj Malhotra and or Mr. Vinod at 3.30 where as Mr. Vinod was absent on that day and Mr. Raj did not turn up till 4.30 pm. The phone no. given by one of the executive who visited my residence at 12.00 noon named Mr. Sanjay. He gave his Mobile no. 9819688116 and to my surprise, the mobile no. given was also wrong as it belongs to Mr. Rakesh of ICICI bank. I also explained how the expenses were wrongfully charged in July,04 and were reversed in Aug.,04 and again the charging started from Aug.,04 onwards and never stopped thereafter in spite of repeated calls and follow ups.

Again, I was given reference of Mr. Ravikant Anchan of ICICI Bank in RPG Tower and the mail was written to him marking copy to Chirayu Thakkar having office in RPG Tower with copy of statement starting from July,04 till Sept.,07 on 12th October, 2007, and again on 13th October, 2007. The both Mr. Chirayu and Ravikant were contacted several times and had promised me to resolve the matter to avoid any inconvenience.

In the said mail I had also mentioned how I and my other family members which included my wife and parents who are senior citizens, were harassed mentally and psychologically by the Recovery Agent from M/s Vaishnavi, by using the very indecent language and tone. He represented himself as staff of ICICI Bank and on asking for identity proof and other details he informs us that his name is Mr. Deepak Singh whose mobile no. was 9324659391. Mr. Deepak called Mr. Tofiq his mobile no. 9223905984 and office telephone no.s were 28522475 and 28522051 who also represented himself as senior officer of ICICI Bank, Credit Card Dept. Subsequently Mr. Deepak informs me that both of them are employed on temporary basis by M/s Vaishanvi, the proprietor of the company is Mr. Mohan Pujari. The office of M/s Vaishnavi is in Mittal Industrial Estate, Andheri Kurla Road, Unit No. B-78, Andheri East, Mumbai. This is clear case of mis-representation and intentional mis statement. To this, I was promised by both Chirayu and Ravikant that such threatening calls and recovery drive is not acceptable and they will instruct to the concern person only because they had accepted the fact on review of the documents. I am also sure that the instruction must have been gone as such calls and visits stopped thereafter until last week.

In the month of May,08 I have been receiving threatening calls from 9769429556, 9370510018, 9221572867, 9422007516, 9221570362 and person calling were Arti, Sonia, Jayesh, Salim and sometimes Sameer since 26th May 08. I have received such calls minimum 30 to 35 times in the 2 days. They claim that they are from ICICI Bank but when approached to ICICI Bank in this regards they have said that they are the recovery agents hired by them.

Though I was discussing the outstanding matter with the Bank official Mr. Nayzi 9920866000, Mr. Jacob 9820188148. The recovery agent keeps on calling my residence, office number and my wife�s office using abusive language and threatening, thus causing me and my family mental harassment through. The language is very abusing with all sort of bad and unsocial words. Some one from this recovery agent�s office also came to my house and my office without any authority letter and identity card. The so called Salim alias Jayesh Alias Sameer threatened to see me at my home and extract money from me by physical enforcement and unethical ways, he also very specifically mentioned that he will go to any extend to recover money from me. He again used the abusing language and threatened me saying he knows how to take money out. This person is calling me at late evening, midnight early morning and during non official and commercial time. He is intruding my personal and family life.

I understand that mater being passed through various department and person changing their roles and responsibilities during the period will take some time meanwhile I received letter from the law firm which demonstrates that ICICI bank has not given them the full facts and figures of the case.

As this was not enough, the matter was again referred to Mr. Sharib Nabi of ICICI Bank and the same complete set of documents and details were given to him on 17th October, 2007. I spoke to him and confirmed the receipt of the mail and Mr. Sharib also promised and confirmed to me that the matter will be appropriately taken up and resolved amicably. ICICI bank failed to keep words of their own responsible and accountable staff and consider the case as irresponsible and dishonest defaulter. It is also surprised to note that the case matter was refereed to advocates and solicitors who are not properly briefed and supported with adequate and necessary facts and documents related to the case.

It was expressed and represented by the authorised agent of the ICICI bank that the terms and conditions for the usage of Credit Card is very user friendly and more then 30-40 clauses of the terms and conditions and its implications were agreed and signed off in good faith trusting the representations made by the bank representatives. I am sure while taking similar facility by you, even you have not read and completely understood the implications and consequences of the terms and conditions signed by you.

I totally disagree to the entitlement claimed made by ICICI Bank and they have totally mislead, misguided and misrepresented. By using the common sense and cursey look of the detailed statement that I had submitted several times, since July, 2004, I have been regular in honouring legitimate, genuine and valid amount due for the month towards corresponding month purchases and services utilised well in time and in fact before the due date for most of the month.

Another glaring example of misrepresentation and misleading statement made by ICIC Bank to its law firm was the card holder name was Sunil Shah instead of Sushil D Shah. Certainly Sunil D Shah and Sushil D Shah would be two different individual. If at all any person exist by name Sunil D Shah, he is certainly not residing at the address at which law firm had sent the recovery letter and it was not accepted by the person intended. It is my goodness and willingness to once and for all resolve the matter and close the very old and unpleasant experience I have since July,2004.

I was again approached Mr. Sudeep Sinha on 29th Oct.,08 ( 9930064459 / 66493478) and I again replied to him giving all the details and documents and he also failed to understand the problem�

Fes days back I saw a program on television and came to know about the �Peheredar� and thought appropriate to refer the matter to you in anticipation that I will have some solution for the matter pending over 4 years�