PROCRASTINATION Warrants FINANCIAL despair, disparity
Procrastination is the deferment or avoidance of an action or task to a later time. For the person procrastinating this may result in stress, a sense of guilt, the loss of productivity, the creation of crisis, and the chagrin of others for not fulfilling one’s responsibilities or commitments. While it is normal for individuals to procrastinate to some degree, it becomes a problem when it impedes normal functioning. Chronic procrastination may be a sign of an underlying psychological or physiological disorder.
The genaral feeling with all the banks’ authority, even after prolonged trnsactions by way of holding accounts, show dismay, dismal and dissimilar mark and remark, when it comes to loan request as required in prudence. It is almost begged out in alms.
One such my experience with ICICI is explained as below. The evil side of every market is exposed.
What is the reply for the following lines to which I can produce evidences within ICICI records
History for the geographical wonder of the Taj Mahal, took thousands of labour & 2 decades of time.
To build my first floor it took 19-Feb-2007 to 23-May-2007 to get financial advance, (as on23-05-2007). Pl. note: That all my necessary documents already with the bank for over 5 years. ---- HUM HAIN NAH, HOME LOANS MADE EASY and 48 HOURS are the marketing lines as seen TVs, Newspapers, ICICI banks, and pamphlets issued 25 quantified Hum Hain Nah people give repeated assurances and failing on it ever 10 Customer Service Officers take details of our ID, and never solve or convincible 6 Customer Service Managers whose role is something intended to deceive and deliberate 3 months to sustain initial disbursement of Home Loans Made Easy when 13 days Sanction took from application date and 31 days customer to get the Sanction Letter 48 hours to Sanction as advertised by a bank is just for deployment. 158 minutes of STD calls from Mumbai to me, sometimes from me 50 hours of calls made to call centres by me, and about 600 times of local calls from me to Pancha Pandavargal in Masood, Manoj, Ranjit, Govind and Viswanath 4 dozens of e-mailed correspondences, either side 95 days of torture & turmoil to the customer (+3 days to get credited & holiday in between = 100 days) 1 dozen of refuted replies from depressive a renowned bank’s-Chennai staffs 2 Home Loan Documents twice signed in duplicate 2 indemnity bonds of altered dates 2 sanction letters? Second one EMI amount changed 2 dozen times of meeting with agency people for all coordination 8 SR’s booked and none of them closed yet to my knowledge 5 cheques were replaced for wrong filling by your staffs 8 visits by me to the local bank offices to get 1 cheque of 1, 50, 000/- INR
A monumental effort is it not. The bank can proudly display this in their advertisements.
Of course, if you put value to all the above it would equal out the product and net result. Outdone
Dear readers
This bank holds good and apparently serves better to you to have 4 a/cs thus best describes you are not less than a crorepathy / millionaire.
When persons like me find to hold and operate one a/c, it is indeed, where the bank has failed to consider our unfortunate financial constraints.
Those who are lucky and felt the satisfaction as one in a million, certainly not a testimony to provide a purpose, role, or function of the bank for the people of this country.
The bank has so many negative remarks from length and breadth this nation and we must understand the heat with which the people of our country are burnt.