I have been sanctioned loan of Rs.60 lacs from ICICI HFC Ltd and disbursed Rs.30lacs on March 01, 2004. ICICI Executive who came to sub-register office at the time of land registration and delivered the DD of Rs.30 lacs to Vendor and collected all original land documents to sent to ICICI head office. Due to various reasons, I have decided to reduce my sanctioned loan from Rs.60 lacs to Rs.30 lacs and start paying EMI for which I have contacted ICICI HFC in the month of May 2004.
ICICI did not show interest in my case and kept me in dark months together and just collecting Pre-EMI.
I have approached several ICICI bank members who promised me to start the EMI immediately and they have asked me to sign several blank documents (4-5 sets of same docs).
Since EMI did not commence after 6 months also, In the month of December when I visited ICICI to check about EMI deduction, they said my signature has been “FORGED” inside the bank and so is the delay. They asked me to sign another fresh sets of documents to start EMI.
Executive Name Raghavendra from Malleshwaram Branch did show me the forged signature document. I have asked for explanation for the forgery for which they did not respond. I have asked Mr. Raghavendra if I can take forged signature document with me. But Executive responded that as company policy they can not give out any original but agreed to give me XEROX of the same document.
With all these As a customer having no faith in this Bank, I have requested them to show me my house original documents and other doduments that I have signed for which ICICI refused to show the documents. Instead they have threatened me saying that I will be black listed and they have also repeatedly told me not to disclose this outside.
With this, I have issued Legal notice on December 21, 2004 requesting for explanation for delay, signature forgery and response from ICICI HFC. For this also Company did not respond and when I spoke to them, members said it’s company policy not to communicate thru papers.
With these, I just want to bring to consumer notice that please be careful while dealing with this bank.
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Since I could not add new discussion on this, I would just append my existing complaint about ICICI.
As the existing case about signature forgery and not starting EMI in time which resulted in morethan Rs.3lakh loss for me I have filed a criminal case against ICICI with the help of Lawyer who knows well about banking terminaology.
At the same, as I decided to construct the house in the same plot, I have submitted my plan-approval file along with xerox copies of all the documents that I have (as all original copies are with ICICI safe custody!!!) to BMP (Bangalore Mahanagar Palike).
BMP asked me to submit plan file with ICICI attestation on the xerox copies of sale-deed to process the file. So, BMP is govt body and they have to follow the process. I have asked ICICI to send me copy of sale-deed with attestation on it. But ICICI REfused to attest the sale-deed copy. They are saying that entire country so many people of going for ICICI loan for land+construction but no body required attested xerox copy except me. They are saying that it’s company policy not to attest the copy.
Now my question is, how Am’I suppose to construct the house if BMP does not saction my building plan. I sent a email to KVKamath (kamath.kv@icicibank.com) and local team (Shallu Kaushik) at Bangalore office. Now they came back saying that ICICI lawyer and engineer would talk to BMP sanctioning authoriy to clarify the same. But BMP Insisted for Attested copy again for which ICICI is not co-operating.
Earlier ICICI messed-up with my loan/signature forgery/pre-emi and now they do not want me to construct house on that property.
With these headche, I have decided to contact paper editor to disclose all the matter.
For your info.