I have not seen any irresponsible bank like icici in its own personnel finance sector. I had taken a personnel loan for four years.
In between there were a couple of bounce from bank which was paid in the same month. The bank charges a penalty for such bounce. But they do not inform about any such due on completion of loan. Their internal marketing division also does not care to check such record and in hurry to meet their targets again collected fresh loan application and ultimately loan of few lacs gets rejected for dues of penalty of few hundreds which was never called for. Fianlly a needy borrower does not get laon from icici bank or other bank due to his name existing in cibil list for a very small amount. In nut shell whenever we repay any loan we should not forget to ask for a no due letter and any cheque dated or un dated which they have taken from borrowers while executing documents before disbursement of loan.
In absence of our alertness the bank many times forgets to send no due, forgets to correct names from negative list we do not get further loan from the same bank or any other bank. Icici bank tops in all such activities, as it is large private bank. The officers of customer care are not cooperative. Only marketing people run to get application to meet targets and the borrower each time submits same documents and many documents running in a lot of pages. Some times due to some unknown reasons bank purosely does not correct its own negative list or cibil and borrower gets harrased.