I can give you one sound advice - Stay away from these jokers
I had the misfortune of taking a home loan with ICICI. I thought since it is a loan, my pain would be limited. After some initial issues with the DSA, I thought I will take the loan from my branch in Powai. I took the loan from the branch, from a guy sitting in the branch. Then the nightmare began
All through the time the loan was on pre EMIs, they would all and harass me for the monthly cheque all of which they had collected when I got the loan. I tried calling the call centre, but surprisingly they have no clue about my loan, since they get the details only after the pre EMIs are over. They gave me 7 different phone numbers, 5 of which did not work, the other 2 could do me no help. Then I went to their branch in powai where I took the loan from, and they said they are helpless as theirs is not a loan branch! Apparently, the guys who sit in the branch and disburse the loan are DSAs. I wrote to all their senior offices listed on the ICICI bank site to no avail. Finally I had to write to RBI ombudsman( http://www.bankingombudsman.rbi.org.in) before the issue was sorted out
After EMIs started, between may and september they increased interest rates by 1.5% and the tenure of my loan has increased from 20 to 47 years(i still haven’t believed it!), but I have received no letter, mail or call. In the last 6 months I have complained to the call centre 4 times, to all the appellate authorities(please don’t waste your time doing that, they are of no use), I have finally written to the RBI again, hoping for redressal. My experience with the RBI site has been terrific so far, with both my complaints addressed through a letter within a week each. But in any case, I am getting the loan transferred to SBI, where I see sensible people across the table rather than poorly informed voices on the other side of a telephone.
A discussion on the ICICI call centre is something I would avoid since it would reflect poorly on my decency and the etiquette of this blog. It is unfair to the poor call centre souls who have to listen to irate customers like me continuously for the fault of the bank.
My suggestion - stay away of you do not like negative emotions much.