Regarding my loan account number 48832081.
I have faced below problems since the day I have taken the loan.
1) ECS Issue(took over 8 months to resolve after many emails and telephone calls)
2) Cheque bouncing charge(Resolved after contact to customer team number of times. But my ICICI bank charged me cheque bouncing charges 2 times)
3) CIBIL negatively affected due to cheque bounce 2 times from your side without any information to me
4) Statement not delivered withing time line . I have requested 2 times to your customer team but never got the statement within time line. After time everything is useless.
5) Loan closed request given on 13 Jan 2014 by email and by telephone banking, but not yet received any closer document on my communication address. Personally I have collected it from your Noida Sector 18 branch on 3rd Feb 2014. Even I have sent emails many times and called to your customer care team
Finally, Today I have collected loan closer document from your Noida sector 18 branch.
I have notice in closer letter, SC have added interest for this month INR 2619.30 and 5.62% Pre payment charge(inclusive of service Tax) INR 9297.65.
I want clarification on why should I pay interest of INR 2619.30 for this month although I have sent the request through email and contacted your phone banking officer before 15 Jan 2014.
I want the clarification why should I pay 5.62% Pre payment charges(inclusive of service Tax) INR 9297.65. I have taken the decision to close this loan just because of above issues and lack from your end, I was facing so much tension for every time contacting you for silly things and wasted my time. I took a personal loan to remove the tension and in return you have added the other tensions to my life.
I am seriously ill of your services.
In last, you bounced my cheque force fully on 31/07/2013 and 23/08/2013 without informing me even when I have paid all amount by cash and My CIBIL is badly affected due to cheque bounce.
I want to know how can I improve my CIBIL effective value.
Thanks
Ramakant Singh