Respected Sir/Madam,
My name is Ravi Shankar Desaraju, and I have been ICICI Bank Credit Card Customer since year 2007. Below mentioned are my Credit Card Numbers for which I have failed to clear the payment till date.
Name of the Bank Credit Card Number
ICICI Gold Credit Card 4477 4771 2610 5010
ICICI Gold Credit Card 5176 5371 3305 2009
ICICI Platinum Credit Card 4629 8640 4360 2012
Loan Account 9401 2701 7373 2003
I hereby want to bring into your kind notice the harassment I have been facing from ICICI Bank Agents and the person behind all this, Mr. Venu-A.M.D. Collections Manager (6th Floor), ICICI Towers, Gachibowli.
Due to severe financial crisis and being deceived by my trusted people, today I stand in this position of my incapability to clear your Credit Card Dues. I’ m in the verge of filing for a bankruptcy, but I’m trying to use all the affordable resources to clear the dues and make the Full and Final settlement of the above mentioned Card accounts. So, that I don’t end up spoiling my credit history for the rest of my life. I have been a prompt payer till January-2011, and had always made complete outstanding payment. As I mentioned above, I am going through worst phase of my life, where in I am left helpless from all around, but still I haven’t given hopes and trying to re-build my Credit history. I would also like to inform that my intention is to clear all your dues, and addition to that I have initially settled a LAN # 9401 2701 7373 2004, dated 29th October 2011, and have been trying to gather resources to clear the other dues also. But now I am having a serious issues going with the Income Tax Office. I have been sent a notice under section 143(3)- Scrutiny act for the Financial Year 2009-2010 (a copy of the notice is attached), and I was running around with this issue from last one year. Lastly I have got the final verdict to pay an amount of Rs.12, 20,036/- rupees by January 30, 2012. Failing to do so I might end up facing some legal problems. All I did was I helped a person, and I am badly deceived by him, and now I am going through all these problems and find nobody to help me with the above.
Adding to my personal problems I am going through lot of pressure from your ICICI Bank Collection Agents. I accept that I have to make the payment, I have mentioned my intention to clear the dues also, if I had anything else in my mind I wouldn’t had cleared one payment also. Last week I had multiple people contacting me in regards to the payment of the specified cards. I had been contacted by Mr. Chandra Shekhar- Cell # 9948405831, who have met me personally on 20th January 2012, and have been kind enough to understand my situation and have given me some hope in repaying the dues. He had contacted me in regards to the LAN # 9401 2701 7373 2003, and at the same time I have also mentioned the other cards which I am due to your bank. For which he advised me to meet Mr. Venu (A.M.D. Collections Cell # 9949993501) at Gachibowli Office, due to illness I couldn’t meet Mr. Venu on 21st Jan 2012. On the same day i.e. 21st January 2012 at around 5:00 P.M IST a Collection Executive name Mr. Venkat (Able Collection Agency) Cell # 9676394314 visits my place and have created a lot of mess around. He made speak to Mr. Venu, and when I have mentioned my problems to Mr.Venu, he instead of understanding or showing any empathy threatened me of visiting my place and office with some legal department people and drag me on road and also make a fuss at my work place. Later, Mr.Venu, advice M.Venkat to capture pictures and videos of all the things at my home, threatening to seize them if I don’t make the payment. Worst of all you’re A.M.D- Mr.venu have insulted my Parents stating that the Executive (Mr.Venkat) will knock every door in my apartments; organize a meeting, making my parents beg for donations with all the Apartment people to repay the Credit Card dues.
I am not running away, or have any intention of skipping your payments, but my question is “How can ICICI Bank being such a reputed organization hire people like Mr.Venu (A.M.D), and keep 3rd grade agencies for collections”? These people could be big shots and might also excel in their jobs, but “Whats the point in hiring people, who in the verge of meeting their targets are harassing the customer and his/her parents”? Your Bank have no rights to insult my parents or as a matter of fact disclose my dues (which are confidential) to my neighbours. Is this is what being taught working for the world’s best banking sector? I am surprised to see such a behavior from well educated people, If this is the case then why does your bank have Code of Conduct for the Customers and the Bank Employees?
http://www.icicibank.com/aboutus/pdf/code_of_business_conduct_ethics.pdf
Who is responsible if something goes wrong with my aged parents, or If I end up doing something?
I feel ashamed and helpless for all the insults my parents are facing because of me, but that doesn’t mean that your Bank people take us for granted and make insult us the way they want. Your Employees also have families and should some ethics while speaking to elders. I want to share my agony, insult and the pain my family is going through from last Saturday. The executive refused to leave my place till my Father (who is a retired person from a Pvt. Firm) got involved and assured him to do something on the Card # 4477 4771 2610 5010. If now WE fail to arrange the amount within the given time I’m afraid what more worst WE might have to go through. I had requested for some time, before processing the card closure request, and today i.e. 23rd January 2012, I received a call from Mr.Neeraj(Audit Dept.ICICI BANK) Cell # 9949010888, stating that I have requested to process the same. Please check that your Collection Managers or Agents don’t end up doing unethical things in the name of reaching their targets.
Going through all the above, I kindly request you to take serious actions on Mr.Venu (A.M.D) and the Collection Agent Mr.Venkat from (Able Agency) for all the mental trauma given and for insulting my parents in presence of my neighbors. Please teach them some basic manners and your banks code of conducts before moving for any further collections.
Please provide sometime to clear all the dues in order. I would like to remind you again to think of my situation and provide me some waiver on all the above mentioned cards in order. In the mean time, I request you to please handover my case to Mr. Chandra Shekhar (whom I feel have more ethics and a gentle manner to deal with issues) rather than making a big fuss around. Please understand that I’m really going through a very rough phase in my life, and I can’t handle any pressure of even a minimal harassment from your Bank people. If the same continues, I am afraid I might end up taking any extreme step for which I would completely blame your Bank. Please consider my request on humanitarian grounds and try to help me, rather than harassing me.
Thanking you,
Yours Faithfully,
(Ravi .S. Desaraju)
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