Consumer Rights

( June 28, 2007 )

Address of banking ombudsman in India

There are 15 banking ombudsman in India as of now, and they are located in different cities - Ahemdabad, Bangalore, Bhopal, Bhubaneswar, Chandigarh, Chennai, Gauwhati, Hyderabad, Jaipur, Kanpur, Kolkata, Mumbai, New Delhi, Patna and Trivandrum.
For address and contact details, refer to this link

Filed under Banks, Complaint, Consumer, Feedback, Finance by ashish

32 Comments to “Address of banking ombudsman in India” »

nakirekanti narayanarao says:
July 1st, 2007 at 6:33 am
i have got some problem with sbi credit card and they are not resaponding to my emails and go on adding penalities to my card account though i did not spend any thing but for debiting of charges pertaining to royalasundaram insurance admin. chrges against canceelled insurance policy..narayanarao
Arun Murthy says:
September 20th, 2007 at 11:41 am
i have problem with sbi credit card since the day of activation and a balance transfer, they do not send statements for months together and then send a foul mouthed collection agent to talk of settlements. I hold several credit cards for several years and never had any problems. If you are a SBI credit card holder and have similar peoblems do get in touch with me at my email address
Subhaa says:
November 12th, 2007 at 6:05 am
Rejection of Educational Loan for my son. I need help from the ombudsman of Banking to process my sons educational loan. I am resident of Chennai, Tambaram . The educational loan was rejected by UCO Bank and now from ICICI at Selaiyur, Tambaram. Being a single parent I am finding it very difficult to get my papers processed. Can’t a person having/paying a Home loan regularly apply for education loan for her son, even if she has a paying capacity? What is the solution for this.
abhishek says:
December 7th, 2007 at 7:25 pm
we have a disputed amount on the icici bank’s credit card, in spite of listening to us, they simply keep sending monthly statement with late fees
Arun Raghavan says:
December 19th, 2007 at 8:02 am
I have applied for an SBI card. The courier triedd to deliver the card when i was out of town. I am calling the customer help line of SBI and registering my complaint asking them to deliver and they are confirming the same. Then the courier people call me twice and promising me different delivery times. Now i get a statement from SBI with no card delivered and i am supposed to make a payment of 49 rupees. I am surprised with this. Horrible service.
sanjay vatsalya says:
December 25th, 2007 at 1:21 pm
I just had some q’s to my case I like to file against S.B.I. Bank….. 9719314288
Thomas Samuel says:
January 22nd, 2008 at 6:18 am
I have a savings account, joint account with my wife with the ICICI bank,
operating from the last four years or so. During the initial peried, even ATM card was operational but later I surrenderd the same after the peried of the initial one. There were undue charges noticed, when I approached the branch and on request recd. the statement.
Though time and again in spite of written report, the bank never botherd to post the statements. once I failed to remember the balace properly, issued a cheque higher than what is remained in my account. The bank dishonoured the cheque and debited Rs.393/- from my account and I paid Rs.250/- to the person to who’s favour I have issued the dishonoured cheque, being the penalty charge levied by his bank. Getting pained with this sort of dealing in spite of lodging written complints, the account holder continue to face with problems of dis-satisfactory services and exhorbitant charges have no other option but to close down the account.

However would like to know any other option including to get any compensation for such exhorbitant charges and dis-satisfactory services.
Intekhab Khan says:
January 28th, 2008 at 8:19 am
Dear reader
I have been using SBI credit card for last four years and during this period of four years i have received their statement for not more than three ocassion and i have called them n number of times and asked them the reason behind this callous attitude the reply is simple”we send you statement each month but it’s you who do not receive the staement
prem kumar p says:
February 1st, 2008 at 2:49 pm
My name is Prem Kumar P having HDFC DEBIT card. I am from BANGALORE & I had visited MUMBAI on personnel basis. On 29-01-08 at 9.30p.m I had visited HDFC ATM located near THALAO PALI,THANE(W).What happened was when I inserted my card it got stuck & it got captured without doing any operations. I was in total confusion at that time. I did not have any money in my hand or any balance in my mobile. The security personnel over there refused to help me out in spite of people present inside the bank located adjacent to the ATM.I could not reach the customer care also as they work only till 8.00 p.m only.I took some money from one of the person who visited the ATM literally begging for 100 Rs.She gave me money with which I could manage my dinner & I proceeded to one of my friend house.The next day I as supposed to travel to BANGALORE but my mental agony did not allow me to go.I called up HDFC customer care the next morning to register my complaint & I was told that my complaint was registered on priority basis with complaint no 166690116.i was also told that my card will be returned to me within 48 hrs.But nothing has happened as yet.I said the customer care executive that I will collect the card from THANE BRANCH itself. But no one contacted me nor is my card returned.I want to sue HDFC BANK for all this & damaging my mental health & my profession. I want HDFC to bear my damages. Meanwhile I am in MUMBAI itself.You please tell me how shall I proceed. I got your e-mail id from internet & thought that you will be the appropriate person to help me.kindly help me out madam.I don’t want whatever I faced should be faced by any other customer in INDIA. Please deal with this issue very seriously madam.Also find attached my complaint in word format.
Lalit Bedi says:
February 9th, 2008 at 11:38 am
I am being harrassed by Standard Chartered Bank collection/ recovery department. On 8/2/07 I was called on my residence number, from Tel# 011-66118048 by a recovery agent hostess named Asha Sharma. She was very abusive to my Sister-in-law,as I had gone to my Office. The Outstanding in question pertains to a mediclaim Insurance sold to me over telephone in Jan’07. Upon receiving the policy documents, with unacceptable offer not as per originally offered to me,I opted for cancellation, duly in writing.Other than this policy there was no other svapping of expense on that particular card. Non-Standard Chartered Bank waited for more than 3~4 months to act upon my request so as to Penalise me Prorate policy cancellation charges. Now these charges accrued with late charges + late charges together with service tax. I refuse to pay this unethical charge. Also I feel pertified of Standard chartered Bank to Proceed my personal details to such arrogant collection department who, are soo rough to handle, though I was a Card member since 2000 with very honourable credit worthyness,(am paying Standard Chartered Bank personal loan EMI of 8018/- without single Dishonour for last 34 months out of 36 months agreement even for once)in exception of my card relationship.
Kindly see, that the caller agency is nailed properly as am writing caller number from CLIP. Also direct bank strictly for handling recovery cases through proper dialogue and amicable way.
Lalit Bedi
SCB Card# 4129-0586-8290-1943
Ashwin Panicker says:
February 9th, 2008 at 1:20 pm
I had ABN AMRO credit card which was settled by me after paying 9000/- cash out of the total outstanding of Rs.13500/-. I was told to pay in cash so that the a/c will get settled and the settlement letter will follow within a week’s time. But this never happened and whenever i tried calling ABN service center they always you to say the a/c is not settled. Thereafter i started receiving bills every month and now after 3 yrs they want me to pay total of Rs8500/- to close the credit card a/c and without any intimation they have forwarded my name in CBIL whreby i am denied of any loan in future. I request your help to sort out this matter and penalize ABN AMRO for cheating me with my innocence. For any help or details in investigation you can call me on my cell 9819821378.
Surya Prasad says:
February 15th, 2008 at 12:39 pm
Hi,
I was holding HDFC Bank Credit card in 2005, the credit limit was Rs.44,000/-. I never received any Monthly statement from the Bank. My bank savings account got blocked by HDFC bank due to missing of one month Minimum Amount Due(MAD)payment. Then I paid Rs.8,500/- cash and got my savings account release. Then I paid the complete amount what all the credit card people asked me to pay i.e., Rs. 35,000/- by DD. They said that they are closing my Credit card, then I said okay with me.
After 2 years i.e., in the month of December 2007 I got a call from HDFC credit card people asking me to pay Rs.10,000/- which is due on my credit card, which is close in December 2005. I told them that I never recieved any statement or call from you after 2005 December, then why you are asking me to pay Rs.10,000/- immediately.
Please advice me on this… what I have to do?

Many Thanks in Advance….

Kindest Regards
Surya Prasad @ 9900388368
Gigy Biju says:
February 18th, 2008 at 3:07 pm
Hello,

On Jan 13th my bag was stolen when I was visiting Bangalore and among other things, my HDFC credit card too. It is stolen in the morning though I discovered it in the afternoon. In the meanwhile, we used my husband’s add on card (mine is the primary card which got stolen) to pay advance bill of the hotel.

When I discovered the loss, I immediately calle HDFC customer service and reported the loss. I also told the executive to tell me the last five transactions and verified that all very done by myself and that there has been no misuse during the few hours I was unaware of the loss.

When they said new card would reach me within 5 days, I said I am out of town, dont know when will reach home, so I put my card on hold.

On 29th Jan I send them a fax to issue me new cards.

It is been so many days now, 18 days to be precise and they still have not given me new cards. Seem they undertook an investigation to find out a misuse. They had doubt about the hotel charges of Rs 3000 done on the day of the loss.

This is so amazing that in spite of my verifying all tranactions, they have to “create” an issue of misuse and delay giving my new cards.

I have been calling them up practically everyday to know when the cards would come so that I can plan to be at home to recieve the same. And everytime, the executive has no idea and puts call on hold and then comes back and quizzes me about the supposed misuse and I have to tell the whole story once again.

Can I go to banking ombudsman to complaint again this mental torture and delay in issue of cards?

Thanks
Ananthakrishnan says:
February 19th, 2008 at 7:04 am
Dear Mr. Kamath,

below is the mail conversation with your customer Service from the
Bank’s Website wherein i can write to the accounts manager.

I am feeling really let down by your organisation and thought i should
write to you.

I hold a lot of respect for your and Mr Vaidyanathan and the way the
bank has grown over years and how you hold the key to the indian
economy.

I know all of you are busy and are really gearing great and will be
turning the wheels of fortune and make the india success story a real
one to remember.

Somewhere between dreaming big for the country and making ICICI a
great bank there is this bureaucracy that has crept in to your system
and i the attitude of i am a mass player and i really do not care for
customers. This is hurting.

I am sure you do not do this but your VP & Senior Managers definitely
seem to have such an attitude, would you not agree ?!! If you do not
do let me know as how i get such responses from your website / email /
account managers !!

I hold the following in your organisation :

Bank Account : XXXXX
Credit Card : XXXX XXXX XXXX XXXX
Loan Account : XXXXXX
Demat Account : XXXXXX

I had the accounts sometime back and i have started to revive them as
my faith and trust in your organisation is growing day by day.

I am moving my funds from ABN Amro to ICICI already if you see the
account statements in the last 3 months.
My credit card spending has shifted from HDFC Bank to ICICI for the
last 3-4 Months.
I had taken a used car loan with your for the past 4 Months and prior
to this also i had a used car loan with you which i paid in full when
i shifted from Noida to Mumbai.

Now… i had submitted my documents at your powai branch and the
person who received it said that everything was perfect, i do not see
any error in it myself also.

I wanted my Demat address to be aligned with my Bank address and want
to start my trading on my ICICI Account and possibly migrate my
investments from other organisations to ICICI for consolidation. This
does not seem to happen and your staff are operating my machines and
have total disregard to customers.

i have never treated anyone like this all my life so why should i
stand to be treated like this ?

I know the chain mails are agony for anyone reading. But i suggest you
read this and understand what i am talking about, even if i get
aggressive it does not seem to have any impact or it is just driving
your staff’s ego heavy and i get slayed over and over.

My feel of ICICI, you do not trust your people that is why you have
such good IT infrastructure that functions fantastic when everything
goes right which is about 90%. But when things go wrong, ICICI is the
worst place to be as there is no clue where things start and where
they end.

Please help me.

Regards,
Ananthakrishnan Janardhanan
XXXXXXXXXXXXXX

——————————————————————————————————————–
Sunil,

are you unable to understand my mail or are you presuming me to be an idiot ?

Can you read my mail and provide me a response. Do not waste my time
doing copy paste.

Appreciate some respect is given to a customer who wants to increase
his relationship with your organisation.

You have not call me as i had required in the mail. This shows utter
disregard to the customer / potential customer.

Read my mail and call me and clear things out. I presume that you were
lazy and did not bother to find my number for your ease i am giving
you my number, if your response and call are not appropriate i will
take this up to your management and close my relationship with ICICI.

Check my documents by yourself before you send me a response. do not
waste my time. I am sure you are paid for what you are doing ( Copy
pasting and harrassing ) but i am losing money and time. This is not
good.

Take this mail seriously and do your homework and call me and post our
discussion email me.

There are 2 ways for your to handle this.
1. Get all Egoistic and end my relationship with ICICI
2. Get down to reality and address the issue.

Now lets see what Vaidyanathan and Mr. Kamath have put together as a
customer service desk to address customers.

Standard ICICI Sunil Style Copy Paste Begin:
—————————————————

My respected Sir,

Did you bother to check the system and documents before you sent this
email to me ? I think not.

My Submission include :

1.Written request was submitted
2.My lease agreement was submitted
3.My PAN CARD ORGINAL WAS SUBMITTED FOR SIGHTING WITH 4.A XEROX COPY
attached as part of submission.
5. My bank account number was written.

I hope i make my point clear to you. the person who took my
application at powai branch is BAGYA SHALINI and she said that
everything is fine and asked me to mention my bank account number also
on the application form.

Now if your highness says that things are not fine by being lazy and
not checking the document and writing to me the credit’s comment i am
really hurt and offended. You just do not care do you ? You are
willing to pay Amitabh Bachan and Sharukh khan the money to do the ads
but not treat the people half as decent who bring in your profits and
salaries to your employees and the money the you use to pay the Khans
& Bachan’s of the world !! Very very strange.

What is the address that is updated in my bank account number ??? That
is the same address that i had requested to be updated on my DEMAT
Account number.

I want my bank account address to be used for all my icici accounts,
so would it be for DEMAT.

I am expecting a full explanation mail from you in this regard and
followed by a phone call ( Number available in my bank account ) Bank
account is linked to my Demat account and if you so lazy to check that
then do write to me i will give you the number.

i am expecting a call from you latest by 5 PM Monday.

I have a Bank Account, Credit Card Account, Loan Account & now i want
to revive my DEMAT account and migrate my investments and others into
ICICI for consolidation, looks like there is no help but a rude
customer service of Mr. “E T Anoop” who’s ego needed to massaged to
check on the details with your brilliant credit underwriters. He can
do it after the trading session only… wow… he is surely holding
the bear away and saving every customer’s money… Must be as he took
about 10-15 minutes to come of phone.

I was not given the Banking Ombudsman details also while requesting
escalation point in your organisation, this is a direct violation of
the RBI guideline and i want explanation for same.

This leaves me with no choice but to write to you for one last time
then escalate this silly thing to Mr.Vaidyanathan.

I am just tired and sick of handling ICICI BANK shortfalls on my
productive day and it is about time i put an end to it. I do not
really think you people realize it.
—————————————————
Standard Sunil Style copy paste end.

Regards,
Ananthakrishnan
09920145224

—–Reply Separator——-Dear Mr. Janardhanan,

We regret to inform you that your request for change of address is
rejected for the below reason:

1.ADDRESS MENTIONED ON PROOF OF ADDRESS IS NOT EXACTLY MATCHING WITH
THE ADDRESS MENTIONED ON THE REQUEST LETTER.
2. PROOF OF ADDRESS NOT AS PER NSDL

We request you to submit a fresh request for change of address in the
records of ICICI Direct.

To place an address change request in Demat and I direct records, we
request you to provide us with the following:

a. A written application for change of address. (In case of joint
holdings, all holders must sign the application).

b. Proof of Identity of all holders along with the original documents
of proof of identity.

I. Passport
II. Voter ID Card,
III. Driving License,
IV. MAPIN Card,
V. Credit cards / Debit cards issued by Banks with Applicant’s photo,
VI. PAN Number (with Photograph)
VII . Employees Identity card with Applicant’s Photo issued by
a. Central / State Government and its Departments,
b. Statutory / Regulatory authorities
c. Public Sector Undertakings
d. Scheduled Commercial Banks,
e. Public Financial Institutions,
f. Professional Bodies such as ICAI, ICWAI, ICSI and Bar Council,
VIII . Identity card/Document with applicant’s Photo, issued by
a. Scheduled Commercial Banks,
b. Professional Bodies such as ICAI, ICWAI, ICSI and Bar Council.

Copy of any one of the above may be accepted for proof of Identity

c. Latest transaction statement of the account received from the
Participant or other communication received by the customer from ICICI
Bank Demat Services;

d. Proof of Residence (new correspondence address) in the name of the
first holder along with the original documents of the new address.
I. Ration Card
II. Passport
III. Voter ID
IV. Driving License
V. Bank Statement / Passbook
VI. Verified Copies of
a. Electricity Bills (Not more than two months old)
b. Residence Telephone bills (Not more than two months old)
c. Leave and License agreement / Agreement for Sale
VII. Self declaration by High court & Supreme Court judges , giving the new
address in respect of their new account
VIII. Identity Card / Flat allotment letter having address issued by
a. Central / State Government and its Departments
b. Statutory / Regulatory Authorities
c. Public Sector Undertakings
d. Scheduled Commercial Banks
e. Public Financial Institutions
f. Professional Bodies such as ICAI , ICWAI, ICSI and Bar Council

Copy of any one of the above may be accepted for proof of address.

You have to submit the application to any of the nearest ICICI Bank
Branch providing demat services and get it attested from the bank
official.

In case of demat account having joint holders, any one of the account
holder can visit the branch under authorization from other account
holders.

The form for change of address can be downloaded from http://www.icicibank.com site

1) Go to Demat link.
2) Click on Service Request (Link on the Left hand Side of the screen).
3) Go to Form for change in Correspondence Address
4) Click on the form “Change in Correspondence Address”

On receipt of address change request at our end, your address would be
updated in 10 working days.

If you are unable to personally visit the Branch, the application for
change of address along with other documents can be submitted through
an authorized representative along with an authority letter. The
letter should expressly state the name of the authorized
representative and attest the representative’s signature.

Also would like to mention that the signature of authorized
representative should match with the signature on Client Request
letter if authorized representative has approached us and the
Signature of the Client on the application would be verified with
signature in our system.

Kindly note that if any of the latest address proofs are not available
with you, you may submit the Latest Bank account statement which
reflects your new address.

Sincerely,

Sunil Goyal
Accounts Manager
ICICI Bank Limited.

“iCLICK-2-GAIN”

“You now have access to real time trading tips on our site, this
feature is “iCLICK-2-gain” & it is available on right hand side of the
equity page”

Register your request for Demat Account Holding / Transaction
statements / bills or query for the status of any form submitted at
the branch by selecting the ‘Create Service Request’ option under the
‘Demat’ menu on Internet Banking.

If you have changed your mailing address or your telephone number(s),
please obtain the Address Change Request Form from our website
http://www.icicibank.com/pfsuser/channels/anywhere.htm or from any
ICICI Bank branch or ATM.

ICICI Bank reserves the right to use its customers’
comments/criticism/compliments in any manner or media and will
exercise discretion in such use.”

—–Original Message—–
From: 507572440@infinity.icicibank.co.in (507572440@infinity.icicibank.co.in)
Date: Thursday, February 07, 2008 12:03 PM
To: infinity_am@icicibank.com (infinity_am@icicibank.com)
Subject: RE: Demat

My respected Sir,

Did you bother to check the system and documents before you sent this
email to me ? I think not.

My Submission include :

1.Written request was submitted
2.My lease agreement was submitted
3.My PAN CARD ORGINAL WAS SUBMITTED FOR SIGHTING WITH 4.A XEROX COPY
attached as part of submission.
5. My bank account number was written.

I hope i make my point clear to you. the person who took my
application at powai branch is BAGYA SHALINI and she said that
everything is fine and asked me to mention my bank account number also
on the application form.

Now if your highness says that things are not fine by being lazy and
not checking the document and writing to me the credit’s comment i am
really hurt and offended. You just do not care do you ? You are
willing to pay Amitabh Bachan and Sharukh khan the money to do the ads
but not treat the people half as decent who bring in your profits and
salaries to your employees and the money the you use to pay the Khans
& Bachan’s of the world !! Very very strange.

What is the address that is updated in my bank account number ??? That
is the same address that i had requested to be updated on my DEMAT
Account number.

I want my bank account address to be used for all my icici accounts,
so would it be for DEMAT.

I am expecting a full explanation mail from you in this regard and
followed by a phone call ( Number available in my bank account ) Bank
account is linked to my Demat account and if you so lazy to check that
then do write to me i will give you the number.

i am expecting a call from you latest by 5 PM Monday.

I have a Bank Account, Credit Card Account, Loan Account & now i want
to revive my DEMAT account and migrate my investments and others into
ICICI for consolidation, looks like there is no help but a rude
customer service of Mr. “E T Anoop” who’s ego needed to massaged to
check on the details with your brilliant credit underwriters. He can
do it after the trading session only… wow… he is surely holding
the bear away and saving every customer’s money… Must be as he took
about 10-15 minutes to come of phone.

I was not given the Banking Ombudsman details also while requesting
escalation point in your organisation, this is a direct violation of
the RBI guideline and i want explanation for same.

This leaves me with no choice but to write to you for one last time
then escalate this silly thing to Mr.Vaidyanathan.

I am just tired and sick of handling ICICI BANK shortfalls on my
productive day and it is about time i put an end to it. I do not
really think you people realize it.

Regards,
Ananthakrishnan.

—–Reply Separator——-Dear Mr. Janardhanan,

Your address change request is rejected as the address mentioned in
the proof of address is not exactly matching with the address
mentioned on the request letter. Further, the proof of address is not
as per NSDL.

We request you to provide us with the fresh request for change of
address in the records of ICICI Direct.

However, to place an address change request in Demat and I direct
records, we request you to provide us with the following:

a. A written application for change of address. (In case of joint
holdings, all holders must sign the application).

b. Proof of Identity of all holders along with the original documents
of proof of identity.

I. Passport
II. Voter ID Card,
III. Driving License,
IV. MAPIN Card,
V. Credit cards / Debit cards issued by Banks with Applicant’s photo,
VI. PAN Number (with Photograph)
VII . Employees Identity card with Applicant’s Photo issued by
a. Central / State Government and its Departments,
b. Statutory / Regulatory authorities
c. Public Sector Undertakings
d. Scheduled Commercial Banks,
e. Public Financial Institutions,
f. Professional Bodies such as ICAI, ICWAI, ICSI and Bar Council,
VIII . Identity card/Document with applicant’s Photo, issued by
a. Scheduled Commercial Banks,
b. Professional Bodies such as ICAI, ICWAI, ICSI and Bar Council.

Copy of any one of the above may be accepted for proof of Identity

c. Latest transaction statement of the account received from the
Participant or other communication received by the customer from ICICI
Bank Demat Services;

d. Proof of Residence (new correspondence address) in the name of the
first holder along with the original documents of the new address.
I. Ration Card
II. Passport
III. Voter ID
IV. Driving License
V. Bank Statement / Passbook
VI. Verified Copies of
a. Electricity Bills (Not more than two months old)
b. Residence Telephone bills (Not more than two months old)
c. Leave and License agreement / Agreement for Sale
VII. Self declaration by High court & Supreme Court judges , giving the new
address in respect of their new account
VIII. Identity Card / Flat allotment letter having address issued by
a. Central / State Government and its Departments
b. Statutory / Regulatory Authorities
c. Public Sector Undertakings
d. Scheduled Commercial Banks
e. Public Financial Institutions
f. Professional Bodies such as ICAI , ICWAI, ICSI and Bar Council

Copy of any one of the above may be accepted for proof of address.

You have to submit the application to any of the nearest ICICI Bank
Branch providing demat services and get it attested from the bank
official.

In case of demat account having joint holders, any one of the account
holder can visit the branch under authorization from other account
holders.

The form for change of address can be downloaded from http://www.icicibank.com site

1) Go to Demat link.
2) Click on Service Request (Link on the Left hand Side of the screen).
3) Go to Form for change in Correspondence Address
4) Click on the form “Change in Correspondence Address”

On receipt of address change request at our end, your address would be
updated in 10 working days.

If you are unable to personally visit the Branch, the application for
change of address along with other documents can be submitted through
an authorized representative along with an authority letter. The
letter should expressly state the name of the authorized
representative and attest the representative’s signature.

Also would like to mention that the signature of authorized
representative should match with the signature on Client Request
letter if authorized representative has approached us and the
Signature of the Client on the application would be verified with
signature in our system.

Kindly note that if any of the latest address proofs are not available
with you, you may submit the Latest Bank account statement which
reflects your new address.
Sincerely,

Sunil Goyal
Accounts Manager
ICICI Bank Limited.

“iCLICK-2-GAIN”

“You now have access to real time trading tips on our site, this
feature is “iCLICK-2-gain” & it is available on right hand side of the
equity page”

Register your request for Demat Account Holding / Transaction
statements / bills or query for the status of any form submitted at
the branch by selecting the ‘Create Service Request’ option under the
‘Demat’ menu on Internet Banking.

If you have changed your mailing address or your telephone number(s),
please obtain the Address Change Request Form from our website
http://www.icicibank.com/pfsuser/channels/anywhere.htm or from any
ICICI Bank branch or ATM.

ICICI Bank reserves the right to use its customers’
comments/criticism/compliments in any manner or media and will
exercise discretion in such use.”

—–Original Message—–
From: 507572440@infinity.icicibank.co.in (507572440@infinity.icicibank.co.in)
Date: Thursday, January 31, 2008 06:09 PM
To: infinity_am@icicibank.com (infinity_am@icicibank.com)
Subject: Demat

Branch Id : Account Id :
Hi There… My Demat account number is XXXXXX:

I had given a request for change of address and PAN details for
activation of the demat account and change of branch to powai.
The request was submitted on 21st and the person’s name is Bhagya
Shalini at your powai branch. She said that it will take 7 working
days. ( I wonder why it takes 7 days though ).

Now i addresses are still not updated in the system and i am getting
frustrated calling the call center.

I have multiple relationships with ICICI and i was wanting to move my
investments & trading from Sharekhan but looks like it is becoming a
looooooooooooong winding process, can you expedite it please.

—–Reply Separator——-Dear Mr. Janardhanan,

Your address change request is rejected as the address mentioned in
the proof of address is not exactly matching with the address
mentioned on the request letter. Further, the proof of address is not
as per NSDL.

We request you to provide us with the fresh request for change of
address in the records of ICICI Direct.

However, to place an address change request in Demat and I direct
records, we request you to provide us with the following:

a. A written application for change of address. (In case of joint
holdings, all holders must sign the application).

b. Proof of Identity of all holders along with the original documents
of proof of identity.

I. Passport
II. Voter ID Card,
III. Driving License,
IV. MAPIN Card,
V. Credit cards / Debit cards issued by Banks with Applicant’s photo,
VI. PAN Number (with Photograph)
VII . Employees Identity card with Applicant’s Photo issued by
a. Central / State Government and its Departments,
b. Statutory / Regulatory authorities
c. Public Sector Undertakings
d. Scheduled Commercial Banks,
e. Public Financial Institutions,
f. Professional Bodies such as ICAI, ICWAI, ICSI and Bar Council,
VIII . Identity card/Document with applicant’s Photo, issued by
a. Scheduled Commercial Banks,
b. Professional Bodies such as ICAI, ICWAI, ICSI and Bar Council.

Copy of any one of the above may be accepted for proof of Identity

c. Latest transaction statement of the account received from the
Participant or other communication received by the customer from ICICI
Bank Demat Services;

d. Proof of Residence (new correspondence address) in the name of the
first holder along with the original documents of the new address.
I. Ration Card
II. Passport
III. Voter ID
IV. Driving License
V. Bank Statement / Passbook
VI. Verified Copies of
a. Electricity Bills (Not more than two months old)
b. Residence Telephone bills (Not more than two months old)
c. Leave and License agreement / Agreement for Sale
VII. Self declaration by High court & Supreme Court judges , giving the new
address in respect of their new account
VIII. Identity Card / Flat allotment letter having address issued by
a. Central / State Government and its Departments
b. Statutory / Regulatory Authorities
c. Public Sector Undertakings
d. Scheduled Commercial Banks
e. Public Financial Institutions
f. Professional Bodies such as ICAI , ICWAI, ICSI and Bar Council

Copy of any one of the above may be accepted for proof of address.

You have to submit the application to any of the nearest ICICI Bank
Branch providing demat services and get it attested from the bank
official.

In case of demat account having joint holders, any one of the account
holder can visit the branch under authorization from other account
holders.

The form for change of address can be downloaded from http://www.icicibank.com site

1) Go to Demat link.
2) Click on Service Request (Link on the Left hand Side of the screen).
3) Go to Form for change in Correspondence Address
4) Click on the form “Change in Correspondence Address”

On receipt of address change request at our end, your address would be
updated in 10 working days.

If you are unable to personally visit the Branch, the application for
change of address along with other documents can be submitted through
an authorized representative along with an authority letter. The
letter should expressly state the name of the authorized
representative and attest the representative’s signature.

Also would like to mention that the signature of authorized
representative should match with the signature on Client Request
letter if authorized representative has approached us and the
Signature of the Client on the application would be verified with
signature in our system.

Kindly note that if any of the latest address proofs are not available
with you, you may submit the Latest Bank account statement which
reflects your new address.
Sincerely,

Sunil Goyal
Accounts Manager
ICICI Bank Limited.

“iCLICK-2-GAIN”

“You now have access to real time trading tips on our site, this
feature is “iCLICK-2-gain” & it is available on right hand side of the
equity page”

Register your request for Demat Account Holding / Transaction
statements / bills or query for the status of any form submitted at
the branch by selecting the ‘Create Service Request’ option under the
‘Demat’ menu on Internet Banking.

If you have changed your mailing address or your telephone number(s),
please obtain the Address Change Request Form from our website
http://www.icicibank.com/pfsuser/channels/anywhere.htm or from any
ICICI Bank branch or ATM.

ICICI Bank reserves the right to use its customers’
comments/criticism/compliments in any manner or media and will
exercise discretion in such use.”

—–Original Message—–
From: 507572440@infinity.icicibank.co.in (507572440@infinity.icicibank.co.in)
Date: Thursday, January 31, 2008 06:09 PM
To: infinity_am@icicibank.com (infinity_am@icicibank.com)
Subject: Demat

Branch Id :

Hi There… My Demat account number is XXXXXXX:

I had given a request for change of address and PAN details for
activation of the demat account and change of branch to powai.
The request was submitted on 21st and the person’s name is Bhagya
Shalini at your powai branch. She said that it will take 7 working
days. ( I wonder why it takes 7 days though ).

Now i addresses are still not updated in the system and i am getting
frustrated calling the call center.

I have multiple relationships with ICICI and i was wanting to move my
investments & trading from Sharekhan but looks like it is becoming a
looooooooooooong winding process, can you expedite it please.
L.satheesh says:
February 21st, 2008 at 9:43 am
Hi Please solve my problem?

Dear Mr. Lellapalli Satheesh,

This is in reference to our mail.

We have verified with the concerned desk and would like to inform you that
your Trading Acount Number 684402 was opened under Scheme H.

Please note as per the said scheme, the Account Opening Charges are
Rs.799/-.

Further, we would like to inform you that as Account Opening Charge is a
one time non refundable charge, same cannot be refunded.

For further assistance, we request you to contact the concerned branch from
where the Application was sourced.

Should you need further assistance, please revert to us.

Thanking and assuring you of our best services always.

With Regards,

Sunitaa Wadhwani
Customer Care Desk
HDFC Securities Ltd.
Contact : 28346600 (Mumbai)
1800-22-9700 (Toll Free)
Email : customercare@hdfcsec.com

NOTE : Every duplicate request of Password / Contract Note / Ledger will
be charged Rs.25/- (w.e.f. 15th Feb ‘08)

P.S: Kindly do NOT Change the subject line of the message

———Forwaded Message————
From: customercare@hdfcsec.com
Sent: 13/02/2008 14:51:29
To: lellapalli.satheesh@gmail.com
Cc:
Subject: HDFC Securities Call ID# 01071659

Dear Mr. Lellapalli Satheesh,

This is in reference to your mail.

We shall verify with the concerned desk and revert you shortly on the same.

Till then we solicit your cooperation.

Should you need further assistance, please revert to us.

Thanking and assuring you of our best services always.

With Regards,

Sunitaa Wadhwani
Customer Care Desk
HDFC Securities Ltd.
Contact : 28346600 (Mumbai)
1800-22-9700 (Toll Free)
Email : customercare@hdfcsec.com

——–Original Message——–
—-Original Message—–
From: lellapalli.satheesh@gmail.com (lellapalli.satheesh@gmail.com)
To: dphelp@hdfcbank.com (dphelp@hdfcbank.com)
Subject: Demat in Net

Name : MR. LELLAPALLI SATEESH
Customer ID: 20369398
Account No : 00771610052585
Hi.

I have applied for Demat & Trading account in your Dilshuknagar Branch,
Hyderabad. I have handed over the documents to Mr.Naveen. While opening the
account i was told that there would not be any charges but when i checked
my account Rs.799.00 were deducted towards Trading account charges. Please
reverse the amount or close my trading account as don’t require if it is
initially charged other than brocking charges.Also mine is a IBM corporate
account please provide all the benefits which i am supposed to get as a
corporate account holder.

Last but not the least i am not at all satisfied by your srevices as there
is too much delay in customer deliverables. To mention few it took 20 Days
to open my Demat account, till now i did not get any response for my online
muthual fund application option which i already have applied 20 days ago.
If this continues i would escalate to upper heads.

Thank you.

Regards.

L.Satheesh
K G M HAQQANI says:
March 21st, 2008 at 3:37 pm
Shri.M.Sebastian
C/o Reserve Bank of India
6-1-56, Secretariat Road
Saifabad,
Hyderabad-500 004
Tel.No.040-23210013, 040-23243970
Fax No.040-23210014
email: bohyderabad@rbi.org.in

Sir

Please kindly find enclosed as attachments my complaints and reminders sent to THE MANAGER, Customer Services, SBI CPSL, PO Box 24, GPO, NEW DELHI 110 001. for corrections of statements and cancellation of SBI credit card no 4006 6760 1961 5163.
The above complaints and reminders were also sent to ‘SBI- truly gold’ via email.
Instead of depositing deposit Rs. 4547 (approximately) immediately into my AXIS BANK account bearing Number: 235010100010539 at the earliest which had been erroneously and illegally collected from me.. SBI Credit Card’s is harassing me.
Hence please kindly settle my case at the earliest.
Thanking You
Yours faithfully

(K G M HAQQANI)
M.No. 9441725466
rajashri says:
April 9th, 2008 at 7:54 am
I was having a SBI credit card no:4317 5751 7462 9429 some time in year 2004 .During that time I used the card for say 1-2 mths. During this time itself they had charged me an Insurance premium of some nominal amount say around RS.40.I had spoken to the customer care centre and they told me that they will deduct this amount in the next bill. But as usual it was not done .I myself work for an Insurance company and why should I buy cheap insurance from SBI.Later , i cut the card into Four pieces and surrendered it in the drop box at SBI fort office ,mumbai.But to my dissappointment till now no action has been taken and thay say that you are over due of Rs .4000 (tentatively)and harassing me on phone at my house as well as office .Ofcourse , I even told the same story as I have narrated to you now ,and the executive from Delhi tells I understand (but then why no action has been taken).each time some new person calls and same story occurs.HE said you pay Rs.1000 and Iwill settle the matter .But why should I pay Rs .1000/ also for no fault of mine? He says we will have to go to court. Kindly , guide me as to what step should I take now .I am totally confused.I do owe credit cards of other banks but they never troubled me this way. Also, I am prompt of paying my dues.
hemal lalit chitalia says:
May 13th, 2008 at 6:11 am
dear sir,
this is hemal l chitalia my credit card number is 4339481306681178 .i tell u one thing ur bank is not proper u dont have enough staff to handle the bank first get proper staff to handle and then start ur business in mumbai wherer every one was customer satisfaction .
i had been charged 3000/ rs late payment fees from ur bank though i had droped cheque on 19 th of april on marine lines drop box .there are other banks also wherer i had deposited at the same time they recived the cheque and ur bank did not recived and the they charged me the late payment charges i feel that u must have kept the cheque purposely so that u can get late payment charges as u need more stafff so that u can pay from our late payment charges .
this is very bad from bank like this i wont be paying late payment charges for sure fo this if i recived any more late payments on my nexr month credit card statement i wont be paying that late payments charges and if this is still not stopped for few months i will stop paying all ur bills .
any of ur collection department or any sort of outisders crooks come to my residence or my office for payments after above months mentioned i will surely go to the court as well as ombudsman along with RBI .
we are not cheaters when the minimum payment was of 1300/- rs i paid 2000/- rs if i was a cheater i would have only paid 1000/- not mroe then the minimum amount .
i would surely send this letter toall the concerned authorites possible .

one mroe issue with barclays i had applied for the loan and they sanctioned me the loan and evertythoing i reciveide the sms that the cheques has been dispatched and sincle 3 months i havent recived the cheque when u dont have proper staff for sending the cheque how would u have the proper staff for collecting i pitty on this bank .then irecvived the policy called safe policy for barclays bank of icici bank this is what u people do i recd that letter of safe policy of barclays but havent recd the cheque what first to launch in India u must have proper staff and people to handle sorry but u dont have both .

i talked to irfan on 13 may 2008 at 11.15 am and then he did not agreed for reversal of late payments charges and then i talked to the supervisor mr hanif he also clearly told me no that i can reverse i think this is a game palyed form ur side ..

regards
Hemal

cc ombudsman
cc midday
cc barclaysbank uk

please take this matter very very seriously
Sajid Shaikh says:
June 16th, 2008 at 9:09 am
Dear All,
i have a Barclay Gold Card and have used it once for Cash Withdrawal, the same was repaid in time alongwith interest. Last month I was offered Priority Circle Membership which I accepted and a charge of 5000+taxes for the same was levied on my Card.Later I came to know that the deal was not good from one of my friends, so I requested thhem to cancel the offer. My request reached to them 7 days before the payment due date. The customer care replied that the reversal was in process again well ahead of the payment due date. The concerned people did not reverse the amount and now I am getting calls, SMS, mails to pay-up. They are not prepared to admit their mistake and asking tme to pay-up the minimum amount before anyhting else can be done. I refuse to pay any amount because I find no fault of mine in the delay of offer cancellation.I have all the mails exchanged in this regard as a proof of my claim.
Please help me.
KUNDAN KUMAR says:
July 5th, 2008 at 4:28 pm
This is trully disgusting and highly terrifying experiences with your fucking services.

My SBI Card No : 4317 5750 3625 0067
Name of the Card Holder : Kundan Kumar
Date of Expiry : 03/08

After repeated follow-up I couldn’t get my validated card.After talking to your Bastards at the Customer Care services, in dusgust I finally cancelled my card on 17th March,2008.

My payment record have been absolutely fair.This is even true after I blocked my card , I made final payment of outstanding dues to close all my accounts with SBI Card. Infact I have paid Rs0.85 paise more than what I owed to the SBI card and the figure is well reflected in the statement generated on 19th May,2008 which was surprisingly received by me that after blocking my card.

Now ,an another idiot in whole lot of your bloody collection , Manish Dewan ,VP-Customer Service has issued a letter claiming that one of my cheque has not been banked - Cheque No.00911 dated 07.07.2006 for Rs.3000/-because it was outdated.It has been been claimed by your fools that the cheque was received on 16th June,2008. This cheque undoubtedly belongs to me from my Mumbai account which was rightly deposited in Mumbai when I was residing there 2 years back.But,being informed in negative of its whereabout by your customer care services, I cleared all my outstanding whatsoever in subsequent months and all the records of my transaction duly reflects the same.

The record is well established and same being in my record maintenance file of my HDFC Bank Account Statement-the Bank Cheque in context and your SBI Card as well.

The latest statement generated on 19th may,2008 reflects that I owe 85 paise on SBI Card.However,I express strong grievances for the same also as my card was blocked on 17th March,2008, how my billing was being continued?????????

To my surprise,how can you put such erroneous dues on me.Do you think when I have blocked my card and cleared all my dues,I shall pay Rs 3000/- as gratifying amount to your services for my association with SBI Card??????????????????No! certainly not! Why would I put in cheque when I don’t owe anything to SBI Card.

Only thing is that you have basket full of Bastards who thinks easy on part of harassing people without an ounce of brain to it.

If there is no outstanding dues on my account,are your people fool to take this cheque as my outstanding dues ? It was lost also because of your stupidity and informed wrongly to me.

I have complete record of all the transactions I have made to date and still If you think I can be any other ordinary customer then its a dirty game and I will not miss an opportunity to take SBI card to highest level of this game to make you people realise putting your fungers in the wrong hole.I will take you guys to highest level of judiciary.

If you have gutts you can try your another set of bastards -your recovery people also if you feel.But be prepared to pay a hefty sum for all your deeds.

I don’t know how you react to my grievances nor I expect any fruitful outcome of this mail.Because I am 100% sure of you nothing better than the rotten lot.

With lots n lots of Grievances

Kundan Kumar
MANJARI says:
July 14th, 2008 at 6:42 am
My card number is 5415382327199758. I had used the credit limit of my card upto some 70,000(approx) in the month of September,2007.I was in Delhi that time. In the very next month I shifted to Bokaro. The first time I got a call from Customer Care Department was in October when I had asked the executive to change my address and collect the amount from my freind. Although the amount was collected from her but the address was not changed.In December I shifted to Chandigarh after my marriage. That time I tried to contact the customer care but in vain… In February I got a call from one of your collection manager Mr Gagan Kohli( With whom I have been in direct contact with for my payments), threatening that if i dont make my payments on time he would harm me and my family. I conveyed him that because my address was not changed and also because there is no branch of ABN in Chandigarh I was not able to make the payment. He then agreed to send one of the executive to collect the payment of Rs 4500/- from me. Instead of my paying the sum the collection agents were visiting my old relatives and harassing and threatening them on phone as well. When I called Mr Gagan Kohli he assured that he would personnaly look into the matter and would make sorry to call to all those who were harassed in this case, which was never done. Since February I am in contact with Mr Gagan Kohli. I have updated my no. and address to him. He arranges to send an executive to collect the sum from me every month. In the month of March when I asked him to tell me the total amount due on my card he assured that he would calculate and trevert back by evening which he never did. I userd to call him one in a week but never got a good response from him. In the month of May He finally said that I need to pay somewhere around 60,000/- against my card. I asked him the option of paying it in one go and in installments both. For which I was again ensured by Mr Gagan Kohli that he would revert back in evening the same day. Not less than 25 times I would have called him for this simple query.Sometimes he was in meeting and sometimes he was out of Delhi. Anyways, whenever he picked the phone he promised to revert in next hour. On 7th or 8th when my payment was scheduled he called me up and said that the total amount to be paid by me was somewhere around 58,000/- if I go for a settlement. I requested him that I would like to make the payment in one go then he said that make the payment of 10,000/- this time and in a day or two he would send me the scanned copy of final settlement after which I can make the payment in one go. I agreed and made the payment of Rs 10,000/-.I waited for his mail but he never replied. I called him again for not less than 25-30 times on both his office landline number and his mobile no. 09811910610 both but most of the time he did not respond and even when he everytime he promised that he would revert back by evening and send the letter. On 20th June he finally sent the scanned of settlement letter which was again wrong ( it was for installment payment instead of one go). When I called him back he did not picked up his phone. After few days when he did he said that mistakingly he has sent that letter and promised me to send correct one the other day. The other day never came as usual. When I called him he never picked up the phone. After my 10-12 calls he responded and said that he cannot get two settlement letter issued for a single card number in ONE MONTH. And thus he asked me to wait for July. When I called him on 02nd July he said that he was not in town and asked me to call on 04th. So did I. He did not picked up the phone. I called him not less than thrice each day. But he never bothered to respond. When I called him from another number he started speaking rudely and said that I have no other option but to make the payment in installments. When I asked him to give the number of his supervisor he said he dont have any supervisor and even if he had he would never give me his/ her number.
I as customer request you to plase solve my problem as I had never expected this from a World class Bank like ABN Amro. And also there is a humble request that please dont keep employees like MR GAGAN KOHLI who although being at such a nice position behaves like illetrate and harrass customers.
Manjari
9988882303
prasanna mishra says:
September 29th, 2008 at 9:41 am
Dear Sir/Madam

I am totally shocked on 27th, sep,08.I am visited SBI-Nizamuddin Branch for Draft(Rs.800 for University fees)but they are not accept & said(K.Visalakshi & Chingasiam both are bank staff) no any draft makes on satarday than that time I so cool & the draft done from PNB.On Monday complain branch banager(R.M.Sinha)said …Aree jao kya ukhar loge.
So, kindly request plese take a action.

Thanks u

Your Emotions
Prasanna Mishra
Prakash says:
October 7th, 2008 at 7:19 am
Hi,

In the case of State Bank of India Vs Usha Vaid & Anr the National Consumer Disputes Redressal Commission termed prepayment penalty for home loan as unfair and restrictive trade practices. The Commission asked the bank to refund the pre-payment charges collected from Vaid, who had shifted her loan to another bank. It upheld that Consumers’ right to avail loans at lesser rate of interest can’t be curtailed by such prepayment clauses. SBI SLP (Civil) 16345 of 2007 against the Commission order in the Supreme Court has been dismissed vide SC order dated 19.09.2008.

Based on this i have approached ICICI Bank Ltd for refunding the prepayment charges levied on me for pre-closure of Home loan which they havent even bothered to respond upon. Hence, i have now decide to claim the same thru Banking Ombudsman / Consumer Court.

Also, to my dismay i found that they deposited 1 EMI PDC in the immediate month after full settlement of the loan for which i had to pay cheque bouncing charges to my bank.

Request you to pl guide / take this cause on behalf of all Consumers.

Thanx,
Prakash…
Radhakrishnan says:
October 28th, 2008 at 8:18 am
Firstly
In your website wherein the postal addresses of icici Bank Ombudsmen all over India is given ,the email address also must be given for easy and faster communications .

Secondly,
in your website http://www.rediff.com/money/2006/nov/17mc.htm
it is given under security precautions that
“Customers should never share personal information like PIN numbers, passwords etc with anyone, including employees of the bank.”
whereas in the website http://www.indiaprwire.com/pressrelease/financial-services/200708234197.htm
it is found that “Protect yourself from Phishing. Never reply to e-mails asking for your password or PIN”.

But, When i contacted the customer care service of the ICICI bank in Secunderabad / Hyderabad in order to retrieve my pass word which i had forgotten ,they told me to give them my Customer ID, my ATM card number ,its PIN number ,My bank Account number to them to give me another e-banking PIN / Pass word. ?
see your site :http://www.icicibank.com/Pfsuser/personal.html
where its given for the “Re-issue of both userid and password :
1. User Id Re-issue

* Call our 24 hour customer service and request for re-issue of user ID
* Authenticate yourself on IVR and get your User ID instantly over the call(enter debit card no and ATM PIN)
Is it all right to give them these details in order to get a new pass word for internet banking facility?

Thridly
I would like to ask you whether you have seen all these comments about ICICI bank from its account holders, given in the website : http://www.arjunprabhu.com/blog/archives/2005/04/27/icici-bank-a-bad-experience-for-many/all-comments/ ?
Have you investigated the matter ?
Vinay Jain says:
November 6th, 2008 at 10:43 am
Please refer comment from Mr. Prakash dated 7th Oct 2008 at 7:18 AM..”In the case of State Bank of India Vs Usha Vaid & Anr the National Consumer Disputes Redressal Commission termed prepayment penalty for home loan as unfair and restrictive trade practices.”

If you have details of this, please share the same with all readers, so that they can be benefitted at large. I would also like to move away from my current Bank and hence looking for details of this judgement.

Thanks.
ashish says:
November 6th, 2008 at 12:25 pm
http://economictimes.indiatimes.com/Personal_Finance/Property/Cities/Pune/A_heavy_price/articleshow/2413822.cms
Vinay Jain says:
November 10th, 2008 at 7:27 am
Thanks Ashish.
Prakash, Can you please share the original ruling of The NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION in case of SBI Vs. Usha Vaid. I understand the ruling reference is “The judgement and order dated 26/07/2007 in RP No.2466/2007 of The NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION, NEW DELHI” ( This I extracted from SC Record of Proceedings http://courtnic.nic.in/supremecourt/temp/dc%201634507p.txt).
While references are made to this case in all news items during Sept 2007, I am not finding the actual ruling given by NCDRD. Ideally one should attach this judgement along with the covering letter to bank while presenting your case for waiver of pre-payment penalty.
Priyanka Soni says:
November 15th, 2008 at 2:33 pm
I have a SIP for Rs 2000 in Reliance Regular Savings Fund. On 03 Oct 08, 2000 Rs were debited from my ICICI Bank Account against my Oct SIP. However,to my surprise, Rss 4000 were again debited on 15 Oct vide two seprate transactions

On approaching Reliance mutual fund customer care they refused to log a complaint advising me to take the matter with my bank. This is the second time i have been charged excess amount in my monthly SIP. Earlier also i logged similar complaint where Rs 2000 were excess debited from my account.
Vishal H. Surve says:
December 13th, 2008 at 6:58 pm
This is Vishal H. Surve holding Barclay Credit Card no. 4339 4844 6175 1885 from Mumbai . I had received call from Barclaycard priority few day’s back. The caller told me that they are offering some facilities to selected Barclaycard holders, which offers free holiday stay with our listed hotels, discounts on shopping from our listed shops etc.
I suppose that they are offering me because I have use the same Credit Card first time and they are offering just to encourage my purchasing with this Credit Card. I ask to the caller if you are offering me the same facility free of cost that kindly provide me the same.
After this I have received one conformation call. This time other caller ask me about my Birthdate,my address,Cell no. Etc
and he had finish without providing my any idea about joining fee, terms and rules for the cancellation of the same service if any.

After receiving statement of Barclays Credit Card came to know that the same offer is availed me by debiting my Credit Card.
On 17/11/08 I had talk with Barclaycard priority customer care regarding the same and they told me to contact on 19/11/08 for feedback.
on 19/11/08 when I call to the Barclaycard priority customer care they inform me that they have check the conversation of caller who offers me the same offer which was in the correct manner & you have given your consent. Now how do I come to know that it’s true. There is no transference between the transaction what is forced on me to pay.
I am receiving almost every day one call from different different caller of Barclay collations Dept. who are forcing me to pay Barclays Credit Card Priority Circle Service fee Rs. 6,000/- and the Service Tax Rs. 741.60.
Now what do I do ? Is I am trapped by Barclaycard priority ?
Ramesh says:
December 29th, 2008 at 7:01 am
I am doing transections online thru HDFC Sec. for last 2-3 yrs. I was
getting Contract Note in PHYSICAL FORM and by E-mail till 15-10-08.
Since last 2 months I recive only e-mail notes. on enquiering I was told
that for physical form It will cost Rs.28 per note. My Accountant has told
to get contract notes in Physical forms only for Income-tax purpose.
I recieved a phone call today from Ms.Seema from HDFC Sec stating that if
my e-mails are bounsed they will send contract notes in Physical form, does
this mean I close my e-mail A/c ?.
If this is a cost cutting measure you can send it quarterly to reduce
cost.
I will like to know experience of other consumers who are using online trading. As per SEBI rules every broker has to give contract note in priscribed formate.
Thanks
Ramesh
Mumbai
Manik Garg says:
January 2nd, 2009 at 9:46 am
Rs 843 have been deducted from my account for non maintenance of AQB for July 08 to Sep 08, but i have maintained the balance and i calculated the same for a period of 92 days and it came out to be above 10,000 then why this deduction is taking place, 8 months back also they have also deducted around 1300 from my account for AQB, i feel my money is more safe at home rather than at ICICI.
Anil says:
January 3rd, 2009 at 12:10 pm
ICICI is really a “chor” bank.

I have a similar complaint as the gentleman above regarding the ICICI Demat address change. It is with the same lady Bagya Shali who works in ICICI Powai branch.

I have been trying to get my address changed for the past six months and more. I will wait for some more time to give the banking ombudsman time to act.

After that, I will vote with my feet and shift all my a/cs, deposits and demat to maybe HDFC or Axis.