Supposing you have been in touch with the Income Tax department for some dispute, and you are not satisfied with the conduct of the assessing officer with respect to your taxes, you have the ability to appeal against such orders. Suppose your taxable income has been charged more than you think it should be, or a specific section is being used against you which you don’t think should be, or a deduction has been disallowed and you would like to appeal against the order, you can do so.
Within 30 days of the receipt of the order of the assessing officer, download the Form 35, attach the facts of the case and the reason for your appeal and give it to the Commissioner Appeals.

In a far-reaching judgment that threatens the nature of banks to give out loans to people with a high risk, and then when a high number of such loans fail, use force to recover the money, the Supreme Court came out and said that all banks need to use the process of law to recover non-paid loans and cannot use musclemen or other force to recover the loans.
In the case of a lady who was unable to pay some months of her EMI for a Tata Indica car and who was negotiating with the bank, ABN Amro, the bank sent over some people who took possession of the car by force and sold the car. The lady then applied to a consumer court which awarded her damages.

Holding that banks cannot employ force to recover loans, the Supreme Court today refused to stay an order of the consumer forum directing ABN AMRO Bank to pay Rs 71,223 to a woman whose vehicle was allegedly forcibly seized by the bank.
“But whatever, it is, you cannot employ force to recover the loan. You have to go by the law,” a Bench of Justices B N Aggrawal and P P Naolekar, observed, while refusing to stay or quash the order.

This is a good judgment. No doubt banks need to recover their loan amount, but they need to use the legal system of the country to do it, they cannot go ahead with using force or the threat of force to scare the person and get their money back. After all, disbursement of loans needs to be done as a business decision by banks, and they need to set their strategy that they distribute loans based on the ability of a person to pay bank.
And of course, neither the Government that controls the law and order situation, nor the Finance Ministry or the RBI, which are the nodal agencies for the handling of financial details in the country, have taken any steps to clear the laws, or to notify banks about what they can or cannot do.

If you have any issues with your ICICI credit card such as wrong billing, non-receipt of funds, additional interest, wrong charges, etc, then you can either contact the customer care numbers, or directly contact the redressal person or file a complaint at the bank site.

1. Contact person directly for complaints:

Mr. Harshil Mehta, Nodal Officer, ICICI Bank Limited,
ICICI Bank Phone Banking Center, P.O.Box No 20, Banjara Hills,
Hyderabad - 500034

2. Call center details

These numbers are valid for Ahmadabad, Chandigarh, Cuttack, Darjeeling, Indore, Kolkata, Patna, Siliguri, Goa, Karnataka, Maharashtra, Tamil Nadu, Uttranchal, Bangalore, Chennai, Delhi, Guwhati, Jamshedpur, Lucknow, Pune, Andhra Pradesh, Gujarat, Kerala, Punjab, UP East, Bhubaneshwar, Delhi (Mobile), Hyderabad, Kochi, Mumbai, Ranchi, Chattisgarh, Haryana, Madhya Pradesh, Rajasthan, UP West

3. ICICI Bank Complaint Form

Medicine has always been treated as akin to a holy act, with the doctor having control of life and death of the patient. A doctor has always been treated with respect, and in many cases, with adoration. One example is the Dr. Naresh Trehan who is a renowned heart surgeon and is immensely respected all over India. However, things are not always pleasant. With the positive side, we also have the negative side; doctors having inadequate knowledge, doctors out to make quick money. In fact, if you take a situation such as the case of female infanticide where a family will abort a pregnant lady if she is bearing a girl child, it is doctors who are equally to blame. They are the ones who provide the tests, and who actually carry out the abortion, knowing fully well that what they are doing is illegal.
In this case, a doctor was providing medical care to a patient who had come to him for an abortion, and he prescribed some medicines which essentially caused total organ failure in the lady and led to her eventual death. When caught after her dying declaration, he tried to get away be claiming to not be a doctor, but was sentenced by a court:

In the order, additional sessions judge, Rajendra Kumar Shastri, held: ‘‘In my opinion, doers of such ignominious misdeeds as the convict has done in this case do not deserve any leniency.’’ The accused, Sunil Kumar was charged under section 314 of the Indian Penal Code (IPC) for causing death (of the woman) with the intent to cause miscarriage of a pregnant woman.
According to the prosecution, the deceased, Babli had approached the private medical practitioner, Kumar for abortion. Kumar gave her some medicines, after which Babli developed itching and blisters appeared all over her body. The victim then went to the General hospital at Shahdara but did not get any relief. Finally, she was admitted at the Guru Teg Bahadur hospital at Shahdara on March 10, 2005. Babli died a week later. The post-mortem report ascertained the cause of death to be multiple organ failure due to a drug reaction.

Such cases are all the more shocking because of the high esteem in which doctors are held in our society, but the trend will rise of doctors being punished if they commit mistakes or frauds; or otherwise take actions which cause damage or death to their patients.

The case of medicine and treatment, especially related to wrong treatment and diagnosis has developed in India over a period of time. The Supreme Court ruled at one point of time that a doctor should not be punished for a mistake, but the courts are slowly putting medicine under the ambit of consumer rights, and including wrong diagnosis and slipshod treatment as items for which the injured partner can be provided relief.
In the latest judgment, a New Delhi consumer court has held that AIIMS, the premier Government hospital erred in the case of a lady who was diagnosed with cancer and had removed her breast as part of the treatment. Subsequent tests proved that the lady did not have cancer, and accordingly, the consumer court held that AIIMS was guilty of negligence, and awarded compensation of Rs. 5 lakhs to the lady. In this case, the actual removal of the breast after the wrong diagnosis was held to have aggravated the injury due to the impact on the woman’s married life. Read more about this case here:

“Not only was the diagnosis wrong, the examination of the complainant was not proper. It is not a case of an error of judgment. It is a case of either negligence or incompetence of AIIMS doctors, as a result of which she underwent surgery and radio therapy,” said State Consumer Commission president Justice J D Kapoor, holding the premier medical institute guilty of carelessness.
“Giving concession to the pitfalls in the procedure of detecting cancer (through the technique adopted by doctors) … we find that the negligence of AIIMS was limited to the extent of wrong diagnosis that resulted in very serious consequences that the right breast and arm pit of the complainant were removed,” said Justice Kapoor and Commission member Mahesh Chandra. “We deem that a compensation of Rs 5 lakh for the mental agony, trauma, emotional suffering and disfigurement of her body causing immense life-long loss of conjugal bliss, shall meet the ends of justice,” said Justice Kapoor.

Given the extent of commercialization of medicine and health care in our country, with health care treatment hospitals now being listed on the stock market and with a focus towards getting more profits, the need to have the health care system also subject to consumer rights is very important. As an example, people admitted to various hospitals that charge an arm and leg for rooms and medical treatment always complain about some tests being unnecessary, maybe this practise will also come under the scanner of consumer courts at a point of time.