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not reduced home loans for existing customers SIVA-KUMAR-PENDURTI- | Loans and Credit Cards | 1 Reply


I have taken home loan @8.5 on 2006 from ICICI Bank. As of now i am paying @12.75.when ever RBI has increased the Rates immediately will increase the rates. When they decreased the rate.s, they won\\\'t decrease the rates for existing customers. What funda is going on. They are cheating with existing customers. Even we are sending so many mails to ICICI bank, we are not getting any response them.whom we have to approach. Please suggest to me to file case against ICICI BANK.

By IndianMoney Experts - 2013-May-24
Dear Siva, Kindly contact the ICICI Customer Care on Toll free number 1800-22-4848 in order to resolve your complaint. Siva you can say it is an unfair practice that the banks indulge in for existing customers but they have their own explanations as they say that the cost of borrowing for existing customers is high therefore they cannot pass on the benefit of reduced rate of interest to existing customers Hence they make the benefit available to new customers. This logic seems totally flawed. These banks and financial institutions do follow these unfair practices which they do in the guise of pricing of products which seems to be the natural right of these institutions in the absence of clear cut regulatory guidelines. Unfortunately we do not have any other optionbut to pay the interest charged by them .f you feel you are cheated you can always lodge a complaint in District Consumer Forum. You can always look up the website for your insurance needs.
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