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ICICI BANK HOME LOAN Rupa | Loans and Credit Cards | 1 Reply

21
Jun
2013

ICICI BANK PRESENTED EMI CHEQUES FOR THE SAME MONTH ONE FOR 42k AND THE OTHER FOR 36K, IT HAS BEEN MORE THAN MONTH THEY HAVE NOT REFUNDED MY EXCESS AMOUNT. WHEN CALLED THE PHONE BANKING ONE MISS MONICA AND MR PAUL SAID THEY CAN ONLY PROCESS THIS REQUEST AFTER A WEEK AND ASKED ME TO CALL UP AGAIN AFTER 7 DAYS. WHERE IS MY MONEY? I NEED THIS WITH INTEREST BANK HAS THIS MONEY FOR A MONTH AND NOT REFUNDED I DEMAND INTEREST FOR THE SAME PERIOD.

By IndianMoney Experts - 2013-Jun-21
Dear Rupa, Kindly contact the ICICI Bank Customer Care on Toll free number 1800 333 499 in order to resolve your complaint.The argument of these banks is that since the cost of their funds that is deposits rates were high the loan rates charged for existing customers is high.For new customers the rates charged are lower as cost of deposits for banks is lower due to fall in the deposit rates.This is the banks argument.However existing customers have the balance transfer option where they can transfer the outstanding balance of their home loan to another bank which offers a lesser rate of interest.Always strike a hard bargain and take advantage of the lesser rates. 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 option but to pay the interest charged by them. If you feel you are cheated you can always lodge a complaint with the District Consumer Forum. You can always look up the website IndianMoney.com for your insurance needs.
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