ICICI Bank Limited
- Illegal charges pre payment charges received by bank Open
I am providing you necessary requested details regarding the issue so that it could be resolved smoothly:-
*. Personal Details:-
-Name: Ashok Kumar Natani (Borrower) ; Mohan Kumar Natani, Santosh Natani, Kalpana Natani, Kamal Kumar Natani and Kusum Natani are co-borrowers.
-Ph. No.: ********** (regd.), **********(alt.)
-Address : E-***, Ambabari, Jaipur, ****** (Raj.)
*. Details of Complaint:-
-Service Name : Takeover Loan and home topup loan
-Complaint No. : SR********* dated *th january, ****
-Complaint Description : We take-over home loan from SBI to ICICI Bank on date **th June, **** vide loan A/C no. LBJAI*********** of Rs.**,**,*** /- and topup home loan on date **st June,**** vide A/C no. LBJAI*********** of Rs. **,**,*** /- and both of these loans were on individual borrower with same interest rate of *.**%.
As per offer letter ( offer letter no. ******* with serial no. *, paragraph C&D) of date **th June,**** it's clearly written that the prepayment penalty on topup loan where loan is given to individual borrower is *%.
According to the serial no. * & *, page no. **, paragraph *, of acknowledgement of customer copy dated **th June, **** it's clear that prepayment charges are nil for topup loan and home loan with floating rate of interest.
Besides these agreements and statements of bank, the bank received prepayment charges of Rs. *,**,*** illegally on date **st december, ****. On **th october, **** the bank issued a letter about outstanding amount in which there was no discussion of prepayment charges, soon after a month or two, when they again issued the letter they included prepayment charges,which is not fair. I am providing you the following details below about the loan:-
principal outstanding amount : Rs. **,**,*** /-
Interest : Rs. **,*** /-
Prepayment charges : Rs. *,**,*** /-
Total Amount : Rs. **,**,*** /-
*. Details of trail mails :- I sent mails on **/**/**, **/*/****, */*/****, **/*/**** to email@example.com.
I tweeted to ICICI bank, FM, and PMO on date */*/****.
I sent registered letter with AD to ICICI bank, Vadodara office on */*/****.
I made many verbal communications with Branch manager vaishali nagar, jaipur.
I also sent mails many times even to RBI.
Please find the attached necessary documents to get to this matter more precisely. I hope you will take necessary strict actions against the authorities.
Ashok Kumar Natani
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