You may please visit ICICI Branch and talk personally to those guys. I did the same for my account

James

I can now buy just about anything on EMI by availing of these loans and
credit cards – be it a car, a house, expensive jewellery or a branded watch
that costs almost more than 10 times my salary! What bliss…. and all
because of the availability of credit at this age. Its a lifestyle I
so enjoy, but one which I know I must curb at some point. I have been
telling myself that I should stop spending too much on my card because the
bills at the end of the month tend to bother me. This heavily
credit-dependent lifestyle makes me feel good and experience things I
couldn’t
otherwise, but it also stresses me out every now and then. I tell myself and
I want to stop but I can’t seem to! It’s almost like an addiction now. It’s
frustrating every now and then.

Anyway, logic not prevailing, I have been continuing the same lifestyle. I
don’t think I will ever be able to stop it completely but regulating the
habit is something I am looking at now. I have begun to search for some way
in which I could possible get some professional guidance on “how
much” of this indulgence was ok for me at each point. To what extent could I
indulge and still manage to pay my bills and EMIs? To what extent can I
afford to live on credit and yet not be stressed about the bills?! How many
loans can I take and still manage to pay off the EMI’s comfortably every
month so that I am not in a situation where I have no money in the last week
of every month!?? For how many months of
the year can I afford to continue paying the minimum on my credit card?

Would any of you be aware of any such service that I can avail of? Who do I
approach for such advice? Would be great if you could write in and advise me
people!

Please write to us at headservicequality@icicibank.com with your account number and contact details. Please use subject line as ” Comments from Site”.

Sincerely,

Nazia Sayeed
Office of Head Service Quality
ICICI Bank.

My demat online service are deactivated for last 6 mnths by ICICI and they are not able to let me know the reason for it. ICICI Demat sucks.

I took ICICI homeloan in Jan’2008, that time they gave me Intereste Rate 10.5 and in just 6 months they changed my interest rate to 12..my repayment has doubled from 1coror to 2 corror.

ICICI Homeloan Service Sucks.

I have started moving from ICICI to other banking services due to their pathetic services and lots of hidden charges..

Don’t do any business with ICICI, they are cheater/chores no.1…

Dear Sir/ Madam,

We greatly value your relationship with us. In the context of the developments in the international financial markets, we thought it pertinent to bring to you our perspective of the prevailing situation.

We would like to bring to your attention that the Indian banking system is well regulated and significantly insulated from global developments. This is because it is mandatory for all Indian Scheduled Commercial Banks to retain 34% of the deposit base in the form of Government Securities (SLR) and cash with RBI (CRR). Besides, sound policies of RBI have ensured prudent credit practices in the Indian Banking system.

ICICI Bank is already compliant with the BASLE II requirement in respect of risk management practices and capital adequacy. At 13.4%, ICICI Bank has one of the highest capital adequacy ratios in the Indian banking industry. Last year, ICICI Bank raised Rs. 20,000 crores (US $ 5 billion) of equity capital, which almost doubled our equity capital base. We have a net worth of over Rs. 47,000 crores (US$ 10 billion), again one of the highest in the banking industry in India We have consolidated total assets of over Rs. 4,84,000 crores (over US $ 105 billion), which is diversified across a wide range of asset classes across retail, wholesale and rural banking.

ICICI Bank is amongst the most profitable banks in India. In FY 08, ICICI Bank made a profit of Rs. 4,158 crores (US$ 900 million).

ICICI Bank has the highest credit ratings in the Indian financial sector. We have AAA ratings for our instruments, such as senior bonds, subordinated bonds, and deposits. We have the highest foreign currency bond ratings assigned to any Indian bank from Moodys and S&P.

We continue to invest in growth, indicating our confidence in the opportunities in the Indian market. In 07-08, ICICI Bank added 650 new branches, taking the total strength to over 1400 branches.

We thank you for reposing trust in us over the years. We look forward to setting new benchmarks in service levels in India and to create a bank that you will continue to be proud of.

As a testimony to the above, please find below the clarification given by Reserve Bank of India.

Date : 30 Sep 2008
RBI Statement on ICICI Bank’s Financial Position
There are reports in some sections of the media that based on rumours regarding the financial strength of ICICI Bank, depositors are withdrawing cash at its ATMs and branches in some locations.

It is clarified that the ICICI Bank has sufficient liquidity, including in its current account with the Reserve Bank of India, to meet the requirements of its depositors. The Reserve Bank of India is monitoring the developments and has arranged to provide adequate cash to ICICI Bank to meet the demands of its customers at its branches/ ATMs.

The ICICI Bank and its subsidiary banks abroad are well capitalised.

Alpana Killawala
Chief General Manager

Press Release : 2008-2009/412

Sincerely,

Uma Lakhani
Office of Head Service Quality
ICICI Bank Ltd.

Ihave a si9milar experience while dealing with City Bnak. I have taken a home loan @9.75% before 3 years. They increase the rate of interest every year without any reason. Presently it is 13% which is highest home loan interest rate in ther world. Even the Reserve Bank of India is also helpless. These private banks are big cheaters.

Please write to us at headservicequality@icicibank.com with account number and contact details. Please use subject line as “Comments from Site”.

Sincerely,

Uma Lakhani
Office of Head Service Quality
ICICI Bank.

Please write to us at headservicequality@icicibank.com with account number and contact details. Please use subject line as ” Comments from Site”.

Sincerely,

Uma Lakhani
Office of Head Service Quality
ICICI Bank.

I have a home loan with ICICI bank . I wanted to change the ECS from one bank account to other bank account .
When I approached the ICICI home , they said I have to pay 565 Rs as ECS swap charge.

When opted for the loan with ECS, they didnot charge any penny as ECS swap charge while taking the loan and later when I changed my monthly EMI , that time also payment mode was ECS .They didnt charge any penny for that.

Now they are asking 566 Rs as swap charge.Is that common across all banks?
.When I appraoched the bank, they said I have agreed upong to the condition for this kind of charge.I am okay to pay as max of 250Rs for this , not this 565 Rs.
Is this charge common across all banks?

Thanks,
Arul
j_jeyananth@yahoo.com

about multiple accounts it is an indl decision
like multiple mail acs

about banking and trading.. as long as a service works for u.. there is not much incentive to change the corporation…. btw what could be benefit of having multiply bank accounts…
i was supposed to go to ladak this month, but somehow i had to cancel it… but next year definitely

hdfc bank netbkg interphase is unmatched
the best thing is to collect from branch
if u dont know the staff and build a rapport
with the staff

kotak was abt share tradg
Relicare (ranbaxy group)- no clue is it medical 80d type thing
also reliance money is here

a mix of 2 or 3 accounts is best

and abt sbi it is a fact cause i had wdn from leh !
ok sometimes their vsats were down but one could manage, this is a big boon to the army and the
ladakh scouts and others and the most advanced bankg branch in the siachen sector of combat
though sadly their branch servvice suks bigtime!

u must visit ladakh at least once in ur life!

//if u want service go straight up send a letter to the ceo or cgm of ur state or say the ombudsman at the least then see how the ball rolls//
yups I have written this letter to the customer relationship head… if he does not pay attention to it in a week.. i think i will take the legal course… i just want them to suffer as much as they have made me suffer.

//hdfc bk tech is the best
but their human interaction suks !//
i had asked them for a simple demand draft…. and that demand draft never reached me… i think it costed me more to track it.. then i had to sign on a 100/- stamp paper to make them issue a new one….

//i once withdrew from leh ladakh!//
i do not have a SBI account.. but i have also heard similar stories… looks like its time for me to reinvest in SBI (i had invested 3 years ago when Bank PSU were trading at a PE of 4 and doubled my money)

//Foreign banks though good kinda suk on the interest rates and the cost of service —Cgs !//
1) what is CGS?
2) in savings u get 3.5%interest… what am i going to do with it? if i need interest i will take up FD/bonds/stock market… not savings.

//ur lucky if icicidirect is working for u//
amazing service.. and good website… what else do i need.

//dont have probs with sharekhan //
if u read the link in the post.. u will realize how pathetic their service was.. plus every now and then their website crashes.

//yet but the best is kotak or kotakstreet man they charge but give great service and their automation is world class//
i have heard that Relicare (ranbaxy group) provides one of the best solutions.. ne idea?

//for the best bkg service try a SAFE SCHEDULED local coop bank cause they realy have to work to keep customers//
actually i want internet banking… so that i can transfer money from place A to B without visiting the branch or waiting endlessly at their call center. since Citibank works for me.. i think i will stick to it.

//sometimes they beat all the competition//
yups that is the only solution to all our woes.

ur lucky if icicidirect is working for u
else they had a bad history of poor cust service
also 5 paisa suks!

dont have probs with sharekhan yet but the best is kotak or kotakstreet man they charge but give great service and their automation is world class

for the best bkg service try a SAFE SCHEDULED local coop bank cause they realy have to work to keep customers
sometimes they beat all the competition

.. i think its high time… we should take them to court for all the mental agony they caused….

I have a account wid HSBC..and it rocks..

I recently went there to get my bank statments attested ..i was treated like a king..by beautiful ladies..also the work was done in no time..

I like their kind service

also everything is online…so no headache!