Legal Question in Consumer Law in India

ICICI Credit Card-Auto debit from savings account without intimation or approval

Regarding a credit card payment which was under dispute for a long time.The collections agency agreed on settling a balance of Rs. 24,000 (approx) with Rs.9,500 due to the dispute.Just when the settlement payment was being made the collections department without intimating or approval deducted the balance Rs. 23,315 from my savings account with the same bank. After repeated attempts and requests no response from the bank.

Also till now Rs. 600 which was the balance left is being inflated with late charges and the balance now has reached Rs.2,400. Customer care not ready to close the account and is harassing for more and more payments.

Need a refund of the Rs.13,815 (balance after the actual settlement of Rs.9,500 agreed upon) and cancellation of the account with NIL balance.

A case in the consumer court has already been placed but would require some more useful advise on the entire matter as this has left to a lot of harassment, humiliation and mental stress on the consumer.


Asked on 3/23/06, 1:13 pm

1 Answer from Attorneys
Mahesh Gupta Medico-legal Advocates and Consultants

Re: ICICI Credit Card-Auto debit from savings account without intimation or approval

1. Since you have already filed a case in the consumer court, it is best to seek any further advice strictly in relation to the case as filed.

2. If the complaint filed in the court has been drafted by yourself, it is highly advisable to take help of an advocate.

3. If you send me complete actual copy of the complaint as filed in the court, along with other details, indicating what has happened on various court dates so far and when is the next date due, I can help you.

M C Gupta

M.D., LL.M.

Advocate

Delhi

[email protected]

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Answered on 3/24/06, 10:16 am


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