ICICI is one helluva bank which's good and bad. You can't match them for their fast processing, their atms, etc. But, when you are caught on the wrong foot, they are the ones who can screw you all around.
I've been in this catchy position many times. Once I threatened them I'll go the Consumer court and exchanged mails relentlessly. Next time, when I was charged late fees for my credit card, even though it was my mistake, I took those representatives and made them dance to my tunes. I didn't allow them to speak and say 'I don't know this, that.. all you've to do is pay this amount'. I constantly followed them up and irritated them so much, so they waived all the charges against me..
So, the best thing is, catch them first before they swallow you..
