It appears that you are ICICI bank employee (chamcha, sorry you are chamchi of those Jamindars). Anyway I am a customer of ICICI & till date haven't defaulted on anything. But kind of charges they put on my account (& revert back every time after I ask them explaination) are amazing. People like you earn your bread & butter by charging incorrectly to people like us. So thank us everytime you time you eat something, it belongs to our money