I have had a home loan with ICICI and last april in 2007 i had a bounce, which i paid within 7 days. To my surprise i have not even been alerted by the bank that there were some extra charges to be paid by me, after a year suddenly when i applied for a car loan it gets rejected saying you have 12000 rs outstanding with icici and is shown in cibil. i had to go to icici sort the matter and pay 12000 for no fault of mine when this money could have been collected last time itself and should hav hardly been around 1-2 thousand. I have never ever had any problems with HDFC or HSBC but this bank and their staff sucks !!! They never sent a mailer, no intimations, no calls to a customer who is a senior exec, had taken a 43 lac loan for which in 20 years tenure they would earn 3 times of it which means they are to earn around 60-70 lacs from me in 20 years. and to such a customer they cant spend 60-70 rupees in a year to keep him updated of his home loan account. Its really sad and the RBI is sleeping to what Mr. kamat is doing
RE:Most of these Banks suck
by Vinod Chand on May 16, 2008 11:23 AM Permalink
You should only borrow from Nationalized banks. They may not have five start offices but they have a heart. Also, please remember the offices that you fall in love with because of their five star decor have all come from the charges that you paid to these banks.
RE:RE:Most of these Banks suck
by Harit Shah on May 17, 2008 03:08 PM Permalink
Let me assure you, the service in nationalised banks absolutely sucks!!! The whole appearance is so unprofessional, of course, it is improving a bit now, but there is a long way to go. Its all on personal experiences.
RE:RE:RE:Most of these Banks suck
by SRG on Jun 21, 2008 02:07 PM Permalink
You people want every thing spoon fed; You are not even bothered to read the document which you are signing; Just because an agent of the bank comes to your door knocking your ego is stoked and you do not even care to ask to speak to the manager of the branch. You are signing for documents which say you have to pay lakhs of rupees to bank and you do not even wonder why these people are nice to you. The scenario which you call unprofessionalism by nationalized bank is actually honestly. Just wait till you get a nice punch from these MNC jokers. Then you will start singing praises of PSU banks.
RE:Most of these Banks suck
by SRG on Jun 21, 2008 02:01 PM Permalink
Prudent observation; MNC banks and private banks massage your egos and you fall for their theatrics. Then they will fleece you and defraud you with or without your knowledge
