ICICI Bank Limited - ILLEGAL, ARBITRARY BLOCKING AND MARKING ICICIBANK JOINT ACCOUNT AS LIEN
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Complaint by: on October 25, 2012, 2:40 am in Credit Cards

This is to bring into your notice that I along with my husband are joint account holder in respect of
account no. 003401052383 , with ballygunge kolkataThat yesterday I noticed that an amount of about Rs 38500/- is
blocked in our account,
when i made call to icicibank customer care the customer care executive told me that due to lein amount of my
husband credit card,my amount has
been blocked in my account, when repeated inquiry i learned that the amount was blocked on account of credit card
due in the name of my husband individual name
Pl note that nor my husband nor i holds credit card save and except the instant credit card issued to us against FD
made with icicibank, and no overdue is pending in this card, Moreover if supposed any amount is overdue for the
individual
name of my husband, then he is solely responsible and liable of such payment I am not responsible for any individual
dues and act of my husband, and i can not be compelled to make payment on account of the credit card of my
husband, moreover I have not authorized icicibank to deduct such individual liabilities of my husband from my
account,
Please further note that I have migrated to Kolkata after my marriage about 7 years back and at the relevant point of
time of opening the account i was not having any proper residential proof which is necessary to open a saving
account so i have opened this account jointly with my husband,and more importantly you have to blocked the amount
without verifying that if there is any due on account of any credit card of my husband, but in spite of it if suppose there
is any dues on account of my husband individually icicibank can not compelled other to make such payment, since
WE HAVE NOT JOINTLY OR EATHER OF US TAKEN ANY CREDIT CARD ON THE BASIS OF THIS BANK ACCOUNT.
account is mostly operate by me for the Daily needs of my children and household.
I intends to know that if none of the joint holder has taken any credit card on the basis of this saving account from the
bank,and/or also no credit card to either joint account holder is linked with this saving account, moreover can a joint
holder is forced to pay the liabilities and/or dues, taken by the another joint account holder from the icicibank under
his individual capacity?

Complainant's Goal: UNBLOCK THE AMOUNT
Complainant's Target: ICICI Bank Limited
Complaint Location: IndiaWest BengalKolkata
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Recent Comments
4.
Fri, 21 Dec 2012   Message By Complainant SHABNAM ARA

Till date neither the amount is released nor the matter solved, the reader of the forum and misleaded by the bank officilas that they are serious to resolve the matter,I asked from the reader of this forum that after going through my case weather they will feel safe to keep their cash,and banking with the ICICIBank? What provission of law gave the bank the ample power and jurisdiction to lein a joint acccount and asked the other joint account holder to pay the arbitrary amount as demanded by the bank, when in fact the person to whom the bank demanding the money have never entered any contact with bank as defined under 171 of the contact act, and nothing to do with any due of the bank in any of the entities of the bank,

3.
Mon, 29 Oct 2012   Message By Complainant Shabnam Ara

Dear Sir,
I am tankful to your response but till date no step was taken by your authorities to release my account from illegal lein, Please further note that I have written you and others icicibank authorities request them to consider the fact and circumstances of this matter, and the provision of law and release my joint account from lien as your bank above act are illegal, arbitrary, one sided and unjust decision and activities of the icicibank is total violation of the directives issued by the Reserve Bank in relation to banking or other services, on-observance of Reserve Bank Directives on interest rates;
levying of arbitrary charges without adequate prior notice to the customer; without giving ample hearing to the
customer and one sided, against law of natural justice and equity,
That I have received a letter dated 20/10/2012 received by registred post on 26/10/2012, demading Rs 38466/- as due on account of my credit card, please note that till date i have applied or obtain any such credit card,
That it is absurded to learn from your authority letter that lien was marked in result of non payment of the credit card
tICICIBank, I assert that when I have never applied and/or obtain any credit card as alleged by you /or entered into
any agreement or contact as defined u/s 171 of the contact Act with you ,how have you issued this letter to me and how you can you marked lien in my joint account and block an amount of about Rs 38466/-
In absence of any contact with you, No law of the land allows or permit you to seize the joint account, on
account of dues of any account holder under his individual capacity,If there is any dues on account of the individual
person you have liberty to take appropriate step against that person in accordance with law but you can not
compelled other to make payment of arbitrary amount ,and liabilities of others,
I assured you that i don not have any intention to defraud the icicbank, and/or misappropriate any money,i am
ready to settle and pay any actual and/or reasonable dues and/or arear if any lying recoverable from me or under the
capacity of both joint account holder, and/or linked with this account.
Since this account is mostly operated by me for the daily needs of my children and day to day household affairs
please release the amount, illegally lien by your credit card deptt, as it shall be violation of the natural justice and
people shall lost trust and apprehends about the safety and security of their funds with you.

2.
Mon, 29 Oct 2012   Message By Complainant Shabnam Ara

Dear Sir,
I am tankful to your response but till date no step was taken by your authorities to release my account from illegal lein, Please further note that I have written you and others icicibank authorities request them to consider the fact and circumstances of this matter, and the provision of law and release my joint account from lien as your bank above act are illegal, arbitrary, one sided and unjust decision and activities of the icicibank is total violation of the directives issued by the Reserve Bank in relation to banking or other services, on-observance of Reserve Bank Directives on interest rates;
levying of arbitrary charges without adequate prior notice to the customer; without giving ample hearing to the
customer and one sided, against law of natural justice and equity,
That I have received a letter dated 20/10/2012 received by registred post on 26/10/2012, demading Rs 38466/- as due on account of my credit card, please note that till date i have applied or obtain any such credit card,
That it is absurded to learn from your authority letter that lien was marked in result of non payment of the credit card
tICICIBank, I assert that when I have never applied and/or obtain any credit card as alleged by you /or entered into
any agreement or contact as defined u/s 171 of the contact Act with you ,how have you issued this letter to me and how you can you marked lien in my joint account and block an amount of about Rs 38466/-
In absence of any contact with you, No law of the land allows or permit you to seize the joint account, on
account of dues of any account holder under his individual capacity,If there is any dues on account of the individual
person you have liberty to take appropriate step against that person in accordance with law but you can not
compelled other to make payment of arbitrary amount ,and liabilities of others,
I assured you that i don not have any intention to defraud the icicbank, and/or misappropriate any money,i am
ready to settle and pay any actual and/or reasonable dues and/or arear if any lying recoverable from me or under the
capacity of both joint account holder, and/or linked with this account.
Since this account is mostly operated by me for the daily needs of my children and day to day household affairs
please release the amount, illegally lien by your credit card deptt, as it shall be violation of the natural justice and
people shall lost trust and apprehends about the safety and security of their funds with you.

1.
Fri, 26 Oct 2012 - Business Reply from - ICICI Bank Care (ICICI Bank Limited)

Hi,

We have made a note of your account number. Our official will get back to you soon to assist you.

Regards,
ICICI Bank Customer Service Team