You may lodge a police complaint under acknowledgment and obtain complaint number and demand that ownership detail of phone numbers from which calls are made be provided to you also.Later you may demand to know the status of action taken thru RTI.
You may submit a representation in writing under acknowledgment to local BM of ICICI bank and take prominent person along with you e.g. councillor and demand that name of firm/company, Propr/Director, manager, executives of coolection/recovery agency, who have been calling from phoen numbers.............on dated.........at time........be provided to you by letter on letterhead of the bank under original seal and signature of BM.You may make BM a party in your police complaint.
You may record the phone calls and speak date and time and ask the calling person his/her name, designation, dept, address with pin code,name of his recovery firm,its propr/director, manager, and name of ICICI bank's manager who has forwarded your phoen numbers and credentials to recovery agency.You may also demand certified copy of loan application, loan agreement, KYC docs collected by bank, loan approval letter. Bank has to meet guaranot in person, to obtain signature in person,and see originals of KYC docs and write OSY under seal and signature of the comeptent employee of the bank. Who has endorsed meeting your grandfather and OSY? Bank is under obligation to supply the docs to substantiate its claim. bank shall approach gurantor if bank has failed to locate and recover loan from loanee.Guarantor should help the bank to locate and make the loanee available. You should narrate in writing all calls made by agents, telescriptt of the calls and statement of the bank thru its agents that it shall call your { son and grandson of your grandfather} relatives and friends.If your grandfather is a senior citizen involve welfare society officials and insult this BM by creating a gathering in the bank. Call media and shoot letters to MD,Nodal Officer, Chairman of the bank and demand that they beg apology in writing, and supply you the complete identitiy of the calling persons with the copy of their employemnt forms and thier current res. and permananent address so that you can sue them in their indivisual capacity.
Collect complaints against this bank from various online consumer portals and make a file and publish the huge number of complaints against this bank in media online portals. Just type consumer complaints on GOOGLE and you shall get huge number of comaplints.Tame and shame them.
ICICI bank and HDFC bank top in flouting norms.
RBI has issued clear instructions that agents can not call a person multiple number of times in a day, can not be rude, coercive, threatening.
Even if your grandfather has in reality provided guarantee bank and its agents can not call your father, you leave apart
your friends relatives. Ask all of your relatives to record calls and be your witness.
By now bank would have reported your grandfather as defaulter in credit rating companies e.g. CIBIL. Demand copy of the CIBIL report from bank and certified copy of the communication by email/letter whihc bank has sent to CIBIL to include your grandftaher in list of defaulters.
Adopt TIT for TAT approach.
There are consumer help groups who have helped many citizens.You may lodge a complaint with them.
The consumer court judgements gainst this bank can be seen at
CONFONET
You may issue legal notice to the bank's MD, Chairman, local BM and demand each and everything mentioned above and any other doc,record, data which may think of and apology in writing.
ICICI bank has posted on its website:
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If a customer's family member has defaulted, will it affect the customer's status in CIBIL's records?
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The CIBIL report has information of loan/credit details of the borrower only. Therefore, for a retail customer, it would not matter if someone in his/her family has defaulted. If the customer's repayment track record is okay, his/her credit score will not be affected by that of his/her family members.
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Bank should not disturb the family members.
