bank account closer
Querist :
Anonymous
(Querist) 25 June 2011
This query is : Resolved
i have salary bank a/c in ICICI Bank,
bank converted it to saving account due to non transfer of salary, i withdraw 3000/- from my account, because bank asking for maintain min. Rs.5000/-, i requested to bank for close my account with mail, but they refused & asked to go to bank at chandigarh
now every month bank sending me statement with debit balance with QAB charges every quarter, debit balance going high, i am not using this bank account from last 3 years,
how i close bank a/c and can i pay penalty that is debited to my account now debit balance is aprox. Rs.10000/-
if i can't close bank a/c debit balance increasing day by day,
what any bank do for this type of accounts
are they close or block this type of accounts them self or they send legal notic to there customers to pay debit balance
kindly help me
prabhakar singh
(Expert) 25 June 2011
practice at other bank is 2 treat a/c close or block this type of accounts them selves but ICICI Bank,is notorious.
Querist :
Anonymous
(Querist) 25 June 2011
thanks for reply, can any bank send legal notice to there customers to pay debit balance
regards
prabhakar singh
(Expert) 25 June 2011
depends on bank and rules of a/c framed by bank which is binding on customer.
Isaac Gabriel
(Expert) 25 June 2011
There is provision to convert the account as zero balance account.The banks charge for everything and anything.Initially no charges were collected forissue of cheque books,funds transfer, remittance etc.,After the core banking, introducing minimum balance,customers are taken for a ride and indiscriminate deductions are made without the knowledge and consent of the customer.
Querist :
Anonymous
(Querist) 25 June 2011
thanks for knowledge,
i don't want to continue with ICICI bank, i m not using my a/c from last 3 years,
if bank deducts QAB charges, or another bank charges and bank a/c goes zero balance or debit balance what should a account holder do?
regards
mahendrakumar
(Expert) 26 June 2011
sent a regd letter asking them to close your account along with a copy of the email sent earlier.
New generation Banks like ICICI has no etiques in this regard.
