Hello there...This is Shishuraj Yadav, a Law Student as well as a Government employee.
Subject: What should i do when an ICICI Bank employee assured me that I will get NOC from bank with in 8 days after paying certain amount to bank, but i have not got NOC till date. This is third month.
Issue: I took personal loan from ICICI Bank and Credit card. I was paying the installments but latter on due to my poor financial condition i became a defaulter.
In the month of February 2014, a third party of bank (called recovery agent) traced me out. i got agree to settel all my dues with bank. I repeatedly ask the bank employee (Desegnation-DM) please clear all the dues of bank on me.
That employee assured me that after paying the said amount you will get NOC from any branch within 8 days . I again ask about her assurance...she told me that i have check every products whether it is motor vehicle loan or personal loan etc., apart from this current PL there is nothing to pay, you need not to worry about that by saying "I am sitting here to give you NOC".
Now in the month of June 2014, again i am getting call from recovery agent that i have to pay certain amount to ICICI bank regarding personal loan number XYZ. I described them the aforesaid facts and i approached to the Bank employee who setteled my dues.
Firstly, she accepts her assurance about all that what she told me but latter on when her senior (Designation- RDM) came on conference call she denied the thing and start saying that it was not my fault, i have limited power to say about anybody, it is a technical problem.
Recovery agents visited two times in my office without an appointment. I took picture of their I-Card and his pictures and said that don't come without appointment and said all the aforesaid things but this recovery agent keeps calling me all the day, sometimes after 5pm.
NOTE: when this mess stared again, I recorded every conversion regarding this including the bank employee who assured me about NOC by saying mei deny nahi kar rahi hu sir...lekin paisa aapko dena hoga....
Question: What should i do? What is the legal remedy of tis situation?