Siddhartha s. banaulikar from Marigoan said :

On 08/08/08, i had taken my home loan file from Shiv Tower office, Panaji, Goa of ICICI home loans as i had to undergo very delaying and tedious process for approval of loan. They wanted my mother to be co-owner, my brother to be a guranter, notarise an affidavit myself, etc which LIC housing did not asked from me. On 14/08/08 LIC housing has charged me the processing fees of Rs.5843/- as i gave my file to them for loan approval on 09/08/08. Further i noticed that one of the cheques which i gave to the ICICI bank with A/C payee instruction was used by ICICI employees in the home loan section and was debited in my name intead of ICICI home loan account for amount of Rs.5843/- and that to on 20/08/08. This act on behalf of icici home loan was very bad as i had already taken my file back and instead of returning my cheques they have mis used one of them to withdraw the processing fees. Therefore kindly let me know whether the bank can charge the customer after 12 days since the file has been taken back by the customer. Why the fees was not charged through bank account as done by the LIC housing company. This is illegal, unethical and injustice on part of ICICI home loan. Kindly inquire and return my money and remaining cheques back. Thanking you. Waiting for your early reply