Dear Sir

ICICI bank has withdrawn the total amount from my savings a/c of Rs 32941/- on account of a credit card payment which is under the process of settlement which i had informed to the bank a several times whenever your executives called me up. I had arranged a word with that agency, who has undertaken this settlement case and your collections deptt official - Anshuman & other two lady executives (whose identification would be done by me) on 30th March '11 in Jhandewalan, New Delhi office.

I was jobless for about 9 months due to whcih I could not make the payment. had informed bank executives (collections people from the bank when they called me up)earlier a many times as well that due to some genuine personal reasons I am unable to make the payment and will start as soon as the conditions becomes fine for me.

Please guide me that as per the RBI regulations, a bank cannot transfer/freeze any amount to any other a/c be of the same customer without the customer’s consent and without informing him about the same well in advance.

Moreover, the collections Manager - Anshuman, along with the two lady executives on Wednesday 30th March '11 claimed that the bank has the full rights from the RBI to approach other banks where my a/c is lying, if any, and INSTRUCT them to transfer all the money to any a/c ICICI bank wishes and other banks are LIABLE to follow OUR INSTRUCTIONS. And not only that, we have the full rights from RBI to HACK the customers a/c anywhere in order to get the payment.

Request you to kindly guide and help me in this regard.

Shahid Siddiqui
377041600667009