Dear All,

In a quick response to my complaint ICICI bank has responded favourably and assured me of withdrawal of the charges. The issue with ICICI bank for now is amicably settled but:

Will RBI and Finance ministry act and ensure that policy of just and reasonable charges are framed.
That on one hand no one dues the system and on other hand a small fry like me is penalised by heavy charges.
That Govt of Maharashtra acts and frames just and fair rent act.
That suprenme court does not bow down to Murli deora and other vested interest and does not delay rent act case lying before supreme court for years and years.
That rent act courts do not take 30 years to pass prders. One of my tenant has filed a case thru one of the costliest Ad Nathani and has not seen light of day since 1990. He gets adjournments and adjournements and files neweer interim applications and delays the matter and court follows his dictates.
That Malaya of King fisher gets credit of 7000 crores for bringing our calenders everyyear with naked girls but same banks, petroleum cos , govt does not give loan to a educated poor girl for starting her own career. My daughter is struggling for 5 years to get a loan from bank for putting up her own clinic but she is not eligible as per RBI and finance ministry and govt of India.
Seven hills hospital was given prime land with condition to serve poor by providing 20% bed for them. No bank guarantee was taken . But I want to build on my own freehold land hospital for poor but my lats 3 years IT returns disqualify me form getting such loan to make a welfare hospital.
Govt of Maharashtra gave land for free and MP built communitry hall thru MP LAD fund in Santacruz East. The hall is used for commercial purposes. And water and other facilities come at special rates as hall is declared as community hall. Any one can come and see and I will take you there and show the usage and the granite boarddeclaring it to be community hall. But the mini hall which I made for social acitiviteis but to recover some cost I give for commercial purposes. Same is on my own freehold land.Same is repurchased at present rate from tenant who weere not residing there any more but did not vacate. No sooner I took over it I declared same as commercial and started paying all charegs as commercial. Municiapl staff resisted. They said do not convert residential to commercial and share half saving with them. Still I applied for commercial connection. They harrassed me. Delayed same for 6 months. Local corpotaor for whom I had worked hard to introduce him to voters in my arae asked me to approach BMC plumber "Star" who demanded Rs 30000/- extra for bribe etc and only then connection was given and that too only half inch as they do not have smaller then that. But Tata Nano, big builders, Mukesh Ambani, Sharukh, Lavasa, get all liceneces , permissions, connections on their tables as they can partner with bureacrats and politicians and loans r given to them at concessional rates which they may not repay but small timers are thereatened and asked to donate kidney if they do not pay. Will banks ask kidney form Vijay Mallaya??????????????????????????????????????????????????????????????????????????????????????????????

I can go on and on with present system but for now atleast stop by saying that ICICI Bank has explasined me their terms and settled the issue with in their reach and now ball is in RBI, finance ministrys court to act on issues raised by me.

Alok Tholiya

on behalf of Hema Tholiya

To,

All those concerned by looting of banks :

Read my mail to :

The CEO,

ICICI Bank ,

Hon Chief Justice Supreme court of India ( slow judicial system),

Ho, Finance minister, ( Hands in glove with looters of economy)

Hon. Governor , RBI, ( Hands in glove with looters of economy)

I believe the card is more then 5 yrs old but that may be a different ICICI card.

I have always paid regularly butÂ

1. Once the bill never came. Thanks for reversing charges.Â

2. I sent the chk but did not reach your bank as claimed but charges were reversed then .Â Thanks.

3. In present case . In 50 days both my parents expired and suddenly. Still chk was sent to ur ATM nr reliance energy counter at santacruz east but they have stopped the drop box system and I dont know what happened to that check and i immediately on knowing made payment. Yet Rs 400 /- is charged against outstanding of Rs 500/- Â ( how the charges can be 90% of dues in question ) and interest rate isÂ mindbogglinglyÂ high.

My questions Â are:

1.Why drop box facility is stopped in ATM.

2. Why there r no other drop Â box in santacruz East Vakola area.Â

3. Why the delayed payment charges are so high.Â

4. why interest rate is so high/

5. Pl. explain : Â Â This would also help you to prevent any negative points in your credit rating. What do u mean by this ??? Â Are individuals rating done by mere delay in payment even when crisis in life are there?? When all actual usage amunt is paid and there is a dispute in paying unjustified high amount of penalty and interest.Â

To, The governor , RBI, andÂ

To, Hon Finance minister,

Pl. ensure that no adverse credit rating of any individual is done if all loan , usage amount of credit card etc are paid and there is a dispute in bank charges which are fixed unilaterally, are very high, and are comparable to patahan / colonial / sudkhor era. bent towards capitalism and govt is allowing this / is party to this shows they r hands in glove in this loot game and their claim for democracy for common man , socialism . and citizens welfare is onlyÂ sloganeering. No other institution charges such high penalty and interests. Why RBI allows that for banks??

I am a shelter provider to those migrated to Mumbai as homeless and would have lived in slums or footpath. But the landlords gave them house so they could call their female to liveÂ decentlyÂ , so that they do not go on highway and railway lines toÂ attendÂ to morning calls but the same government does lot allow to raise rent so we are still left toÂ manageÂ with Rs 30/- per month per room. That means for using the whole room of about 150 sq feet we can charge only Rs 1( ONE) per day. Then they use common [passages, toilets, garden , terraces , and whatever legally and illegally accessible), then they abuse and threaten landlords, then they illegally park cars in premises worth even Rs 8 lacs + , etc etc and yet pay no rent for 25 years , not evenÂ meagerÂ Rs 30/- per month. Options before me are pay 2000/- to recover Rs 30/- to advocate for notice. Then pay Rs 1 lac + , then xerox charges, then tips toÂ bailiffÂ for serving summons, pay so many out of pocket expenses and file a case against non paying tenant. Then use dirty paan spitted everywhere corridors, stairs, toilets of these great places of Justice of India , then waste your whole life on court benches as Judges get their salary and promotions even if they give only adjournments, advocates get fees in advance even if you have to chase for them asÂ beggarÂ when matter is called out, you keep giving tips to staff of advocate and courts and get nothing form any one of them for 20 years. And no court is charging Advocates for appearing without preparation, for not filing due papers in time, for parties not remaining present but banksÂ changeÂ likeÂ nibble-manÂ and thrive on such charges , make palatial offices and house with swimming pool for CEO of Â ICICI bank. With this unjustifiable high penalties and interest. Am I slave for free person. IÂ haveÂ to pay Rs 40/- for pay and park for Â 1 hour pay such high bank charges but recover Rs 30/- per month Â for 150 sq feet and yet pay ever increasing municipal taxes from my pocket. All this is fixed and run and decided by govt, judiciary, andÂ bureaucratsÂ Â of which I am a slave but called citizen with equal rights andÂ privileges. What a cheating and fraud and day light robbery by all above. And worst is we have to bow to suchÂ peopleÂ who do not deliver justice for decades as Â slaves have been bowing to their masters.Â

And my proffession: As a insurance agentÂ clients do not want to fill form, want me to remind several times, want me to collect premium, help in claims, and do lot of other work ( like change of address etc ) but they want back my commission. But I have to pay to all thru noses.Â

May be only lucky get a proffession where they can dictate, not perform and yet suck the blood.Â

To, ICICI Bank,Â

Pl. give me final figure of penalty which I can pay and cancel this card there after.Â

Thanks and Regards,
Hema Tholiya,

Marigold Hall,Tholiya Bhavan,

10ThÂ Rd., Santacruz East,

Mumbai 400055

9324225699Â

" Intense hate anywhere interferes with love everywhere ! "

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