Saturday, March 27, 2010

double standard by Govt, RBI, Judiciary, and media

The ICICI Bank,
Credit Card Dept.,
Reg card no.: 447746985108009
Dear Sir/Madam,
Pl. note that I have been ICICI bank credit card holder for long. I believe in paying my dues regularly. But there r some bad times in life or sometimes bill do not reach us. Many courier even if find our office closed drop the bill under the shutter.Hence it is possible that inspite of best intentions we may fail to pay one of the bill in time.
Similar thing happened when in last October I did not receive a bill and at the same time my mother was seriously ill and finally expired in December.Since I did not receive a bill and payment was delayed u have charged me delay charges of Rs. 350/- and interest on same.
  1. I am ur old and disciplined customer hence I request u to withdraw this original penal charges ( so automatically the penalty on penalty is null and void).
  2. I had requested for withdrawal of charges but subsequent charges were withdrawn but not the original charge.
  3. I realise many people including ur bank top brass are getting such income in this era that petty amount like Rs.350/- penalty and 40% interest  looks very small to u.But I am a property owner of the time of rent act. Mercilessly govt, judiciary has not allowed any increase in rent, landlords are not allowed to charge penalty from defaulter, we can not charge interest more then 9% p.a., we can not afford to go to court( but u have being penal of recoveries agents and legal dept as same r at the cost of poor account holders). In such a low income system how can I afford to pay such high penalty which is irrational and unethical ( but allowed by finance ministry, RBI, courts because they r all in hand in glove with banks, builders, mafias, hoteliers , reliance energy etc and they can do any thing they like, they can increase their charges to to any level and send pathans as recovery agent,banks can afford to pay 10000/- to recover 1000/- this is their mentality.

The Chief Minister of Maharashtra and Finance minister of India and Judges of India,

  1.  Sir/s, My tenants do not pay even Rs. 30/- for using whole room of 200 sq. ft. for a month and I can not charge them penalty of Rs. 5/- and banks are charging Rs. 350/- for + 40% interest. Why this double standard by you? And media allows such double standards, allows reliance energy to loot, allow banks to loot and others like contractors of pay and park to loot but defame and harass landlords? Is double standard a result of double blood in veins?

Thanks and Regards,
Hema Tholiya

Real Estate, Insurance, Mutual Funds, Bonds,
Tholiya Marketing and Leasing Pvt. Ltd.,
"Marigold", the little Party Hall,
Tholiya Bhavan, 10th Rd., Santacruz East,
Mumbai 400055
M: 9324225699

My links and blogs :


For Issues of Sr. citizens :

Issues of Public interests :

precious collections:

From: "" <>
To: tholiya@YAHOO.COM
Sent: Fri, 26 March, 2010 9:01:40 PM
Subject: Your Credit Card Statement for the period 26-FEB-2010 to 25-MAR-2010


Please find enclosed your account statement in a new and improved format. To view the statement, you require an 8-character password.

The first four letters of your password are the first 4 letters of your name as displayed on your credit card followed by your date and month of birth (in DDMM format). The password is case sensitive (lowercase). Please make sure that you do not include any special characters or spaces.

For example, if the name on your credit card is Sujit Sawant and your date of birth is January 05,1950, then your password will be suji0501. If the name on your Credit Card is Dr. Raj Sinha and your date of birth is January 05,1950, then your password will be drra0501.

Please note that you will not be able to open this file or view the file properly with any version lower than Adobe Acrobat Reader 6.0. If you do not have Adobe Acrobat Reader, we request you to please paste the following URL
to download the free version.

  • Please register your ICICI Bank Credit Card for 3D secure to safeguard against online frauds.
  • If you have more than one ICICI Bank Credit Card, each card must be registered individually.
  • Every replaced/upgraded credit card must be registered afresh for 3D secure. For details, visit

Making payments for your ICICI Bank Credit Cards is really simple. All you have to do is to choose one of the following easy methods:
  • For online payment if you have an ICICI Bank Savings Account - Go to and transfer funds from your savings account to credit card account using our Bill Pay facility.
  • For online payment if you do not have an ICICI Bank Savings Account -
    a) Go to > Personal banking > Cards>> Click to Pay and transfer funds from your other banks' saving account to your ICICI Bank credit card account using our Click to Pay facility.
    b) Pay your ICICI Bank card dues from any of your non-ICICI-Bank savings accounts also through net banking if your bank has enabled the NEFT facility. Use Transaction Code 52 and IFS code ICIC0000103 for ICICI Bank as the destination bank.
Make out a cheque/draft on a local bank and drop it into one of the collection boxes conveniently placed at our ICICI Bank branches / ATMs / Skypak drop boxes in your neighbourhood. The cheque/draft should be payable to " ICICI Bank Credit Card XXXX XXXX XXXX XXXX ". Please ensure you drop your cheques 4 days prior to the due date so as to have the payment processed by the due date.
If the card member holds a savings account with ICICI Bank, he/she may pay by giving a written instruction to debit from such an account every month on the payment due date. In case the payment due date falls on a sunday or a holiday, the amount would be debited on the next working day.
The card member may deposit cash at any of ICICI Bank's branches towards his/her Card payment. Payments by cash at branches would attract a fee of Rs. 100.
Discover a new way of paying your Credit Card bills from your bank account anytime anywhere by using ICICI Bank iMobile. GPRS users, SMS iMobile to 56767661. For details, Go to > Personal banking > Cards>> iMobile.

Please note:
If the Card Member fails to pay the Minimum Amount Due by the date indicated in the billing statement, it shall be treated as default. In case of default, the Bank can forward the default report to the Credit Information Bureaus or to such other agencies as approved by law. The time period between the payment due date and the billing date indicated on the billing statement is considered as the notice period for reporting a Card Member as a defaulter. If you have a query or need any clarification you may: (1) Log in to your account online and write to us through Accounts Manager (2) Visit the 'Email Us' link at to send us an e-mail or (3) Call our 24-hour Customer Care We look forward to more opportunities to be of service to you.

a) To view, Terms and Conditions, Go to > Terms & Conditions > Credit Cards
b) To view, Most Important Terms and Conditions, Go to > Personal banking > Cards> Credit cards > Most Important Terms & Conditions

This email message and its attachments may contain confidential, proprietary or legally privileged information and is intended solely for the use of the individual or entity to whom it is addressed. If you have erroneously received this message, please delete it immediately and notify the sender. If you are not the intended recipient of the email message you should not disseminate, distribute or copy this e-mail. E-mail transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, incomplete or contain viruses and the ICICI Bank accepts no liability for any damage caused by the limitations of the e-mail transmission.


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