Regarding mental harrasement bybank
Querist :
Anonymous
(Querist) 24 August 2024
This query is : Resolved
I am writing to bring to your attention a pressing matter regarding a personal loan I obtained from the Bank. The loan amount was ₹510,000, with a repayment term that stipulated an Equated Monthly Installment (EMI) deduction from my account on the 5th of every month. Despite having sufficient funds in my Indian bank account, ICICI Bank failed to notify the Indian Bank, resulting in an unjust penalty being levied on me. This error has caused me significant mental distress, as I was charged for a default that was not mine. Furthermore, this incident has negatively impacted my CIBIL score, which will harm my financial credibility in the future. Even after paying the penalty, I continue to face mental harassment, making it extremely distressing to deal with this situation.
Thank you for your time and consideration. I look forward to hearing from you soon.
Querist :
Anonymous
(Querist) 24 August 2024
Kindly suggest if i can file a case of 420/ and mental harassment and defamation.
T. Kalaiselvan, Advocate
(Expert) 24 August 2024
No case under section 420 IPC or for mental harassment or defamation is maintainable.
It is just a deficiency in service for which the remedy is through consumer commission. You can sue the ICICI bank which failed to honor the Indian bank's mandated payment towards your EMI payment obligation.
You collect the evidences and file a complaint before the consumer grievances redress commission and seek compensation for mental agony as well.
