ILLEGAL PRACTICES IN ICICI BANK UNDER PATRONAGE OF SENIOR OFFICIALS

To- all leading and esteemed Newspapers and News Channels : SUBJECT- CREATION OF FAKE LAON APPLICATION NUMBER, FAKE LOAN ACCOUNT NUMBER AND MANIPULATION, CREATION OF FAKE DOCUMENTS AND TEMPERING OF ELECTRONIC RECORDS BY SENIOR OFFICIALS OF ICICI BANK, WHICH IS A REGULAR FEATURE IN ICICI BANK.

QUESTIONS FOR THE HON’BLE PRIME MINISTER OF INDIA, HON’BLE FINANCE MINISTER AND HON’BLE GOVERNOR, RBI, NEW DELHI

a) What is the safety of “electronic records” and “property documents” in ICICI Bank.

b) How fake Loan application Numbers are created in “electronic records” in ICICI Bank.

c) How fake Loan Account Numbers is created in “electronic records” in ICICI Bank.

d) There is a big “Question Mark” on the workings of the ICICI Bank in particular and banking system in general.

e) The public money and property of customers is at stake. Proper scrutiny of the entire system in ICICI Bank is the need of the hour.

HARASSMENT AND TORTURE OF SENIOR CITIZEN AND COMPELLING HIM TO PAY EMIs ON FAKE LOAN ACCOUNT NUMBER IN PURSUANCE OF FAKE LOAN APPLICATION NUMBER CREATED BY THE BANK OFFICIALS, INSPITE OF THE FACT THAT THE UNDERSIGNED HAS ALWAYS PAID AND IS ALWAYS READY TO PAY THE EMIs AND IS REGULARLY PAYING THE EMIs AND EVEN MADE THE “FD” IN RESPECT OF THE SAME.

Dear Sir,

The undersigned who is a senior citizen of more than 70 years of age, is a victim of blatant “manipulation”, “creation of fake documents” and “tempering of electronic records” by the senior officials of ICICI Bank, which is a general practice in ICICI bank.

PRESS and MEDIA has always done marvellous and commendable job in exposing the illegal activities in the banking industry. The undersigned hereby ask the following questions to the HON’BLE LAW MINISTER, HON’BLE FINANCE MINISTER AND HON’BLE GOVERNOR RBI AND OTHER LAW ENFORCING AGENCIES:

1. Is to raise voice against the “unfair” and “illegal practices” of ICICI Bank a sin?

2. When a person is paying the EMIs and is always ready to pay

the EMIs, can the bank officials threat and compel him to pay on fake, forged and manipulated LOAN ACCOUNT NUMBER, which do not belong to the applicant, under threat of illegal action.

2. Can a senior citizen aged more than 70 years be “tortured”, “harassed” and “threatened” by senior officials of ICICI Bank to cover up their own “manipulation”, “creation of fake documents” and “tempering of electronic records”.

The answer is NO? Though it is unbelievable, but it really happened.

LATEST INCIDENCE

A person visited the undersigned on 17.04.2013 at about 10.30 am on behest of senior officials of ICICI Bank, harassed the undersigned and threatened HIM to get withdrawn the case FILED by the applicants against the top officials of the ICICI Bank before the Secretary, IT, Delhi for manipulation and tempering of electronic records by ICICI officials, otherwise they will capture the bunglow of the applicant and shall even manage the proceedings in IT as well because high ups are involved and the reputation of the bank is at stake.

The undersigned was shocked at this and had to take the medical assistance due to severe harassment by the said person at the behest of senior ICICI Bank Officials.

Everything is on records and documented. Such conduct is not permissible under law.

BRIEF FACTS OF THE CASE

The undersigned, along with his son Manish Goel, who is co-applicant, applied vide Home Loan Application No 9990045712 for Home Loan in ICICI Bank for 1.3 Cr. The said Loan was sanctioned and a Home Loan Account Number LBDEL00001532513 was assigned to the applicant.

Here are two aspect worth-mentioning. Firstly, the home loan application number becomes the File No. / Agreement Number and as a measure of inherent security and transparency of banking system, only one Home Loan Account Number can be assigned to a particular Home Loan Application Number. There cannot be two Home Loan Account Numbers on single Home Loan Application Number.

The officers concerned of the ICICI Bank in order to show performance, meet their service targets, and get promotions “manipulated and tempered the electronic records, and thereby:

· Created in electronic records fake and false Home Loan Application Number 777777900, in place of Original Home Loan Application Number 9990045712. As the application number becomes the file number / agreement number, there does not exist any file / agreement number 777777900 executed by the applicants.

· Created in electronic records fake and false Home Loan Account Number LBDEL00001747368, in place of Original Home Loan Account Number LBDEL00001532513

· The said Loan Account No. LBDEL00001747368 has been illegally created by the ICICI BANK is further substantiated and corroborated by the fact that the ECS mandate given by the applicant on the original loan account no. LBDEL00001532513 got automatically invalidated by the illegal change of loan account number and there is no ECS mandate on the illegally created loan account number LBDEL00001747368. This precisely demolishes all the lame excuses of the ICICI.

· The concerned bank officials misappropriated the documents mortgaged on Original Home Loan Account Number LBDEL00001543513, as per file number / agreement number 9990045712, to illegally created Loan Account Number LBDEL00001747368 which do not belong to the applicants as no file number / agreement number bearing 777777900 was ever executed by the applicants.

· Mr. Kiran Deep Sharma of ICICI in his email dated 28.05.2010 categorically stated that our loan account number has been changed owing to SYSTEM ERROR. Earlier Mr. Rohit Rathi in his email dated 07.11.2008 categorically and unambiguously admitted that there is some SYSTEM ISSUE., which further proves that there is no “safety” and “security” of the ELECTRONIC RECORDS in ICICI BANK.

· Created forged documents including “Proposed Sale Deed” dated 30.11.2007, certified copy of which was made available to the undersigned on 22.05.2012 by Mr. Harmandeep Walia of ICICI Bank. The said proposed sale deed was never signed. The same is fake and forged. A bare comparison of the signatures on the Loan Application No. 9990045712 and on the proposed Sell Deed on 30.11.2007, makes it clear that the same is fake. Who created this false proposed Sell Deed and who are the officers who are involved in such creation of fake documents for the purpose of showing performance and obtain promotion. Who are the witnesses on the said proposed Sell Deed. The signatures on the said proposed Sale Deed is fake and forged and the Seller Atul Bansal did not sign it, as the , as no terms were agreed with him till 02.12.2007, so the question of any proposed sale Deed on 30.11.2007, does not arise at all.

· As per disbursement Memo of ICICI Bank the amount was disbursed to one Mr. Atul Bansal on 30.11.2007, WHEREAS Mr. Atul Bansal from whom the House was purchased on 02.12.2007, when the Agreement to Sell was executed with him. Before that date, no terms were finalised with him, then how the bank disbursed the amount in favour of Atul Bansal on 30.11.2007, as per the disbursement Memo of the Bank. The entire records of the bank are manipulated.

· The statement of account of the bank is manipulated, copy of which was provided by Mr. Aman Mehta on 20.06.2012, shows that DD No. 116867 of Rs. 888173 DD No. 116868 of Rs. 4165534 was issued on 03.12.2007, whereas the said DD Nos i.e. 116867 and 116868 was actually prepared on 01.101.2008 by the bank. How the DD Nos. 116867 and 116868 were used in the statement of account on 03.12.2007, whereas the same was prepared on 01.01.2008. This shows the highest degree of manipulation of accounts in ICICI Bank.

· As per the certified copies provided on 20.06.2012 by the Mr. Aman Mehta of ICICI Bank, the bank is in possession of “Blank Receipts” purported to be issued by the applicants. The applicants never gave any blank receipt to the bank. The bank cannot illegally retain any blank document and put it to illegal use. The bank is duty bound to return all blank documents, illegally obtained and retained with it. The bank is further required to explain, how, when and where the said blank receipts reached to bank and on what date. The bank is not returning the said receipts despite demand of the applicant.

· ILLEGAL MEMORANDUM / DECLARATION AT PAGE NO. 47 IN RESPECT OF ILLETERATE / BLIND PERSON. The applicants are highly educated persons. The officers of the ICICI Bank knows it. The bank is duty bound to explain, how, where and when the signatures of the applicants were affixed on the said certificate. Who is RAKESH. He never met the applicants. How the said signatures were notarised. Who is the notary. The entire thing is dubious.

· Created false declaration dated 30.08.2007 on Rs. 10 stamp paper. This false declaration clearly mention the Loan Agreement executed on dated 30.11.2007 and also states the property details. How a declaration on 30.08.2007, mention an agreement executed on 30.11.2007 and property whose agreement on sale was executed on 02.12.2007. The entire documentation is manipulated.

That the applicants got worried about the safety of his property and documents in the hands of the officials of the ICICI Bank. The applicants sent various protest letters to the officials of ICICI Bank and to the Board of Directors of ICICI Bank. The said protest letters date wise are annexed herewith.

In the said representations, the following prayers were made to all the directors, including Mrs. Chanda Kochhar and Mr. K.V. Kamath:

a) Immediately return all the blank documents and receipts in the illegal possession of the ICICI Bank and / or not to misuse them or put them to illegal use.

b) The applicants were always ready and are still ready to regularize the LOAN ACCOUNT NO. LBDEL00001532513 in respect of our LOAN APPLICATION NO. 9990045712

c) Take necessary action against the officers of ICICI Bank, who have forged and manipulated the records, to obtain promotions.

That Mrs. Chanda Kochhar, being the Chief Executive Officer of the ICICI Bank is responsible for day to day affairs of the Bank, i.e a corporate body. The applicants sent various representations and protests to her with detailed facts and documentary evidence regarding the fraud and forgery done by the officials of the bank, working under her supervision. But she did not take any action. The other directors also despite knowledge of all these facts are not taking any action.

That it is relevant to point out as per RBI guidelines, “rescheduling of Loan” involves only change of period of loan, but it does not involve change of Loan Account Number or creation of fake Loan Application Number in the electronic records of the bank.

One Rohit Tikku, Country Head of ICICI Bank visited the applicants in December 2011 and assured the applicants to return those blank documents, restore the Original Loan Account Number LBDEL00001532513, AND take action against the concerned officials of the Bank who have manipulated the electronic records.

That the applicant believed Rohit Tikku, and on the assurances of Mr. Rohit Tikku, as a bonafide gesture, paid the EMIs, and made an “FD” as well, BUT the grievances of the applicants are not redressed rather they are being harassed and tortured not to expose the said manipulation and creation of fake documents in electronic records. The copies of the payments made on regular basis as well as the copy of the “FD” is enclosed herewith which shows the BONAFIDE of the applicant.

That the officials of the ICICI Bank played an active role in defrauding the applicants. These officials of ICICI Bank contacted the applicants at various times, made false promises and compelled him to make payment in the illegally created loan account no LBDEL00001747368. Apart from this the bank officials have illegally debited Rs.10,00,000/- (rupees ten lacs) from the saving bank account of the applicants. The copy of the said payment receipts and the snap-shot of the said debit are annexed herewith

That the officials of ICICI Bank in connivance of each other, after receiving the representations of the applicants regarding the criminal acts done by them, got extended illegal threats of illegal action and under those threats made by Mr. Vijay Zagade, a senior official of the ICICI Bank, vide his email dated 12/06/2012 further compelled the applicants to make payment of the EMIs in the illegally created loan account no. LBDEL00001747368, under threat to grab the property of the applicants, and such act is still continuing as the applicants is still being threatened to make the payment in the illegally created fake loan account no. LBDEL00001747368, failing which his property would be illegally grabbed.

Each and every contention as stated above is supported by impeccable documentary evidence.

This is an HUMBLE APPEAL to you all above named to take the comments of the senior officials of ICICI BANK including MR. ROHIT TIKKU, MR. HARMANDEEP WALIA , MR. AMAN MEHTA, besides Mrs. Chanda Kochhar and Mr. K V Kammath, on the above facts, so that public at large can know what really happens in ICICI BANK and how the electronic records are manipulated in ICICI BANK.

It is not just one incidence, but it is a matter of public money, which is in danger and the illegal practices are going on unchecked in ICICI BANK.

The matter is very serious. Proper action needs to be taken against the concerned officials of the bank, who are manipulating and creating the fake records and in order to cover up their own wrong doings, are adopting illegal means.

We hereby seek an appointment with you, to apprise you fully on the all issues in the above matter, supported by documentary evidence.

Rajendra Kumar Goel

Senior Citizen

B-254 – I, Florence Marvel,

Sushant Lok-III, Sector 57,

Gurgaon- 122002.

Encl:

1. Original Loan application Number 999030045712

2. Original Loan Agreement Number / File Number 999030045712

3. Fake and forged Agreement to Sell dated 30.11.2007

4. Fake Declaration dated 30.08.2007

5. Statement of Account showing DD Nos 116867 and 116868 on 03.12.2007, whereas the DD was actually issued on 01.01.2008

6. Blank Receipts

7. Emails of Kirandeep Sharma and Rohit Rathi

8. Copies of regular payment receipts and copy of FD

9. Copy of all representations sent to all directors of ICICI Bank

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