28th February 08, I applied for a personal loan to ICICI bank. I am holding an account with ICICI since three years. For them I was ready customer for loan without any efforts. One marketing executive (Varun) collected all the required documents from me. And he gave me assurance that I will receive loan amount in 8 days. I called after 10 days, he assured me that I will get loan amount within 2 days. After 2 days I called up he did not answer my phone call. Next day again I called up he answered my phone call saying that he was busy with some training, and he said I will get loan amount tomorrow in the evening. Again I did follow ups and somebody else answered to my phone and said he met with an accident so did not come to office.
I was upset because it was almost 25 days. I did not get any confirmation from the bank.
Very next day I visited ICICI bank. I complained to Bank Manager but he said I do not handle loan issues, go and talk to Omkar. It was the height for my frustration but I made myself relaxed. And I talked to Omkar he said ‘Mam your loan has been cancelled due to verification reason.’ I wanted to blast at them but nobody wanted to listen to me. At least they would have informed me about the status, might I would have done some other arrangements.
Then I applied to HSBC bank. And within 3 days I received SMS saying that bank has approved my loan amount.
I felt bad because I am holding account over there and I got loan from some other bank.
Though the bank is good but one experience changed my perceptions of ICICI bank. I felt very bad for ICICI bank. Though the business is very strong but we need smart people to handle it.
And for my surprise when I went to get some document signed from ICICI bank, Varun was there and he did not recognize me.
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