Prepare banker cheque or demand draft in favour of ICiCI bank for repayment of loan 

1. Looks like the Bank is intentionally dilly dallying this issue to earn interest in the meantime.

2. If there is no valid reason for this delay then this action amounts to deficiency of service and for this you cans eek compensation and damages by filing case before the consumer forum.

File complaint against bank before consumer forum and seek compensation for loss suffered by you 

You issue a legal notice through your advocate to branch of the bank giving details of your correspondence with the bank and instruct Bank to comply with the demand to close your account immediately failing which you can mention that the bank will be dragged to consumer forum for deficiency in service and suitable compensation besides the relief sought.

You will not get any proper response from the bank for your email correspondences neither they will bother about any number of reminders sent, this is the pattern of their work culture.

Hence you may resort to legal action by first issuing a legal notice followed by a complaint with consumer distress redressal commission against the bank which will be the remedy.

1. Immediate Actions:

   • 
     Contact ICICI Bank's NRI Customer Service: Reach out to their dedicated NRI helpline for assistance with loan repayment issues.
   • 
     Utilize Online Payment Options: Explore ICICI Bank's online platforms for loan repayment, such as Internet Banking or the 'Click to Pay' service.

2. Document Communication:

   • 
     Maintain Records: Keep detailed records of all communications with the bank, including emails and responses, to support your case.

3. Legal Rights and Compensation:

   • 
     File a Complaint: If the issue remains unresolved, file a formal complaint through ICICI Bank's grievance redressal mechanism.
   • 
     Seek Compensation: If the bank's negligence is proven, you may be entitled to compensation for financial losses incurred due to their inaction.

4. Escalation:

   • 
     Approach the Banking Ombudsman: If the bank fails to resolve your complaint satisfactorily, escalate the matter to the Banking Ombudsman.

For detailed, personalized advice, consider a phone consultancy.
Hope you find the information helpful. You are free to contact me for further discussion. If you could spare two minutes of your time to write a review, it would be really grateful and very happy to read it.

Thank you.
Shubham Goyal

Dear Client,

In the Present Scenario, being an NRI, and facing issues with respect to loan payment with ICICI Bank, you have made efforts to repay the loan through the NRILINK platform. However, the same does not work in your location, and as a result you mailed cheques that were rejected due to alleged signature mismatches. But the bank has failed to provide a resolution, resulting in a financial loss of ₹1 lakh per month for the past four months. This clearly constitutes a deficiency in service under the Consumer Protection Act, 2019. Additionally, under the Banking Ombudsman Scheme, 2006, you are entitled to complain on the matter for non-resolution within certain days of your complaint. However, to resolve this, you may complain on the issue to ICICI Bank’s NRI Grievance Redressal Cell, lodge a formal complaint with the Banking Ombudsman, and if required, may also file a complaint with the Consumer Dispute Redressal Forum, seeking compensation for the loss caused. Further, it is suggested that you maintain all the relevant documents and obtain written acknowledgment of your complaint.

Hope you find this answer beneficial for resolving the dispute.

- This is totally deficiency in services on behalf of the bank, as due to the banks fault services the loan amount could not pay off by you. 

- You can lodge a complaint before the same bank and its head office even via email.

- Further , you can send a legal notice as well for claiming damages /compensation for the loss. 

I have contacts in ICICI bank, can communicate on your behalf. 

You can file consumer complaint for deficiency of service and seek compensation from them