i was trying to reach these guys since march2008 onwards and i donot get any answers to my emails and calls .i spoke to them once within this 1 year span and a lady said that they would defnitely look into this and will not charge any extra fees like check bounce charges and interest rates and also gave me collections department number as i was telling them that i will clear the complete amount as no matter what i am paying it's going for the interest and the amount is still pending . i have to make a payment of 15000 but the interest n other charges everymonth are 800 .Its a mess to bank with this bank ICICI. no one responds . this lady i was talking about gave Mr srinivas number who is incharge/manager of the collections dept n no matter what time i call in either no one picks the call or its just on hold no voice message that i can leave tooo but one day someone picked and said that guys left and even before i could say something they hung up on me and when i called back immediately no one responded.