Procrastination is the deferment or avoidance of an action or task to a later time. For the person procrastinating this may result in stress, a sense of guilt, the loss of productivity, the creation of crisis, and the chagrin of others for not fulfilling one’s responsibilities or commitments. While it is normal for individuals to procrastinate to some degree, it becomes a problem when it impedes normal functioning. Chronic procrastination may be a sign of an underlying psychological or physiological disorder.

The genaral feeling with all the banks’ authority, even after prolonged trnsactions by way of holding accounts, show dismay, dismal and dissimilar mark and remark, when it comes to loan request as required in prudence. It is almost begged out in alms.

One such my experience with ICICI is explained as below. The evil side of every market is exposed.
What is the reply for the following lines to which I can produce evidences within ICICI records
History for the geographical wonder of the Taj Mahal, took thousands of labour & 2 decades of time.
To build my first floor it took 19-Feb-2007 to 23-May-2007 to get financial advance, (as on23-05-2007). Pl. note: That all my necessary documents already with the bank for over 5 years.

· 25 quantified Hum Hain Nah people give repeated assurances and failing on it ever
· 10 Customer Service Officers take details of our ID, and never solve or convincible
· 6 Customer Service Managers whose role is something intended to deceive and deliberate
· 3 months to sustain initial disbursement of Home Loans Made Easy when
· 13 days Sanction took from application date and
· 31 days customer to get the Sanction Letter
· 48 hours to Sanction as advertised by a bank is just for deployment.
· 158 minutes of STD calls from Mumbai to me, sometimes from me
· 50 hours of calls made to call centres by me, and about
· 600 times of local calls from me to Pancha Pandavargal in Masood, Manoj, Ranjit, Govind and Viswanath
· 4 dozens of e-mailed correspondences, either side
· 95 days of torture & turmoil to the customer (+3 days to get credited & holiday in between = 100 days)
· 1 dozen of refuted replies from depressive a renowned bank’s-Chennai staffs
· 2 Home Loan Documents twice signed in duplicate
· 2 indemnity bonds of altered dates
· 2 sanction letters? Second one EMI amount changed
· 2 dozen times of meeting with agency people for all coordination
· 8 SR’s booked and none of them closed yet to my knowledge
· 5 cheques were replaced for wrong filling by your staffs
· 8 visits by me to the local bank offices to get
· 1 cheque of
· 1, 50, 000/- INR

A monumental effort is it not. The bank can proudly display this in their advertisements.
Of course, if you put value to all the above it would equal out the product and net result. Outdone

Dear readers
This bank holds good and apparently serves better to you to have 4 a/cs thus best describes you are not less than a crorepathy / millionaire.
When persons like me find to hold and operate one a/c, it is indeed, where the bank has failed to consider our unfortunate financial constraints.
Those who are lucky and felt the satisfaction as one in a million, certainly not a testimony to provide a purpose, role, or function of the bank for the people of this country.
The bank has so many negative remarks from length and breadth this nation and we must understand the heat with which the people of our country are burnt.

but when icici introduced some limitations on withdrawal through atm without intimating to customers and i became victim. I HAD TO PAY RS. 500 as penalty.. on the very next day when i got monthly statement. i closed my account….

may be this can help in finding solace that all banks are like that or may be in other words no bank is 100% free of unhappy customers.

if you can do it for just one post, please go and change your HTML templete on blogger to show it as 34 complaints, rather than 34 comments… would be a tad more relevant

Coming to public sector banks, I have always been extremely disappointed by their attitudes. After being abused by a Corporation bank official, I wrote to the MD in anger and only then my problem was heard, not even resolved. The moment my problem was finally resolved, I shut down the account. My SBH internet banking account has not been activated for more than 7 months now and I have got tired of visiting the branch every week. It seems there is no one who knows how to handle the query and the Manager gave me a number whom to contact to deal with this issue but no one ever lifts the phone there. I don’t buy the idea of PSBs being better merely because they don’t have frills but do the work. The attitude is highly deplorable and my experience has made me extremely wary of approaching them.

http://www.agencyfaqs.com/news/stories/2006/10/12/16167.html

Unny

The phone call always costs, your always on hold for about 20 minutes, even at 2 in the morning.

The people never really answer your questions and often just ‘fob’ you off with some lies to get you to go away, especially on technical calls.

Customer services might as well be called ‘waste of time’ or ‘liars on a phone’

I run a used vauxhall car part and i try to give my customers the best customer support since all calls come to me and i deal with them on a personal one to one basis, and calls are only local rate.

I know my used vauxhall car part business will be small compared to a bank, but the customer service team could be more interested in my problem.

And as you said you might as well walk into the branch and wait in line. at least then you will speak to someone who can help.

Jonathan (used vauxhall car part manager)