Unresolved EMI Payment Issue – Loan No. 110300007875

J

jogendrasingh01

New member
Bank Name
LIC HOUSING FINANCE LTD
Loss Amount
11331
Ratings
5.00 star(s)
Opposite Party Address
LICHFL DHHOLPUR HOUSE AGRA
I made payment of my EMI of loan no. 110300007875 on 13th May 2025 from my ICICI Bank account through Billdesk. However, LICHFL declined the payment and issued a payment failure receipt (attached), despite the fact that the amount of ₹11,331 was debited from my account (proof attached via bank statement).


Upon discussion with ICICI Bank, I was informed that the payment was successfully settled with the biller on 15th May 2025, which is also confirmed via an official email from ICICI Bank (screenshot attached).


Despite multiple follow-ups:


  • I emailed CRO Mr. Prashant Awasthi on 27th May, but received no response.
  • I mailed to Avinash Ranjan Sir on 9th June 2025, but again, there has been no response.
  • I have also tried calling both officials multiple times but received no callbacks or answers.
  • I even called Mr. G. K. Singh, but the call was not picked either.

This is causing undue mental stress and affects my creditworthiness even when I have paid on time. I now request a formal update on the status of this EMI payment immediately.


If no satisfactory action is taken, I will be forced to escalate this matter to the RBI Ombudsman with all attached evidence, including:


  • ICICI bank transaction proof
  • ICICI’s confirmation of settlement with LICHFL
  • LIC’s payment failure receipt
  • Screenshots of emails and communication logs

Please treat this issue as urgent and respond at the earliest.


Regards,
Jogendra Singh
Email: jogendrasingh01@gmail.com
Loan No.: 110300007875
Date of Payment: 13-May-2025
Amount: ₹11,331
 

Attachments

  • mail to avinash ranjan and prashant awasthi on 09 June 2025.jpg
    mail to avinash ranjan and prashant awasthi on 09 June 2025.jpg
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  • mail to prashant awasthi on 27 may 2025.jpg
    mail to prashant awasthi on 27 may 2025.jpg
    70.6 KB · Views: 1
  • RESPONSE from ICICI BANK ON 23 MAY 2025.jpg
    RESPONSE from ICICI BANK ON 23 MAY 2025.jpg
    44.4 KB · Views: 1
  • Account Statement ICICI BANK.pdf
    Account Statement ICICI BANK.pdf
    427.8 KB · Views: 0
  • RECEIPT-LM-15492678.pdf
    RECEIPT-LM-15492678.pdf
    11.8 KB · Views: 1
Dear Mr. Singh,

With reference to your e-mail, regarding the transaction dispute for amount of Rs. 11,331.00 dated May 13, 2025.

13/05/25 Online Shopping mall Txn BIL/ONL/001010618963/LIC HOUSIN/LICHOUSINGFINAN/SC DEBIT 11331.00

We acknowledge the receipt of Merchant mail. We are unable to initiate your request as Payment ID not mentioned in the merchant e-mail, which are necessarily require to raise a dispute.

Kindly co-ordinate with the merchant once again to share merchant with below details:

Date of transaction
Amount of transaction
Payment ID
We request you to send us a confirmation mail (which is dated beyond 7 days from the date of transaction) to assist you further



Note: Merchant should confirm : From e-mail ID should be merchant E-mail ID and To E-mail ID should be your e-mail ID, amount, transaction date and Payment ID for further assistance.

We confirm that the transaction is successful and settled to Merchant LIC HOUSING FINANCE LTD via Payment ID: 1010618963

Consumer Code: LICHOUSINGFINANCELIMITED23509875173 Bill Reference Information: 23509875173

In view of the above, we request you to contact your merchant now and share the transaction details with merchant.

If the merchant still confirms non receipt of funds, we request you to forward the merchant confirmation e-mail to enable us to assist you further: Please ensure to send complete chain of interaction with merchant which contains Payment ID/Transaction/Biller reference number/Consumer number, Date and amount etc.

Sincerely,

Raju Nemala

Customer Service Associate

Team ICICI Bank

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This is the reply sent by ICICI Bank on mail.
 
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