I won the case!

Sorry that I was not posting for a long time.  The reason is this:  ICICI Bank was relying more on my posts than on their lawyers to get their updates!  Well anyway the status is now that I have won the case.  More important than the money is the fact that the judiciary has recognized that the actions of the bank were very inappropriate.  The judgement has a bigger ramification in the sense that anyone across the country can quote this judgement in their fight against ICICI.  The order can be seen here:

http://164.100.72.12/ncdrcrep/judgement/1956410111815593260CC%20434%20of%202009.htm

Though I did not have a credit card in the first place, I fought the case on the basis that I have cleared the dues.  I did not need a lawyer.  ICICI Bank's lawyers are just ripping ICICI off.  They never appeared in court and the one and half documents they filed was done through an office boy.  Imagine that!  No wonder ICICI does not know what is happening!  The sentence to look out for in the order is this:

"A banking organization  like opposite party   cannot  wash off   its hand by simply saying that  the mistake crept in  only due to system error  that too after three years of the closing the credit card account and shiphone the money of the complainant  even without informing to him from his saving bank account. Hence this forum come to the conclusion  that the act of the opposite parties  in  debiting the sum of Rs. 47.484.51/- from the SB account of the complainant , three years subsequent to the closure of the credit card account surely amount to negligence  and  deficiency  in service  on the part of the opposite parties."

(Please ignore the english)  It means that whenever and wherever the bank wants to debit money from savings accounts, it has to first inform the account holder.  This will automatically deter the bank from debiting the account because then the account holder will simply withdraw the money.  Please spread this message to as many of your friends as possible.

BTW I have got the money and spent it too!