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Emi deduction by icici bank without any loan disbursement

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ICICI bank corrupted systems and securities which I have faced.
l have applied for balance transfer of PL few days ago but due to not matching terms and conditions for balance transfer told on DSA call I have cancelled all the transactions.
But without signing any agreement and without confirmation call bank approved loan and without balance transfer to concern account bank or account ICICI demands 1st Emi from me on 2nd April 2014.

These are the Systems and security of ICICI Bank.

Now my question is who have sign agreement where loan amount is disbursed and who have issue to whom cheque.
If nothing is done then why Emi has deducted?

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