Can ICICI Cards Division Unilaterally Deduct Money from Savings Account ?

ICICI Cards Deducting BalanceA reader of our Advisory Service reports his plight where the Card Issuing Bank has deducted money from his savings account to recover his dues on credit card and wants to know if the Bank can do it ? He Writes as follows,

I had a credit card # 4477478289029005 against which some payments were due close to 6500 I did not get any notification because I had left my then current address for higher studies now by 2011 the total due because of late payment become around 12000 later when I get a new job in 2011 I opened an account with ICICI so all my details (mobile no email address) everything was available with ICICI still without any intimation they deducted money Rs 12000 from

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