Should we entertain calls offering Bank Loan?

Most of us keep getting calls from various banks for different kind of loans be it “car, house or personal loan”. When we ask about the formalities for getting the loan, they tell  PAN card, address proof, photos and letter from your current organization. But when we apply for loan, we realize that whatever was communicated to us through phone and what we are asked to produce are different things all together. Here is a small story about a leading pvt bank in India

I applied for a loan and within minutes received confirmation that loan has been approved. I was very happy, reason being my association with the bank is 6yrs old. Till date I never had any issues with the bank. But the real shock was about to come for me. Next day bank representative came to me for collecting the documents and get my signature in the loan form.  I was about to sign the form when he told me that rental agreement can’t be accepted and some other proof need to be submitted. 

I offered him Voter ID cars, Aadhar card and he said no as these are not from Bangalore so can’t accept it but they contained my permanent address. I was like “am I dealing with a bunch of idiots?” I can change my rental address anytime but not permanent address. I tried to justify my stand but he was not willing to listen to me. He didn’t even try to call his superiors back in bank to find a way out. Finally I showed him the way out.

His attitude was “if want to take the loan else move off” but when we go the branch of this said bank you are floored by their humbleness and supportive nature. Bank representative was not able to satisfy my queries about the loan term and conditions. His only motive was get the signature and keep moving.

My friend also faced the similar problem with the same bank, she applied for a loan for 3 yrs but she finished the loan amount in an year’s time, when she requested the bank to give her an NOC. She had a tough time with the bank to procure it. She was so frustrated with the bank that she closed the account with the bank and has decided not to have relation with the bank.

Few questions to the banks offering loan

•   If you have so many issues with rented residents then why do you target them? Provide loans only to permanent residents 
•  Aadhar card is accepted throughout India, which even has our finger print and permanent address, these banks are operating in India but they are not willing to abide Indian’s UIN 
•  Banks are not providing loans free of cost, they charge interest on it, that’s the way how they survive, then why this who cares attitude? 
•  Customers have number of option to take loan but do banks have so many customers and funds with them that they can afford to send off any customer
• Loans are a win- win situation for both bank and individuals then why this attitude?

Can suicides give you justice?

I was reading article in “Times of India” Bangalore edition other day, when came across a story which left me spell bound. Didn’t knew how to react to it? Only 2 things were in my mind 1. Is human life so cheap? 2. Do we need to consume poison to make ourselves heard? Here the story 

A family of 4 comprising of a couple and their kids enter police commissioner’s office and fainted at the reception one after another, foam was coming out their mouth. It didn’t take much time for the police personnel deployed there to understand that it was a case of poisoning. They rushed to action called for an ambulance, blocked the road to shift them to the hospital at the earliest.  Timely help saved their life.

Reason for their extreme step lead to a shocking revelation. The lady of the family was cheated of property worth Rs 20 crore by her brother and a high ranking government officer. She filed a case for justice in court but her brother convinced her to withdraw the case, promising her to pay the required compensation. Poor emotional fool with drew the case and was Rs 5 lakhs. Post this injustice she ran from post to pillar in different departments of police and court but nobody came to her rescue. 

She met high ranking police officer’s couple of time but apart from assurances didn’t get anything. With no  one to support and her dying faith in judicial system, she decided to end her life with family. After consuming poison, she went to police commissioner office to make an attempt for justice last time. 

Post the story police and judicial system have flung into action and are investigating the case afresh to seek justice. Just to make herself heard and seek justice this lady had to go to the extent of taking her life. This came to our notice, there could be many which go unnoticed. 

Few questions in mind

Had that family died, the real cause for suicide would have never been revealed?

To what extend a person should go to seek justice and be heard?

Will she get justice now?
When timely action can avert such situations, then why to encourage such incidents?
Will judiciary take action against the culprits for abatement to suicide?

Conversation with a school friend

School days were the most memorable days of my life. Still miss them a lot. All my best buddies are from school. Even though we are miles apart but we don’t have any inhibitions while connecting with each other at any given point of time.  We are ready to lend our support to each other at any time. 

Facebook has played a vital role is getting us stay connected with each, most of my friends are on FB. Today Sharique pinged on FB after a long time. Things started with normal conversation but then it progressed to our school days and the mischief's we used to do in school. A chat which started with just a “hi” went on to our professional challenges then to our personal life’s. How this transition happened is still a mystery for us? Even in school also we never spoke so much than we did today.

We chatted for close to an hour on FB then I requested for his contact number to give him a call. We signed off our chat on FB as longtime buddies willing to get connected soon depending upon our availability. I called him a little late and we spoke for 30 mins, it was better than the chat conversation. Constrains of chat were overcome through call and we spoke to our heart, which took us back to our school days one more time. We covered topics which we usually discuss with very close buddies or whom we know very well. 

Initially conversation was full of courtesy but once we got started courtesy took back seat and we got on to our school ways where we hardly called people by their names and called them by nick names. Both of us could identify the change in our personalities that have taken place over a period of time. It was for our betterment only. 

I didn't feel am talking to a stranger to whom I have not spoken since I left school, occasionally we used to ping each other on FB.  We can get connected with our school friends at given point of time, reason could be the innocence of the age and purity of soul.  

Thanks Sharique for making my day