I have applied for a loan in the bank for Solar System in D.G. Pune Branch.. After completion of formalities, I received the sanction letter from bank. On completion of the installation,

I have notified on phone that the installation is complete. I have been informed that Bank person will make the site visit.

I have visited bank on Saturday Sep 2, 2006 for follow-up. I have been suggested to take the bank person to site and drop him back. I surprised with this demand

Subsequently, the deputed person has demanded that he will travel in Car only & asked me to get the car or hire an auto rickshaw for him. I brought it to his notice that this will be very costly affair for me and I will have to spend good amount of money for this. Hence I requested him to travel on my motorcycle. But he denied. He added that you should do this because bank is giving you the loan.I again re-requested if he can come for one side on motorcycle and while returning I can drop him back in Car. But again he denied.

Being under pressure of getting the loan amount at earliest, I have traveled to my home on motorcycle. I drove the car to bank. Then the bank person sat in car and we started to site i.e. my home.After his visit, I have to again drop him back to bank and travel back to home.

While driving the person has made very insulting comments towards me. He was exhibiting as if he is doing an extra-ordinary favor to me by accompanying with me.

I am listing few of  his comments for your information -

We don’t entertain small amount of loans. The bank has lot of work to be done for loans. We don’t entertain small loans irrespective of party is good or bad. Why you have not gone to other banks or other branches? Who need now the loans of Rs. 30000-35000? When both husband & wife are working, the amount of income is about Rs.50000+ per month. So why you need loan? If you have taken Housing loan from HDFC, why don’t you insist HDFC for this loan?

 When I have tried to convince him that there are POWER shortages in the country hence govt. is encouraging to use the non-conventional energy sources, following are his comments –

Who says there is Power shortage? It is all political gimmicks. There is lot of Power in M.P. But since they have BJP govt. they are not sharing. Now there is no loadshading (Power cuts) in the Pune. Now Mr. Sushilkumar Shinde is Energy minister, there will not be Power problem for Maharashtra.

 Sir, I have really got depressed with this person’s comments and surprised with his attitude. This has generated some questions to me –

1)     Is it bank customer’s responsibility to make the luxurious arrangement for bank employee for site visits?
2)     If it is so, why it was not informed to me earlier? I would have saved one trip.
3)     Why he neglects that for using vehicles, it need petrol. 
      This costs to individual as well as it is a    scarce resource in the world?
4)    Being a current bank customer where the facility of loan is available, why I should approach other bank.
5)     Is he not aware that HDFC is not nominated by MEDHA for solar system loans?
6)     How a bank person can talk about my financial condition? How he can conclude about my need of loan? This doesn’t’t exhibit the professionalism.
7)     When whole world is thinking of using the non-conventional natural energy resources, why this person is considering it to be foolish?
8)     The Government of India is trying to encourage the non-conventional natural energy resources by making huge publicity. They have deputed to Canara Bank for the loans for the purpose. Why bank person is trying to discourage me?
Is it really very difficult to respect others? I hope you can understand how much patience I had kept.

The learned person like bank employee do not have knowledge of national problems?

The learned people like bank employee do not have manners of behaving with the customers? 

It is very difficult to tolerate the person who is abusing you on face. Because I was on the receiving side at that point of time; I have to keep my mouth shut.

I expect that you will communicate my feelings to the person and advise him to give the proper treatment to other bank customers. Behave with humanity with the clients. People approaching to bank for loans are not beggars. Creditors pay the interest to bank for the loans.

The most important is not all the employees in the branch  are having this behavior. The `Advance Officer’ Mr. Hardikar is kind to the customers. When he observed that I am shocked with the deputed person’s demands, he came to me & said that he will make the visit next week. But since I was under pressure of getting the loan at earliest & generally in weekdays, ther is nobody at home in the afternoon, I have to take the gentle(?)man to my home.

Also other people to whom generally I interact for locker operations also don’t show any arrogance.

How long have you been with this Bank?

Less than 5 years